Citystatevings Bank (PHS:CSB) Net Interest Income (for Banks): ₱268.3 Mil (As of Jun. 2026)

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PHS:CSB Citystate Savings Bank Inc PHS:CSB
37 GF Score
Price ₱13.12
GF Value ₱6.92
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Citystatevings Bank Net Interest Income (for Banks)?

Citystatevings Bank PHS:CSB 37 Net Interest Income (for Banks) is ₱268.3 Mil as of Jun. 2026. GuruFocus rates PHS:CSB with a GF Score™ of 37/100 and a GF Value™ of ₱6.92 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Net interest income is the income earned by banks from the fund they have on their balance sheet. Citystatevings Bank's net interest income for the three months ended in Jun. 2026 was ₱66.6 Mil. Its net interest income for the trailing twelve months (TTM) ended in Jun. 2026 was ₱268.3 Mil.

Citystatevings Bank's quarterly net interest income increased from Dec. 2025 (₱63.2 Mil) to Mar. 2026 (₱73.8 Mil) but then declined from Mar. 2026 (₱73.8 Mil) to Jun. 2026 (₱66.6 Mil).

Citystatevings Bank's annual net interest income increased from Dec. 2023 (₱226.6 Mil) to Dec. 2024 (₱272.1 Mil) but then declined from Dec. 2024 (₱272.1 Mil) to Dec. 2025 (₱253.9 Mil).

Citystatevings Bank Net Interest Income (for Banks) Historical Data

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The historical data trend for Citystatevings Bank's Net Interest Income (for Banks) 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 Net Interest Income (for Banks) Chart

Citystatevings Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Income (for Banks)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 225.51 240.21 226.63 272.14 253.86

Citystatevings Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Interest Income (for Banks) 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 65.88 64.61 63.23 73.83 66.57
PHS:CSB
37GF Score
Citystate Savings Bank Inc PHS:CSB
Net Interest Income (for Banks) is just one metric. See GF Score™, valuation, warning signs, and more.
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Citystatevings Bank Net Interest Income (for Banks) Calculation

Income earned by banks from the fund they have on their balance sheet. These funds can be from customers' deposit, bank's own equity or borrowed.

Net Interest Income (for Banks) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱268.3 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.

What does a Net Interest Income (for Banks) of ₱268.3 Mil mean?
Citystatevings Bank (PHS:CSB) has a Net Interest Income (for Banks) of ₱268.3 Mil as of Jun. 2026. Net Interest Income is the total income a bank earns from balance sheet funds. View historical data on Citystatevings Bank and its competitors.
Is Citystatevings Bank's Net Interest Income (for Banks) too high?
Citystatevings Bank's current Net Interest Income (for Banks) is ₱268.3 Mil. Overall, Citystatevings Bank has a GF Score™ of 37/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citystatevings Bank's Net Interest Income (for Banks) compare to PNC and USB?
Citystatevings Bank's Net Interest Income (for Banks) of ₱268.3 Mil 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 Net Interest Income (for Banks) for a Banks company?
A good Net Interest Income (for Banks) depends on the Banks industry context. However, Net Interest Income (for Banks) 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 Net Interest Income (for Banks) mean?
A high Net Interest Income (for Banks) can signal that a stock is expensive relative to its fundamentals. Net Interest Income is the total income a bank earns from balance sheet funds. View historical data on Citystatevings Bank and its competitors. Citystatevings Bank's current Net Interest Income (for Banks) is ₱268.3 Mil. 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 ₱6.92, compared to a current price of ₱13.12 — trading 89.6% above its estimated fair value. The current Net Interest Income (for Banks) is ₱268.3 Mil. Citystatevings Bank's overall GF Score™ is 37/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Income (for Banks) calculated?
Net Interest Income (for Banks) is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Net Interest Income (for Banks) is ₱268.3 Mil as of Jun. 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 ₱13.12 is trading 89.6% above its estimated GF Value™ of ₱6.92. GuruFocus considers Citystatevings Bank to be Significantly Overvalued.

Key valuation signals for PHS:CSB:

  • Net Interest Income (for Banks): ₱268.3 Mil
  • GF Value™: ₱6.92 vs. price of ₱13.12 (89.6% above fair value)
  • GF Score™: 37/100 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.
37GF Score

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Net Interest Income (for Banks) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱13.12
Price
₱6.92
GF Value