EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Citystatevings Bank's Enterprise Value is ₱1,409.8 Mil.
Citystatevings Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₱862.1 Mil. Therefore, Citystatevings Bank's EV-to-FCF for today is 1.64.
The historical rank and industry rank for Citystatevings Bank's EV-to-FCF or its related term are showing as below:
PHS:CSB'
s EV-to-FCF Range Over the Past 10 Years
Min: -7.3 Med: -0.01 Max: 74.69
Current: 1.64
During the past 13 years, the highest EV-to-FCF of Citystatevings Bank was 74.69. The lowest was -7.30. And the median was -0.01.
PHS:CSB's EV-to-FCF is ranked better than 72.67% of 1193
companies
in the Banks industry
Industry Median: 6.57
vs PHS:CSB: 1.64
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Citystatevings Bank (PHS:CSB) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Citystatevings Bank's PE Ratio (TTM) for today is calculated as:
Citystatevings Bank's share price for today is ₱14.50.
Citystatevings Bank's Earnings per Share (Diluted) 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 ₱-0.130.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Citystatevings Bank EV-to-FCF Related Terms
Citystatevings Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Citystatevings Bank's EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's EV-to-FCF falls into.
Citystatevings Bank's current Enterprise Value is ₱1,409.8 Mil.
Citystatevings Bank's Free Cash Flow 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 ₱862.1 Mil.
* 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 EV-to-FCF of 1.64 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citystatevings Bank and its competitors. According to the industry distribution chart, Citystatevings Bank ranks #326 out of 1193 companies in the Banks industry, placing it in the top 27.3%.
Is Citystatevings Bank's EV-to-FCF too high?
Citystatevings Bank's current EV-to-FCF is 1.64. The Banks industry median EV-to-FCF is 6.57. Citystatevings Bank's value of 1.64 is 75% below this industry median. Based on the distribution chart, Citystatevings Bank ranks #326 out of 1193 companies in the Banks industry, which is above the industry midpoint. 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 EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #326 out of 1193 companies for EV-to-FCF. This puts Citystatevings Bank in the upper half of its industry. The industry median EV-to-FCF is 6.57. Citystatevings Bank's value of 1.64 is 75% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current EV-to-FCF of 1.64 is 75% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citystatevings Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current EV-to-FCF is 1.64. 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 EV-to-FCF is 1.64 and 75% below the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current EV-to-FCF is 1.64 as of Jul. 11, 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:
EV-to-FCF: 1.64
GF Value™: ₱6.84 vs. price of ₱14.50 (112% above fair value)
Industry Position: 75% below the Banks median (#326 of 1193)
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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