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Citystatevings BankPHS:CSB 40 Price-to-Tangible-Book is 1.86 as of Aug. 01, 2026, which is 54% above its 10-year median of 1.21. 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. Among 1,503 Banks companies, Citystatevings Bank ranks worse than 82.17% on this metric.
Some businesses have very light assets, such as software companies or insurance agencies. The Price-to-Book Ratio does not work well for these companies. Some companies even have negative equity, so the Price-to-Book Ratio cannot be applied to them.
Citystatevings Bank Price-to-Tangible-Book Related Terms
Citystatevings Bank Price-to-Tangible-Book Historical Data
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The historical data trend for Citystatevings Bank's Price-to-Tangible-Book 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.
PHS:CSB vs PNC, USB: Price-to-Tangible-Book Comparison
For the Banks - Regional subindustry, Citystatevings Bank's Price-to-Tangible-Book, along with its competitors' market caps and Price-to-Tangible-Book 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 Price-to-Tangible-Book vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's Price-to-Tangible-Book distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's Price-to-Tangible-Book 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called PB Ratio. The difference between Price-to-Tangible-Book Ratio and PB Ratio is that book value other than intangibles are used in the calculation.
Citystatevings Bank (PHS:CSB) has a Price-to-Tangible-Book of 1.86 as of Aug. 01, 2026. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Citystatevings Bank and its competitors. This is 54% above median its historical median of 1.21. Over the past decade, Citystatevings Bank's Price-to-Tangible-Book has ranged from 0.76 to 2.30. According to the industry distribution chart, Citystatevings Bank ranks #1235 out of 1503 companies in the Banks industry, placing it in the top 82.2%.
Is Citystatevings Bank's Price-to-Tangible-Book too high?
Citystatevings Bank's current Price-to-Tangible-Book of 1.86 is 54% above median its 10-year median of 1.21. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 2.30. The Banks industry median Price-to-Tangible-Book is 1.18. Citystatevings Bank's value of 1.86 is 57.6% above this industry median. Based on the distribution chart, Citystatevings Bank ranks #1235 out of 1503 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Price-to-Tangible-Book compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #1235 out of 1503 companies for Price-to-Tangible-Book. This places Citystatevings Bank in the lower half of its industry. The industry median Price-to-Tangible-Book is 1.18. Citystatevings Bank's value of 1.86 is 57.6% above this benchmark. Historically, Citystatevings Bank's own Price-to-Tangible-Book has ranged from 0.76 to 2.30 over the past decade. While the company's 10-year median is 1.21 vs. the industry median of 1.18, Citystatevings Bank 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 Price-to-Tangible-Book for a Banks company?
The median Price-to-Tangible-Book among Banks companies is 1.18, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Tangible-Book significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Tangible-Book should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current Price-to-Tangible-Book of 1.86 is 57.6% 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 Price-to-Tangible-Book mean?
A high Price-to-Tangible-Book can signal that a stock is expensive relative to its fundamentals. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Citystatevings Bank and its competitors. For the Banks industry, the median Price-to-Tangible-Book is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current Price-to-Tangible-Book is 1.86, which is 54% above median its own 10-year median of 1.21. 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 Price-to-Tangible-Book is 1.86, which is 54% above median its 10-year median of 1.21 and 57.6% above the Banks industry median of 1.18. 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 Price-to-Tangible-Book calculated?
Price-to-Tangible-Book is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Price-to-Tangible-Book is 1.86 as of Aug. 01, 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:
Price-to-Tangible-Book: 1.86 (54% above median its 10-year median of 1.21)
GF Value™: ₱6.85 vs. price of ₱13.96 (103.8% above fair value)
Industry Position: 57.6% above the Banks median (#1235 of 1503)
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.
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