ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Citystatevings Bank's annualizedNet Income for the quarter that ended in Mar. 2026 was ₱12.4 Mil.
Citystatevings Bank's average Total Assets over the quarter that ended in Mar. 2026 was ₱7,760.3 Mil. Therefore, Citystatevings Bank's annualized ROA % for the quarter that ended in Mar. 2026 was 0.16%.
The historical rank and industry rank for Citystatevings Bank's ROA % or its related term are showing as below:
PHS:CSB'
s ROA % Range Over the Past 10 Years
Min: -2.22 Med: -0.47 Max: 1.44
Current: -0.29
During the past 13 years, Citystatevings Bank's highest ROA % was 1.44%. The lowest was -2.22%. And the median was -0.47%.
PHS:CSB's ROA % is ranked worse than 96.34% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs PHS:CSB: -0.29
Citystatevings Bank (PHS:CSB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Citystatevings Bank ROA % Related Terms
Citystatevings Bank ROA % Historical Data
* Premium members only.
The historical data trend for Citystatevings Bank's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's ROA % distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Citystatevings Bank (PHS:CSB) has a ROA % of 0.16% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Citystatevings Bank and its competitors. According to the industry distribution chart, Citystatevings Bank ranks #1473 out of 1529 companies in the Banks industry, placing it in the top 96.3%.
Is Citystatevings Bank's ROA % too high?
Citystatevings Bank's current ROA % is 0.16%. The Banks industry median ROA % is 0.98. Citystatevings Bank's value of 0.16% is 83.7% below this industry median. Based on the distribution chart, Citystatevings Bank ranks #1473 out of 1529 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 ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #1473 out of 1529 companies for ROA %. This places Citystatevings Bank in the lower half of its industry. The industry median ROA % is 0.98. Citystatevings Bank's value of 0.16% is 83.7% 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current ROA % of 0.16% is 83.7% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Citystatevings Bank and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current ROA % 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 ₱6.82, compared to a current price of ₱14.50 — trading 112.6% above its estimated fair value. The current ROA % is 0.16% and 83.7% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current ROA % 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 112.6% above its estimated GF Value™ of ₱6.82.
GuruFocus considers Citystatevings Bank to be Significantly Overvalued.
Key valuation signals for PHS:CSB:
ROA %: 0.16%
GF Value™: ₱6.82 vs. price of ₱14.50 (112.6% above fair value)
Industry Position: 83.7% below the Banks median (#1473 of 1529)
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
Get the complete analysis for PHS:CSB
ROA % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:CSB has been successfully added to your 
