The historical rank and industry rank for Citystatevings Bank's Pretax Margin % or its related term are showing as below:
PHS:CSB'
s Pretax Margin % Range Over the Past 10 Years
Min: -42.38 Med: -5.08 Max: 28.06
Current: 0.23
PHS:CSB's Pretax Margin % is ranked worse than 95.74% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs PHS:CSB: 0.23
Citystatevings Bank (PHS:CSB) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Citystatevings Bank Pretax Margin % Related Terms
Citystatevings Bank Pretax Margin % Historical Data
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The historical data trend for Citystatevings Bank's Pretax 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 Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's Pretax 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 Pretax Margin % of 7.38% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citystatevings Bank and its competitors. According to the industry distribution chart, Citystatevings Bank ranks #1462 out of 1527 companies in the Banks industry, placing it in the top 95.7%.
Is Citystatevings Bank's Pretax Margin % too high?
Citystatevings Bank's current Pretax Margin % is 7.38%. The Banks industry median Pretax Margin % is 34.88. Citystatevings Bank's value of 7.38% is 78.8% below this industry median. Based on the distribution chart, Citystatevings Bank ranks #1462 out of 1527 companies in the Banks industry, which is in the bottom quartile 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 Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #1462 out of 1527 companies for Pretax Margin %. This places Citystatevings Bank in the lower half of its industry. The industry median Pretax Margin % is 34.88. Citystatevings Bank's value of 7.38% is 78.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current Pretax Margin % of 7.38% is 78.8% below 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citystatevings Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current Pretax Margin % is 7.38%. 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 Pretax Margin % is 7.38% and 78.8% below the Banks industry median of 34.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Pretax Margin % is 7.38% 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:
Pretax Margin %: 7.38%
GF Value™: ₱6.82 vs. price of ₱14.50 (112.6% above fair value)
Industry Position: 78.8% below the Banks median (#1462 of 1527)
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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