Citystatevings BankPHS:CSB 35 Return-on-Tangible-Asset is 0.16% as of Mar. 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 1,527 Banks companies, Citystatevings Bank ranks worse than 96.46% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Citystatevings Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was ₱12.4 Mil. Citystatevings Bank's average total tangible assets for the quarter that ended in Mar. 2026 was ₱7,673.6 Mil. Therefore, Citystatevings Bank's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.16%.
The historical rank and industry rank for Citystatevings Bank's Return-on-Tangible-Asset or its related term are showing as below:
PHS:CSB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -2.26 Med: -0.47 Max: 1.45
Current: -0.3
During the past 13 years, Citystatevings Bank's highest Return-on-Tangible-Asset was 1.45%. The lowest was -2.26%. And the median was -0.47%.
PHS:CSB's Return-on-Tangible-Asset is ranked worse than 96.46% of 1527
companies
in the Banks industry
Industry Median: 0.99
vs PHS:CSB: -0.30
Citystatevings Bank (PHS:CSB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Citystatevings Bank Return-on-Tangible-Asset Related Terms
Citystatevings Bank Return-on-Tangible-Asset Historical Data
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The historical data trend for Citystatevings Bank's Return-on-Tangible-Asset 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.
Citystatevings Bank Return-on-Tangible-Asset Chart
PHS:CSB vs PNC, USB: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Citystatevings Bank's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.16% mean?
Citystatevings Bank (PHS:CSB) has a Return-on-Tangible-Asset of 0.16% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Citystatevings Bank and its competitors. According to the industry distribution chart, Citystatevings Bank ranks #1473 out of 1527 companies in the Banks industry, placing it in the top 96.5%.
Is Citystatevings Bank's Return-on-Tangible-Asset too high?
Citystatevings Bank's current Return-on-Tangible-Asset is 0.16%. The Banks industry median Return-on-Tangible-Asset is 0.99. Citystatevings Bank's value of 0.16% is 83.8% below this industry median. Based on the distribution chart, Citystatevings Bank ranks #1473 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 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citystatevings Bank's Return-on-Tangible-Asset compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #1473 out of 1527 companies for Return-on-Tangible-Asset. This places Citystatevings Bank in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Citystatevings Bank's value of 0.16% is 83.8% 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current Return-on-Tangible-Asset of 0.16% is 83.8% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Citystatevings Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current Return-on-Tangible-Asset is 0.16%. 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 Return-on-Tangible-Asset is 0.16% and 83.8% below the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Return-on-Tangible-Asset is 0.16% 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% above its estimated GF Value™ of ₱6.84.
GuruFocus considers Citystatevings Bank to be Significantly Overvalued.
Key valuation signals for PHS:CSB:
Return-on-Tangible-Asset: 0.16%
GF Value™: ₱6.84 vs. price of ₱14.50 (112% above fair value)
Industry Position: 83.8% below the Banks median (#1473 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.
35GF Score
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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