Citystatevings Bank (PHS:CSB) EPS without NRI: ₱-0.99 (TTM As of Mar. 2026)


PHS:CSB Citystate Savings Bank Inc PHS:CSB
38 GF Score
Price ₱14.50
GF Value ₱6.82
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Citystatevings Bank EPS without NRI?

Citystatevings Bank PHS:CSB 38 EPS without NRI is ₱-0.99 as of Mar. 2026. GuruFocus rates PHS:CSB with a GF Score™ of 38/100 and a GF Value™ of ₱6.82 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,410 Banks companies, Citystatevings Bank ranks worse than 80.14% on this metric.

Citystatevings Bank's earnings per share without non-recurring items for the three months ended in Mar. 2026 was ₱0.03. Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was ₱-0.99.

During the past 12 months, Citystatevings Bank's average earnings per share (NRI) Growth Rate was -274.80% per year. During the past 3 years, the average earnings per share (NRI) Growth Rate was -5.20% per year. During the past 5 years, the average earnings per share (NRI) Growth Rate was -24.40% per year. During the past 10 years, the average earnings per share (NRI) Growth Rate was 17.00% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.

The historical rank and industry rank for Citystatevings Bank's EPS without NRI or its related term are showing as below:

PHS:CSB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -105.8   Med: -3.85   Max: 52.1
Current: -5.2

During the past 13 years, Citystatevings Bank's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 52.10% per year. The lowest was -105.80% per year. And the median was -3.85% per year.

PHS:CSB's 3-Year EPS without NRI Growth Rate is ranked worse than
80.14% of 1410 companies
in the Banks industry
Industry Median: 7.3 vs PHS:CSB: -5.20

Citystatevings Bank's EPS (Diluted) for the three months ended in Mar. 2026 was ₱0.02. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₱-0.13.

Citystatevings Bank's EPS (Basic) for the three months ended in Mar. 2026 was ₱0.02. Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was ₱-0.13.


Citystatevings Bank  (PHS:CSB) EPS without NRI Explanation

EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.


Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.


Citystatevings Bank EPS without NRI Related Terms


Citystatevings Bank EPS without NRI Historical Data

* Premium members only.

The historical data trend for Citystatevings Bank's EPS without NRI 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 EPS without NRI Chart

Citystatevings Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS without NRI
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.05 -0.26 -0.77 -0.16 -0.30

Citystatevings Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS without NRI 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 0.78 0.02 0.16 -1.19 0.03

PHS:CSB vs PNC, USB: EPS without NRI Comparison

For the Banks - Regional subindustry, Citystatevings Bank's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Banks Industry

For the Banks industry and Financial Services sector, Citystatevings Bank's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where Citystatevings Bank's PE Ratio without NRI falls into.


PHS:CSB
38GF Score
Citystate Savings Bank Inc PHS:CSB
EPS without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Citystatevings Bank EPS without NRI Calculation

Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.

EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱-0.99

* 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 EPS without NRI →
What does a EPS without NRI of ₱-0.99 mean?
Citystatevings Bank (PHS:CSB) has a EPS without NRI of ₱-0.99 as of Mar. 2026. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Citystatevings Bank and its competitors. According to the industry distribution chart, Citystatevings Bank ranks #1130 out of 1410 companies in the Banks industry, placing it in the top 80.1%.
Is Citystatevings Bank's EPS without NRI too high?
Citystatevings Bank's current EPS without NRI is ₱-0.99. Based on the distribution chart, Citystatevings Bank ranks #1130 out of 1410 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EPS without NRI compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #1130 out of 1410 companies for EPS without NRI. This places Citystatevings Bank in the lower half of its industry. The industry median EPS without NRI is 7.30. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Banks company?
The median EPS without NRI among Banks companies is 7.30, based on 1,410 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI 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 EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Citystatevings Bank and its competitors. For the Banks industry, the median EPS without NRI is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current EPS without NRI is ₱-0.99. 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 ₱6.82, compared to a current price of ₱14.50 — trading 112.6% above its estimated fair value. The current EPS without NRI is ₱-0.99. 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 EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current EPS without NRI is ₱-0.99 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 112.6% above its estimated GF Value™ of ₱6.82. GuruFocus considers Citystatevings Bank to be Significantly Overvalued.

Key valuation signals for PHS:CSB:

  • EPS without NRI: ₱-0.99
  • GF Value™: ₱6.82 vs. price of ₱14.50 (112.6% above fair value)
  • GF Score™: 38/100 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.
38GF Score

Get the complete analysis for PHS:CSB

EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱14.50
Price
₱6.82
GF Value