The historical rank and industry rank for Citystatevings Bank's FCF Margin % or its related term are showing as below:
PHS:CSB'
s FCF Margin % Range Over the Past 10 Years
Min: -306.58 Med: -13.34 Max: 280.69
Current: 280.69
During the past 13 years, the highest FCF Margin % of Citystatevings Bank was 280.69%. The lowest was -306.58%. And the median was -13.34%.
PHS:CSB's FCF Margin % is ranked better than 96.48% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs PHS:CSB: 280.69
Citystatevings Bank FCF Margin % Related Terms
Citystatevings Bank FCF Margin % Historical Data
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The historical data trend for Citystatevings Bank's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's FCF Margin % 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 FCF Margin % of 479.62% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citystatevings Bank and its competitors. According to the industry distribution chart, Citystatevings Bank ranks #53 out of 1505 companies in the Banks industry, placing it in the top 3.5%.
Is Citystatevings Bank's FCF Margin % too high?
Citystatevings Bank's current FCF Margin % is 479.62%. The Banks industry median FCF Margin % is 26.42. Citystatevings Bank's value of 479.62% is 1715.4% above this industry median. Based on the distribution chart, Citystatevings Bank ranks #53 out of 1505 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 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citystatevings Bank's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #53 out of 1505 companies for FCF Margin %. This places Citystatevings Bank in the top 4% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.42. Citystatevings Bank's value of 479.62% is 1715.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current FCF Margin % of 479.62% is 1715.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citystatevings Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current FCF Margin % is 479.62%. 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 FCF Margin % is 479.62% and 1715.4% above the Banks industry median of 26.42. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current FCF Margin % is 479.62% 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:
FCF Margin %: 479.62%
GF Value™: ₱6.82 vs. price of ₱14.50 (112.6% above fair value)
Industry Position: 1715.4% above the Banks median (#53 of 1505)
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
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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