Citystatevings BankPHS:CSB 35 Return-on-Tangible-Equity is 1.01% 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 1,521 Banks companies, Citystatevings Bank ranks worse than 96.71% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Citystatevings Bank's annualized net income for the quarter that ended in Mar. 2026 was ₱12.4 Mil. Citystatevings Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₱1,228.0 Mil. Therefore, Citystatevings Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 1.01%.
The historical rank and industry rank for Citystatevings Bank's Return-on-Tangible-Equity or its related term are showing as below:
PHS:CSB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -17.73 Med: -2.8 Max: 8.64
Current: -1.83
During the past 13 years, Citystatevings Bank's highest Return-on-Tangible-Equity was 8.64%. The lowest was -17.73%. And the median was -2.80%.
PHS:CSB's Return-on-Tangible-Equity is ranked worse than 96.71% of 1521
companies
in the Banks industry
Industry Median: 11.19
vs PHS:CSB: -1.83
Citystatevings Bank (PHS:CSB) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Citystatevings Bank Return-on-Tangible-Equity Related Terms
Citystatevings Bank Return-on-Tangible-Equity Historical Data
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The historical data trend for Citystatevings Bank's Return-on-Tangible-Equity 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-Equity Chart
PHS:CSB vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Citystatevings Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 1.01% mean?
Citystatevings Bank (PHS:CSB) has a Return-on-Tangible-Equity of 1.01% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Citystatevings Bank and its competitors. According to the industry distribution chart, Citystatevings Bank ranks #1471 out of 1521 companies in the Banks industry, placing it in the top 96.7%.
Is Citystatevings Bank's Return-on-Tangible-Equity too high?
Citystatevings Bank's current Return-on-Tangible-Equity is 1.01%. The Banks industry median Return-on-Tangible-Equity is 11.19. Citystatevings Bank's value of 1.01% is 91% below this industry median. Based on the distribution chart, Citystatevings Bank ranks #1471 out of 1521 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-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #1471 out of 1521 companies for Return-on-Tangible-Equity. This places Citystatevings Bank in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.19. Citystatevings Bank's value of 1.01% is 91% 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.19, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current Return-on-Tangible-Equity of 1.01% is 91% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Citystatevings Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current Return-on-Tangible-Equity is 1.01%. 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-Equity is 1.01% and 91% below the Banks industry median of 11.19. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Return-on-Tangible-Equity is 1.01% 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-Equity: 1.01%
GF Value™: ₱6.84 vs. price of ₱14.50 (112% above fair value)
Industry Position: 91% below the Banks median (#1471 of 1521)
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
Get the complete analysis for PHS:CSB
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