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Citystatevings BankPHS:CSB 21 3-Year Revenue Growth Rate is 3.90% as of Mar. 2026. GuruFocus rates PHS:CSB with a GF Score™ of 21/100 and a GF Value™ of ₱6.86 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,483 Banks companies, Citystatevings Bank ranks worse than 66.22% on this metric.
During the past 12 months, Citystatevings Bank's average Revenue per Share Growth Rate was -46.80% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 3.90% per year.
During the past 5 years, the average Revenue per Share Growth Rate was -0.10% per year.
During the past 10 years, the average Revenue per Share Growth Rate was -2.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Revenue per Share growth rate.
During the past 13 years, the highest 3-Year average Revenue per Share Growth Rate of Citystatevings Bank was 10.10% per year. The lowest was -8.50% per year. And the median was -0.80% per year.
Citystatevings Bank (PHS:CSB) 3-Year Revenue Growth Rate Explanation
Revenue per Share is the amount of Revenue per outstanding share of the company's stock.
Revenue is income that a company receives from its normal business activities, usually from the sale of goods and services to customers. Revenue is often referred to as the "top line" due to its position on the income statement at the very top. Revenue per share growth rate is used in calculating Predictability Rank, companies with more consistent revenue and earnings growth are ranked high with predictability.
Citystatevings Bank 3-Year Revenue Growth Rate Related Terms
PHS:CSB vs PNC, USB: 3-Year Revenue Growth Rate Comparison
For the Banks - Regional subindustry, Citystatevings Bank's 3-Year Revenue Growth Rate, along with its competitors' market caps and 3-Year Revenue Growth Rate 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 3-Year Revenue Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's 3-Year Revenue Growth Rate distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's 3-Year Revenue Growth Rate falls into.
Citystatevings Bank 3-Year Revenue Growth Rate Calculation
This is the 3-year average growth rate of Revenue per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Revenue per Share growth rate.
What does a 3-Year Revenue Growth Rate of 3.90% mean?
Citystatevings Bank (PHS:CSB) has a 3-Year Revenue Growth Rate of 3.90% as of Mar. 2026. 3-Year Revenue Growth Rate is the 3-year average growth rate of Revenue per share. View historical data for Citystatevings Bank and its competitors. According to the industry distribution chart, Citystatevings Bank ranks #982 out of 1483 companies in the Banks industry, placing it in the top 66.2%.
Is Citystatevings Bank's 3-Year Revenue Growth Rate too high?
Citystatevings Bank's current 3-Year Revenue Growth Rate is 3.90%. The Banks industry median 3-Year Revenue Growth Rate is 6.90. Citystatevings Bank's value of 3.90% is 43.5% below this industry median. Based on the distribution chart, Citystatevings Bank ranks #982 out of 1483 companies in the Banks industry, which is below the industry midpoint. Overall, Citystatevings Bank has a GF Score™ of 21/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citystatevings Bank's 3-Year Revenue Growth Rate compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #982 out of 1483 companies for 3-Year Revenue Growth Rate. This places Citystatevings Bank in the lower half of its industry. The industry median 3-Year Revenue Growth Rate is 6.90. Citystatevings Bank's value of 3.90% is 43.5% 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 3-Year Revenue Growth Rate for a Banks company?
The median 3-Year Revenue Growth Rate among Banks companies is 6.90, based on 1,483 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Revenue Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Revenue Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current 3-Year Revenue Growth Rate of 3.90% is 43.5% 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 3-Year Revenue Growth Rate mean?
A high 3-Year Revenue Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Revenue Growth Rate is the 3-year average growth rate of Revenue per share. View historical data for Citystatevings Bank and its competitors. For the Banks industry, the median 3-Year Revenue Growth Rate is 6.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current 3-Year Revenue Growth Rate is 3.90%. 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 ₱6.86, compared to a current price of ₱13.96 — trading 103.5% above its estimated fair value. The current 3-Year Revenue Growth Rate is 3.90% and 43.5% below the Banks industry median of 6.90. Citystatevings Bank's overall GF Score™ is 21/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Revenue Growth Rate calculated?
3-Year Revenue Growth Rate is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current 3-Year Revenue Growth Rate is 3.90% 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 ₱13.96 is trading 103.5% above its estimated GF Value™ of ₱6.86.
GuruFocus considers Citystatevings Bank to be Significantly Overvalued.
Key valuation signals for PHS:CSB:
3-Year Revenue Growth Rate: 3.90%
GF Value™: ₱6.86 vs. price of ₱13.96 (103.5% above fair value)
Industry Position: 43.5% below the Banks median (#982 of 1483)
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.
21GF Score
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