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CSB BancorpCSBB -1.32%59 ROE % is 14.47% as of Jun. 2026, which is 25% above its 10-year median of 11.57. GuruFocus rates CSBB with a GF Score™ of 59/100 and a GF Value™ of $50.76 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,524 Banks companies, CSB Bancorp ranks better than 61.81% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. CSB Bancorp's annualized net income for the quarter that ended in Jun. 2026 was $18.94 Mil. CSB Bancorp's average Total Stockholders Equity over the quarter that ended in Jun. 2026 was $130.92 Mil. Therefore, CSB Bancorp's annualized ROE % for the quarter that ended in Jun. 2026 was 14.47%.
The historical rank and industry rank for CSB Bancorp's ROE % or its related term are showing as below:
CSBB'
s ROE % Range Over the Past 10 Years
Min: 8.99 Med: 11.57 Max: 14.48
Current: 11.97
During the past 13 years, CSB Bancorp's highest ROE % was 14.48%. The lowest was 8.99%. And the median was 11.57%.
CSBB's ROE % is ranked better than 61.81% of 1524
companies
in the Banks industry
Industry Median: 10.49
vs CSBB: 11.97
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
CSB Bancorp ROE % Related Terms
CSB Bancorp ROE % Historical Data
* Premium members only.
The historical data trend for CSB Bancorp's ROE % 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, CSB Bancorp's ROE %, along with its competitors' market caps and ROE % 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.
CSB Bancorp ROE % vs Banks Industry
For the Banks industry and Financial Services sector, CSB Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where CSB Bancorp's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
CSB Bancorp (CSBB) has a ROE % of 14.47% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on CSB Bancorp and its competitors. This is 25% above median its historical median of 11.57. Over the past decade, CSB Bancorp's ROE % has ranged from 8.99 to 14.48. According to the industry distribution chart, CSB Bancorp ranks #582 out of 1524 companies in the Banks industry, placing it in the top 38.2%.
Is CSB Bancorp's ROE % too high?
CSB Bancorp's current ROE % of 14.47% is 25% above median its 10-year median of 11.57. Over the past 10 years, this metric has ranged from a low of 8.99 to a high of 14.48. The Banks industry median ROE % is 10.49. CSB Bancorp's value of 14.47% is 37.9% above this industry median. Based on the distribution chart, CSB Bancorp ranks #582 out of 1524 companies in the Banks industry, which is above the industry midpoint. Overall, CSB Bancorp has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CSB Bancorp's ROE % compare to LARK and SABK?
According to the Banks industry distribution chart, CSB Bancorp ranks #582 out of 1524 companies for ROE %. This puts CSB Bancorp in the upper half of its industry. The industry median ROE % is 10.49. CSB Bancorp's value of 14.47% is 37.9% above this benchmark. Historically, CSB Bancorp's own ROE % has ranged from 8.99 to 14.48 over the past decade. While the company's 10-year median is 11.57 vs. the industry median of 10.49, CSB Bancorp 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.49, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CSB Bancorp's current ROE % of 14.47% is 37.9% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on CSB Bancorp and its competitors. For the Banks industry, the median ROE % is 10.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CSB Bancorp's current ROE % is 14.47%, which is 25% above median its own 10-year median of 11.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CSB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, CSB Bancorp (CSBB) is currently considered Significantly Overvalued. The stock's GF Value™ is $50.76, compared to a current price of $73.50 — trading 44.8% above its estimated fair value. The current ROE % is 14.47%, which is 25% above median its 10-year median of 11.57 and 37.9% above the Banks industry median of 10.49. CSB Bancorp's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For CSB Bancorp (CSBB), the current ROE % is 14.47% as of Jun. 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 CSB Bancorp (CSBB) Overvalued in 2026?
Based on GuruFocus' analysis, CSB Bancorp stock appears to be overvalued.
The current stock price of $73.50 is trading 44.8% above its estimated GF Value™ of $50.76.
GuruFocus considers CSB Bancorp to be Significantly Overvalued.
Key valuation signals for CSBB:
ROE %: 14.47% (25% above median its 10-year median of 11.57)
GF Value™: $50.76 vs. price of $73.50 (44.8% above fair value)
Industry Position: 37.9% above the Banks median (#582 of 1524)
No single metric tells the full story. See the CSBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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, Medina, Stark, Tuscarawas, and Wayne, and portions of surrounding counties in Ohio.
59GF Score
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