Citystatevings Bank (PHS:CSB) Net Change in Cash: ₱35.9 Mil (TTM As of Mar. 2026)

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PHS:CSB Citystate Savings Bank Inc PHS:CSB
40 GF Score
Price ₱13.96
GF Value ₱6.85
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Citystatevings Bank Net Change in Cash?

Citystatevings Bank PHS:CSB 40 Net Change in Cash is ₱35.9 Mil as of Mar. 2026. GuruFocus rates PHS:CSB with a GF Score™ of 40/100 and a GF Value™ of ₱6.85 (Significantly Overvalued). The stock has 2 warning signs investors should review.

Net Change in Cash is calculated as the total of Cash Flow from Operations , Cash Flow from Investing, Cash Flow from Financing, and Effect of Exchange Rate Changes.

Citystatevings Bank's Net Change in Cash for the three months ended in Mar. 2026 was ₱-410.1 Mil. Its Net Change in Cash for the trailing twelve months (TTM) ended in Mar. 2026 was ₱35.9 Mil.

Citystatevings Bank Net Change in Cash Historical Data

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The historical data trend for Citystatevings Bank's Net Change in Cash 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 Change in Cash Chart

Citystatevings Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Change in Cash
Get a 7-Day Free Trial Premium Member Only Premium Member Only -580.68 -479.23 356.79 99.81 634.95

Citystatevings Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Change in Cash 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 188.98 -375.99 831.10 -9.13 -410.12
PHS:CSB
40GF Score
Citystate Savings Bank Inc PHS:CSB
Net Change in Cash is just one metric. See GF Score™, valuation, warning signs, and more.
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Citystatevings Bank Net Change in Cash Calculation

Citystatevings Bank's Net Change in Cash for the fiscal year that ended in Dec. 2025 is calculated as

Net Change in Cash= Cash Flow from Operations+Cash Flow from Investing+Cash Flow from Financing+Effect of Exchange Rate Changes
=413.806+221.054+-0.03+0.124
=635.0

Citystatevings Bank's Net Change in Cash for the quarter that ended in Mar. 2026

Net Change in Cash=Cash Flow from Operations+Cash Flow from Investing+Cash Flow from Financing+Effect of Exchange Rate Changes
=539.945+-940.793+-9.573+0.3
=-410.1

Net Change in Cash 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 ₱35.9 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.

Frequently Asked Questions Learn more about Net Change in Cash →
What does a Net Change in Cash of ₱35.9 Mil mean?
Citystatevings Bank (PHS:CSB) has a Net Change in Cash of ₱35.9 Mil as of Mar. 2026. The net change in cash is the total change in cash and equivalents between the current period and the past period. View historical data for Citystatevings Bank and its competitors.
Is Citystatevings Bank's Net Change in Cash too high?
Citystatevings Bank's current Net Change in Cash is ₱35.9 Mil. Overall, Citystatevings Bank has a GF Score™ of 40/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citystatevings Bank's Net Change in Cash compare to PNC and USB?
Citystatevings Bank's Net Change in Cash of ₱35.9 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 Change in Cash for a Banks company?
A good Net Change in Cash depends on the Banks industry context. However, Net Change in Cash 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 Change in Cash mean?
A high Net Change in Cash can signal that a stock is expensive relative to its fundamentals. The net change in cash is the total change in cash and equivalents between the current period and the past period. View historical data for Citystatevings Bank and its competitors. Citystatevings Bank's current Net Change in Cash is ₱35.9 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 ₱6.85, compared to a current price of ₱13.96 — trading 103.8% above its estimated fair value. The current Net Change in Cash is ₱35.9 Mil. Citystatevings Bank's overall GF Score™ is 40/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Change in Cash calculated?
Net Change in Cash is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Net Change in Cash is ₱35.9 Mil 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 ₱13.96 is trading 103.8% above its estimated GF Value™ of ₱6.85. GuruFocus considers Citystatevings Bank to be Significantly Overvalued.

Key valuation signals for PHS:CSB:

  • Net Change in Cash: ₱35.9 Mil
  • GF Value™: ₱6.85 vs. price of ₱13.96 (103.8% above fair value)
  • GF Score™: 40/100 with 2 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.
40GF Score

Get the complete analysis for PHS:CSB

Net Change in Cash is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱13.96
Price
₱6.85
GF Value