What is CSB Bancorp Financial Strength?
CSB Bancorp has the Financial Strength Rank of 5.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its
Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3.
Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate CSB Bancorp's interest coverage with the available data.
CSB Bancorp's debt to revenue ratio for the quarter that ended in Sep. 2024 was 0.47.
Altman Z-Score does not apply to banks and insurance companies.
CSB Bancorp Financial Strength Calculation
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
CSB Bancorp's Interest Expense for the
months ended in Sep. 2024 was $-3.98 Mil. Its Operating Income for the
months ended in Sep. 2024 was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2024 was $1.30 Mil.
CSB Bancorp's Interest Coverage for the quarter that ended in Sep. 2024 is
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. CSB Bancorp Inc has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
CSB Bancorp's Debt to Revenue Ratio for the quarter that ended in Sep. 2024 is
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Business Description
Traded in Other Exchanges
N/A
Address
91 North Clay Street, P.O. Box 232, Millersburg, OH, USA, 44654
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, Stark, Tuscarawas, Wayne, and portions of surrounding counties in Ohio.
Executives
| Eddie L Steiner |
director |
14950 HACKETT ROAD, APPLE CREEK OH 44606 |
| Robert K Baker |
director, other: Chairman of the Board |
P.O. BOX 913, KILLBUCK OH 44637 |
| Julian L Coblentz |
director |
91 NORTH CLAY STREET, MILLERSBURG OH 44654 |
| Cheryl M Kirkbride |
director |
91 N CLAY STREET, MILLERSBURG OH 44654 |
| Vikki G Briggs |
director |
91 N CLAY STREET, MILLERSBURG OH 44654 |
| Brett A. Gallion |
officer: SVP/COO/CIO |
91 N. CLAY STREET, MILLERSBURG OH 44654 |
| Paula J Meiler |
officer: Senior Vice President |
30186 MOUNTZ RD, SALEM OH 44460 |
| Jeffery A Robb |
director |
4700 JAEGER DR, THORNVILLE OH 43076 |
| Daniel J Miller |
director |
P.O. BOX 143, WALNUT CREEK OH 44687 |
| John R Waltman |
director |
24 HILLSIDE DRIVE, MILLERSBURG OH 44654 |
| Margaret L Conn |
officer: Corporate Secretary |
105 MARK AVENUE, KILLBUCK OH 44637 |
| Steven R Bailey |
officer: SVP/COO/CIO |
91 NORTH CLAY STREET, MILLERSBURG OH 44654 |
| J Thomas Lang |
director |
7109 STATE ROUTE 514, BIG PRAIRIE OH 44611 |
| Manning William R Jr |
officer: SVP/COO/CIO |
91 NORTH CLAY STREET, MILLERSBURG OH 44654 |
| A Lee Miller |
officer: Senior Vice President |
5046 TOWNSHIP ROAD 376, MILLERSBURG OH 44654 |
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