Citystatevings BankPHS:CSB 35 Equity-to-Asset is 0.16 as of Mar. 2026, which is 11% below its 10-year median of 0.18. 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 1,524 Banks companies, Citystatevings Bank ranks better than 89.17% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Citystatevings Bank's Total Stockholders Equity for the quarter that ended in Mar. 2026 was ₱1,321.8 Mil. Citystatevings Bank's Total Assets for the quarter that ended in Mar. 2026 was ₱8,102.7 Mil.
Therefore, Citystatevings Bank's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.16.
The historical rank and industry rank for Citystatevings Bank's Equity-to-Asset or its related term are showing as below:
PHS:CSB'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.11 Med: 0.18 Max: 0.23
Current: 0.16
During the past 13 years, the highest Equity to Asset Ratio of Citystatevings Bank was 0.23. The lowest was 0.11. And the median was 0.18.
PHS:CSB's Equity-to-Asset is ranked better than 89.17% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs PHS:CSB: 0.16
Citystatevings Bank (PHS:CSB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Citystatevings Bank Equity-to-Asset Related Terms
Citystatevings Bank Equity-to-Asset Historical Data
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The historical data trend for Citystatevings Bank's Equity-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.
For the Banks - Regional subindustry, Citystatevings Bank's Equity-to-Asset, along with its competitors' market caps and Equity-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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Citystatevings Bank's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 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.
Citystatevings Bank (PHS:CSB) has a Equity-to-Asset of 0.16 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Citystatevings Bank and its competitors. This is 11% below median its historical median of 0.18. Over the past decade, Citystatevings Bank's Equity-to-Asset has ranged from 0.11 to 0.23. According to the industry distribution chart, Citystatevings Bank ranks #165 out of 1524 companies in the Banks industry, placing it in the top 10.8%.
Is Citystatevings Bank's Equity-to-Asset too high?
Citystatevings Bank's current Equity-to-Asset of 0.16 is 11% below median its 10-year median of 0.18. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.23. The Banks industry median Equity-to-Asset is 0.10. Citystatevings Bank's value of 0.16 is 60% above this industry median. Based on the distribution chart, Citystatevings Bank ranks #165 out of 1524 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 Equity-to-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #165 out of 1524 companies for Equity-to-Asset. This places Citystatevings Bank in the top 11% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Citystatevings Bank's value of 0.16 is 60% above this benchmark. Historically, Citystatevings Bank's own Equity-to-Asset has ranged from 0.11 to 0.23 over the past decade. While the company's 10-year median is 0.18 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current Equity-to-Asset of 0.16 is 60% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Citystatevings Bank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current Equity-to-Asset is 0.16, which is 11% below median its own 10-year median of 0.18. 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 Equity-to-Asset is 0.16, which is 11% below median its 10-year median of 0.18 and 60% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Equity-to-Asset is 0.16 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:
Equity-to-Asset: 0.16 (11% below median its 10-year median of 0.18)
GF Value™: ₱6.84 vs. price of ₱14.50 (112% above fair value)
Industry Position: 60% above the Banks median (#165 of 1524)
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.
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