Citystatevings BankPHS:CSB 35 Cyclically Adjusted PS Ratio is 4.23 as of Jul. 11, 2026, which is 86% above its 10-year median of 2.27. GuruFocus rates PHS:CSB with a GF Score™ of 35/100 and a GF Value™ of ₱6.84 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,300 Banks companies, Citystatevings Bank ranks worse than 68.23% on this metric.
The historical rank and industry rank for Citystatevings Bank's Cyclically Adjusted PS Ratio or its related term are showing as below:
PHS:CSB'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1.44 Med: 2.27 Max: 4.92
Current: 4.23
During the past years, Citystatevings Bank's highest Cyclically Adjusted PS Ratio was 4.92. The lowest was 1.44. And the median was 2.27.
PHS:CSB's Cyclically Adjusted PS Ratio is ranked worse than 68.23% of 1300
companies
in the Banks industry
Industry Median: 3.31
vs PHS:CSB: 4.23
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
Citystatevings Bank's adjusted revenue per share data for the three months ended in Mar. 2026 was ₱0.665. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is ₱3.43 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Citystatevings Bank (PHS:CSB) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.
Citystatevings Bank Cyclically Adjusted PS Ratio Related Terms
Citystatevings Bank Cyclically Adjusted PS Ratio Historical Data
* Premium members only.
The historical data trend for Citystatevings Bank's Cyclically Adjusted PS Ratio 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 PS Ratio Chart
PHS:CSB vs PNC, USB: Cyclically Adjusted PS Ratio Comparison
For the Banks - Regional subindustry, Citystatevings Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's Cyclically Adjusted PS Ratio falls into.
Citystatevings Bank Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS 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 PS Ratio.
Citystatevings Bank's Cyclically Adjusted PS Ratio for today is calculated as
* 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.
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.
What does a Cyclically Adjusted PS Ratio of 4.23 mean?
Citystatevings Bank (PHS:CSB) has a Cyclically Adjusted PS Ratio of 4.23 as of Jul. 11, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Citystatevings Bank and its competitors. This is 86% above median its historical median of 2.27. Over the past decade, Citystatevings Bank's Cyclically Adjusted PS Ratio has ranged from 1.44 to 4.92. According to the industry distribution chart, Citystatevings Bank ranks #887 out of 1300 companies in the Banks industry, placing it in the top 68.2%.
Is Citystatevings Bank's Cyclically Adjusted PS Ratio too high?
Citystatevings Bank's current Cyclically Adjusted PS Ratio of 4.23 is 86% above median its 10-year median of 2.27. Over the past 10 years, this metric has ranged from a low of 1.44 to a high of 4.92. The Banks industry median Cyclically Adjusted PS Ratio is 3.31. Citystatevings Bank's value of 4.23 is 27.8% above this industry median. Based on the distribution chart, Citystatevings Bank ranks #887 out of 1300 companies in the Banks industry, which is below the industry midpoint. Overall, Citystatevings Bank has a GF Score™ of 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citystatevings Bank's Cyclically Adjusted PS Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #887 out of 1300 companies for Cyclically Adjusted PS Ratio. This places Citystatevings Bank in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.31. Citystatevings Bank's value of 4.23 is 27.8% above this benchmark. Historically, Citystatevings Bank's own Cyclically Adjusted PS Ratio has ranged from 1.44 to 4.92 over the past decade. While the company's 10-year median is 2.27 vs. the industry median of 3.31, Citystatevings Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.31, based on 1,300 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current Cyclically Adjusted PS Ratio of 4.23 is 27.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Citystatevings Bank and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current Cyclically Adjusted PS Ratio is 4.23, which is 86% above median its own 10-year median of 2.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citystatevings Bank stock overvalued right now?
Based on GuruFocus' analysis, Citystatevings Bank (PHS:CSB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱6.84, compared to a current price of ₱14.50 — trading 112% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 4.23, which is 86% above median its 10-year median of 2.27 and 27.8% above the Banks industry median of 3.31. Citystatevings Bank's overall GF Score™ is 35/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Cyclically Adjusted PS Ratio is 4.23 as of Jul. 11, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citystatevings Bank (PHS:CSB) Overvalued in 2026?
Based on GuruFocus' analysis, Citystatevings Bank stock appears to be overvalued.
The current stock price of ₱14.50 is trading 112% above its estimated GF Value™ of ₱6.84.
GuruFocus considers Citystatevings Bank to be Significantly Overvalued.
Key valuation signals for PHS:CSB:
Cyclically Adjusted PS Ratio: 4.23 (86% above median its 10-year median of 2.27)
GF Value™: ₱6.84 vs. price of ₱14.50 (112% above fair value)
Industry Position: 27.8% above the Banks median (#887 of 1300)
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.
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.
35GF Score
Get the complete analysis for PHS:CSB
Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:CSB has been successfully added to your 
