Citystatevings Bank (PHS:CSB) Debt-to-Asset : 0.01 (As of Mar. 2026)


PHS:CSB Citystate Savings Bank Inc PHS:CSB
29 GF Score
Price ₱14.50
GF Value ₱6.84
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Citystatevings Bank Debt-to-Asset?

Citystatevings Bank PHS:CSB 29 Debt-to-Asset is 0.01 as of Mar. 2026. GuruFocus rates PHS:CSB with a GF Score™ of 29/100 and a GF Value™ of ₱6.84 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Citystatevings Bank's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was ₱0.0 Mil. Citystatevings Bank's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was ₱92.7 Mil. Citystatevings Bank's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Mar. 2026 was ₱8,102.7 Mil. Citystatevings Bank's debt to asset for the quarter that ended in Mar. 2026 was 0.01.

Citystatevings Bank  (PHS:CSB) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Citystatevings Bank Debt-to-Asset Related Terms

Citystatevings Bank Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Citystatevings Bank's Debt-to-Asset 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 Debt-to-Asset Chart

Citystatevings Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.01 0.01 0.02 0.02 0.01

Citystatevings Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Debt-to-Asset 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 0.02 0.02 0.01 0.01 0.01

PHS:CSB vs PNC, USB: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Citystatevings Bank's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Citystatevings Bank's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Citystatevings Bank's Debt-to-Asset falls into.


PHS:CSB
29GF Score
Citystate Savings Bank Inc PHS:CSB
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citystatevings Bank Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Citystatevings Bank's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 87.12) / 7417.807
=0.01

Citystatevings Bank's Debt-to-Asset for the quarter that ended in Mar. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 92.691) / 8102.73
=0.01

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.01 mean?
Citystatevings Bank (PHS:CSB) has a Debt-to-Asset of 0.01 as of Mar. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Citystatevings Bank and its competitors.
Is Citystatevings Bank's Debt-to-Asset too high?
Citystatevings Bank's current Debt-to-Asset is 0.01. Overall, Citystatevings Bank has a GF Score™ of 29/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citystatevings Bank's Debt-to-Asset compare to PNC and USB?
Citystatevings Bank's Debt-to-Asset of 0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Citystatevings Bank and its competitors. Citystatevings Bank's current Debt-to-Asset is 0.01. 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 Debt-to-Asset is 0.01. Citystatevings Bank's overall GF Score™ is 29/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Debt-to-Asset is 0.01 as of Mar. 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:

  • Debt-to-Asset: 0.01
  • GF Value™: ₱6.84 vs. price of ₱14.50 (112% above fair value)
  • GF Score™: 29/100 with 3 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.
29GF Score

Get the complete analysis for PHS:CSB

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱14.50
Price
₱6.84
GF Value