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CSB BancorpCSBB -1.32%59 Net Margin % is 34.80% as of Jun. 2026, which is 14% above its 10-year median of 30.53. GuruFocus rates CSBB with a GF Score™ of 59/100 and a GF Value™ of $50.76 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, CSB Bancorp ranks better than 55.18% on this metric.
Net margin is calculated as Net Income divided by its Revenue. CSB Bancorp's Net Income for the
three
months ended in Jun. 2026 was $4.74 Mil. CSB Bancorp's Revenue for the
three
months ended in Jun. 2026 was $13.61 Mil. Therefore, CSB Bancorp's net margin for the quarter that ended in Jun. 2026 was 34.80%.
The historical rank and industry rank for CSB Bancorp's Net Margin % or its related term are showing as below:
CSBB'
s Net Margin % Range Over the Past 10 Years
Min: 23.18 Med: 30.53 Max: 34.96
Current: 28.95
CSBB's Net Margin % is ranked better than 55.18% of 1526
companies
in the Banks industry
Industry Median: 27.295
vs CSBB: 28.95
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
CSB Bancorp Net Margin % Related Terms
CSB Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for CSB Bancorp's Net 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, CSB Bancorp's Net Margin %, along with its competitors' market caps and Net 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.
CSB Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CSB Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where CSB Bancorp's Net 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.
CSB Bancorp (CSBB) has a Net Margin % of 34.80% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on CSB Bancorp and its competitors. This is 14% above median its historical median of 30.53. Over the past decade, CSB Bancorp's Net Margin % has ranged from 23.18 to 34.96. According to the industry distribution chart, CSB Bancorp ranks #684 out of 1526 companies in the Banks industry, placing it in the top 44.8%.
Is CSB Bancorp's Net Margin % too high?
CSB Bancorp's current Net Margin % of 34.80% is 14% above median its 10-year median of 30.53. Over the past 10 years, this metric has ranged from a low of 23.18 to a high of 34.96. The Banks industry median Net Margin % is 27.30. CSB Bancorp's value of 34.80% is 27.5% above this industry median. Based on the distribution chart, CSB Bancorp ranks #684 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, CSB Bancorp has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CSB Bancorp's Net Margin % compare to LARK and SABK?
According to the Banks industry distribution chart, CSB Bancorp ranks #684 out of 1526 companies for Net Margin %. This puts CSB Bancorp in the upper half of its industry. The industry median Net Margin % is 27.30. CSB Bancorp's value of 34.80% is 27.5% above this benchmark. Historically, CSB Bancorp's own Net Margin % has ranged from 23.18 to 34.96 over the past decade. While the company's 10-year median is 30.53 vs. the industry median of 27.30, CSB Bancorp 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.30, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSB Bancorp's current Net Margin % of 34.80% is 27.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on CSB Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSB Bancorp's current Net Margin % is 34.80%, which is 14% above median its own 10-year median of 30.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CSB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, CSB Bancorp (CSBB) is currently considered Significantly Overvalued. The stock's GF Value™ is $50.76, compared to a current price of $73.50 — trading 44.8% above its estimated fair value. The current Net Margin % is 34.80%, which is 14% above median its 10-year median of 30.53 and 27.5% above the Banks industry median of 27.30. CSB Bancorp's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For CSB Bancorp (CSBB), the current Net Margin % is 34.80% 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 CSB Bancorp (CSBB) Overvalued in 2026?
Based on GuruFocus' analysis, CSB Bancorp stock appears to be overvalued.
The current stock price of $73.50 is trading 44.8% above its estimated GF Value™ of $50.76.
GuruFocus considers CSB Bancorp to be Significantly Overvalued.
Key valuation signals for CSBB:
Net Margin %: 34.80% (14% above median its 10-year median of 30.53)
GF Value™: $50.76 vs. price of $73.50 (44.8% above fair value)
Industry Position: 27.5% above the Banks median (#684 of 1526)
No single metric tells the full story. See the CSBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CSB Bancorp Inc is a registered financial holding company that operates through the Bank and CSB Investment Services LLC, providing a wide range of banking, trust, financial, and brokerage services to corporate, institutional, and individual customers throughout northeast Ohio. The Bank provides retail and commercial banking services to its customers, including checking and savings accounts, time deposits, IRAs, safe deposit facilities, personal loans, commercial loans, real estate mortgage loans, installment loans, night depository facilities, brokerage, and trust services. The Bank provides residential real estate, commercial real estate, and commercial, and consumer loans to customers located in Holmes, Medina, Stark, Tuscarawas, and Wayne, and portions of surrounding counties in Ohio.
59GF Score
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