Citystatevings Bank (PHS:CSB) Cyclically Adjusted Price-to-FCF: (As of Aug. 30, 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PHS:CSB Citystate Savings Bank Inc PHS:CSB
40 GF Score
Price ₱13.12
GF Value ₱6.93
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Citystatevings Bank Cyclically Adjusted Price-to-FCF?

Shiller PE for Stocks: The True Measure of Stock Valuation


Citystatevings Bank  (PHS:CSB) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Citystatevings Bank Cyclically Adjusted Price-to-FCF Related Terms


Citystatevings Bank Cyclically Adjusted Price-to-FCF Historical Data

* Premium members only.

The historical data trend for Citystatevings Bank's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citystatevings Bank Cyclically Adjusted Price-to-FCF Chart

Citystatevings Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.48 12.49 0.00 0.00 0.00

Citystatevings Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 22.55 0.00 0.00 0.00 0.00

PHS:CSB vs PNC, USB: Cyclically Adjusted Price-to-FCF Comparison

For the Banks - Regional subindustry, Citystatevings Bank's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Citystatevings Bank Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Citystatevings Bank's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Citystatevings Bank's Cyclically Adjusted Price-to-FCF falls into.


PHS:CSB
40GF Score
Citystate Savings Bank Inc PHS:CSB
Cyclically Adjusted Price-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citystatevings Bank Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Citystatevings Bank's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Citystatevings Bank's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=-5.473/333.9520*333.9520
=-5.473

Current CPI (Jun. 2026) = 333.9520.

Citystatevings Bank Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 -11.477 241.428 -15.875
201612 -3.294 241.432 -4.556
201703 7.321 243.801 10.028
201706 -27.007 244.955 -36.819
201709 13.786 246.819 18.653
201712 6.179 246.524 8.370
201803 -3.119 249.554 -4.174
201806 -0.294 251.989 -0.390
201809 12.592 252.439 16.658
201812 -7.624 251.233 -10.134
201903 -0.724 254.202 -0.951
201906 -1.243 256.143 -1.621
201909 1.295 256.759 1.684
201912 -1.869 256.974 -2.429
202003 0.354 258.115 0.458
202006 -2.262 257.797 -2.930
202009 5.630 260.280 7.224
202012 2.265 260.474 2.904
202103 8.829 264.877 11.131
202106 -16.839 271.696 -20.697
202109 6.884 274.310 8.381
202112 -2.665 278.802 -3.192
202203 -0.350 287.504 -0.407
202206 1.046 296.311 1.179
202209 -1.335 296.808 -1.502
202212 -5.028 296.797 -5.657
202303 -0.702 301.836 -0.777
202306 0.279 305.109 0.305
202309 0.801 307.789 0.869
202312 -0.321 306.746 -0.349
202403 -1.786 312.332 -1.910
202406 4.858 314.175 5.164
202409 -3.025 315.301 -3.204
202412 1.778 315.605 1.881
202503 0.244 319.799 0.255
202506 1.397 322.561 1.446
202509 1.840 324.800 1.892
202512 -1.156 324.054 -1.191
202603 3.188 330.213 3.224
202606 -5.473 333.952 -5.473

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is Citystatevings Bank (PHS:CSB) Overvalued in 2026?

Based on GuruFocus' analysis, Citystatevings Bank stock appears to be overvalued. The current stock price of ₱13.12 is trading 89.3% above its estimated GF Value™ of ₱6.93. GuruFocus considers Citystatevings Bank to be Significantly Overvalued.

Key valuation signals for PHS:CSB:

  • Cyclically Adjusted Price-to-FCF:
  • GF Value™: ₱6.93 vs. price of ₱13.12 (89.3% above fair value)
  • GF Score™: 40/100 with 2 warning signs

No single metric tells the full story. See the PHS:CSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Citystatevings Bank Business Description

Address 709 Shaw Boulevard, 2nd Floor, Citystate Centre Building, Metro Manila, Pasig, PHL, 1600
Citystate Savings Bank Inc operations include commercial banking, retail banking and treasury services. Aside from the traditional products and services offered by a thrift bank, bank offers a wide range of banking services, such as but not limited to deposit products and services, cash management, onsite/offsite ATM facilities, corporate and retail banking, and treasury services. The Bank provides a venue for consumer/personal loans by accepting jewelry for instant cash loans, aside from its own lending activities of servicing commercial loans, real estate and development loans, auto loan financing, salary loans (APDS, accredited company loans, etc.) agricultural loans and a host of other financial services.
40GF Score

Get the complete analysis for PHS:CSB

Cyclically Adjusted Price-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱13.12
Price
₱6.93
GF Value