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Citystatevings Bank Debt-to-Revenue Historical Data
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The historical data trend for Citystatevings Bank's Debt-to-Revenue 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-Revenue, along with its competitors' market caps and Debt-to-Revenue 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-Revenue vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's Debt-to-Revenue distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's Debt-to-Revenue 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.
In the calculation of annual Debt-to-Revenue, the Revenue of the last fiscal year is used. In calculating the annualized quarterly data,
the Revenue data used here is four times the quarterly (Mar. 2026) Revenue data.
Citystatevings Bank (PHS:CSB) has a Debt-to-Revenue of 0.21 as of Mar. 2026.
Is Citystatevings Bank's Debt-to-Revenue too high?
Citystatevings Bank's current Debt-to-Revenue is 0.21. Overall, Citystatevings Bank has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citystatevings Bank's Debt-to-Revenue compare to PNC and USB?
Citystatevings Bank's Debt-to-Revenue of 0.21 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-Revenue for a Banks company?
A good Debt-to-Revenue depends on the Banks industry context. However, Debt-to-Revenue 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-Revenue mean?
A high Debt-to-Revenue can signal that a stock is expensive relative to its fundamentals. Citystatevings Bank's current Debt-to-Revenue is 0.21. 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 ₱6.86, compared to a current price of ₱13.96 — trading 103.5% above its estimated fair value. The current Debt-to-Revenue is 0.21. Citystatevings Bank's overall GF Score™ is 38/100 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-Revenue calculated?
Debt-to-Revenue is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Debt-to-Revenue is 0.21 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 ₱13.96 is trading 103.5% above its estimated GF Value™ of ₱6.86.
GuruFocus considers Citystatevings Bank to be Significantly Overvalued.
Key valuation signals for PHS:CSB:
Debt-to-Revenue: 0.21
GF Value™: ₱6.86 vs. price of ₱13.96 (103.5% above fair value)
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.
38GF Score
Get the complete analysis for PHS:CSB
Debt-to-Revenue is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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