Citystatevings BankPHS:CSB 35 12-1 Month Momentum % is 34.55% as of Jul. 11, 2026. GuruFocus rates PHS:CSB with a GF Score™ of 35/100 and a GF Value™ of ₱6.84 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,596 Banks companies, Citystatevings Bank ranks better than 62.34% on this metric.
12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-07-11), Citystatevings Bank's 12-1 Month Momentum % is 34.55%.
The industry rank for Citystatevings Bank's 12-1 Month Momentum % or its related term are showing as below:
PHS:CSB's 12-1 Month Momentum % is ranked better than 62.34% of 1596
companies
in the Banks industry
Industry Median: 16.455
vs PHS:CSB: 34.55
Citystatevings Bank (PHS:CSB) 12-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Citystatevings Bank 12-1 Month Momentum % Related Terms
PHS:CSB vs PNC, USB: 12-1 Month Momentum % Comparison
For the Banks - Regional subindustry, Citystatevings Bank's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % 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 12-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's 12-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's 12-1 Month Momentum % falls into.
Citystatevings Bank (PHS:CSB) 12-1 Month Momentum % Calculation
12-1 Month Momentum % is calculated as following:
12-1 Month Momentum %
=
( Price 1-month ago
/
Price 12-month ago
- 1 )
*
100 %
* 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 12-1 Month Momentum % of 34.55% as of Jul. 11, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Citystatevings Bank and its competitors. According to the industry distribution chart, Citystatevings Bank ranks #601 out of 1596 companies in the Banks industry, placing it in the top 37.7%.
Is Citystatevings Bank's 12-1 Month Momentum % too high?
Citystatevings Bank's current 12-1 Month Momentum % is 34.55%. The Banks industry median 12-1 Month Momentum % is 16.46. Citystatevings Bank's value of 34.55% is 110% above this industry median. Based on the distribution chart, Citystatevings Bank ranks #601 out of 1596 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 12-1 Month Momentum % compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #601 out of 1596 companies for 12-1 Month Momentum %. This puts Citystatevings Bank in the upper half of its industry. The industry median 12-1 Month Momentum % is 16.46. Citystatevings Bank's value of 34.55% is 110% 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 12-1 Month Momentum % for a Banks company?
The median 12-1 Month Momentum % among Banks companies is 16.46, based on 1,596 companies in the industry. Companies in the top quartile (top 25%) have a 12-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 12-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current 12-1 Month Momentum % of 34.55% is 110% 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 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Citystatevings Bank and its competitors. For the Banks industry, the median 12-1 Month Momentum % is 16.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current 12-1 Month Momentum % is 34.55%. 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 12-1 Month Momentum % is 34.55% and 110% above the Banks industry median of 16.46. 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 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current 12-1 Month Momentum % is 34.55% 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:
12-1 Month Momentum %: 34.55%
GF Value™: ₱6.84 vs. price of ₱14.50 (112% above fair value)
Industry Position: 110% above the Banks median (#601 of 1596)
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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