Citystatevings BankPHS:CSB 35 Debt-to-Equity is 0.07 as of Mar. 2026, which is 13% below its 10-year median of 0.08. 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 1,421 Banks companies, Citystatevings Bank ranks better than 92.05% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Citystatevings Bank's Debt-to-Equity or its related term are showing as below:
PHS:CSB'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 0.08 Max: 0.14
Current: 0.07
During the past 13 years, the highest Debt-to-Equity Ratio of Citystatevings Bank was 0.14. The lowest was 0.04. And the median was 0.08.
PHS:CSB's Debt-to-Equity is ranked better than 92.05% of 1421
companies
in the Banks industry
Industry Median: 0.56
vs PHS:CSB: 0.07
Citystatevings Bank (PHS:CSB) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Citystatevings Bank Debt-to-Equity Related Terms
Citystatevings Bank Debt-to-Equity Historical Data
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The historical data trend for Citystatevings Bank's Debt-to-Equity 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.
For the Banks - Regional subindustry, Citystatevings Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's Debt-to-Equity falls into.
* 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 (PHS:CSB) has a Debt-to-Equity of 0.07 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Citystatevings Bank and its competitors. This is 13% below median its historical median of 0.08. Over the past decade, Citystatevings Bank's Debt-to-Equity has ranged from 0.04 to 0.14. According to the industry distribution chart, Citystatevings Bank ranks #113 out of 1421 companies in the Banks industry, placing it in the top 8%.
Is Citystatevings Bank's Debt-to-Equity too high?
Citystatevings Bank's current Debt-to-Equity of 0.07 is 13% below median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.14. The Banks industry median Debt-to-Equity is 0.56. Citystatevings Bank's value of 0.07 is 87.5% below this industry median. Based on the distribution chart, Citystatevings Bank ranks #113 out of 1421 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #113 out of 1421 companies for Debt-to-Equity. This places Citystatevings Bank in the top 8% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Citystatevings Bank's value of 0.07 is 87.5% below this benchmark. Historically, Citystatevings Bank's own Debt-to-Equity has ranged from 0.04 to 0.14 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.56, Citystatevings Bank has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current Debt-to-Equity of 0.07 is 87.5% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Citystatevings Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current Debt-to-Equity is 0.07, which is 13% below median its own 10-year median of 0.08. 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-Equity is 0.07, which is 13% below median its 10-year median of 0.08 and 87.5% below the Banks industry median of 0.56. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Debt-to-Equity is 0.07 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-Equity: 0.07 (13% below median its 10-year median of 0.08)
GF Value™: ₱6.84 vs. price of ₱14.50 (112% above fair value)
Industry Position: 87.5% below the Banks median (#113 of 1421)
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
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