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Citystatevings BankPHS:CSB 39 Shiller PE Ratio is 55.84 as of Jul. 18, 2026, which is 19% below its 10-year median of 69.13. GuruFocus rates PHS:CSB with a GF Score™ of 39/100 and a GF Value™ of ₱6.84 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,241 Banks companies, Citystatevings Bank ranks worse than 97.26% on this metric.
The historical rank and industry rank for Citystatevings Bank's Shiller PE Ratio or its related term are showing as below:
PHS:CSB'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 55.84 Med: 69.13 Max: 136.67
Current: 56.76
During the past years, Citystatevings Bank's highest Shiller PE Ratio was 136.67. The lowest was 55.84. And the median was 69.13.
PHS:CSB's Shiller PE Ratio is ranked worse than 97.26% of 1241
companies
in the Banks industry
Industry Median: 13.99
vs PHS:CSB: 56.76
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Citystatevings Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was ₱0.020. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is ₱0.25 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Citystatevings Bank (PHS:CSB) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Citystatevings Bank Shiller PE Ratio Related Terms
Citystatevings Bank Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for Citystatevings Bank's Shiller PE Ratio 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 Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Citystatevings Bank's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Citystatevings Bank's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Citystatevings Bank (PHS:CSB) has a Shiller PE Ratio of 55.84 as of Jul. 18, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Citystatevings Bank and its competitors. This is 19% below median its historical median of 69.13. Over the past decade, Citystatevings Bank's Shiller PE Ratio has ranged from 55.84 to 136.67. According to the industry distribution chart, Citystatevings Bank ranks #1207 out of 1241 companies in the Banks industry, placing it in the top 97.3%.
Is Citystatevings Bank's Shiller PE Ratio too high?
Citystatevings Bank's current Shiller PE Ratio of 55.84 is 19% below median its 10-year median of 69.13. Over the past 10 years, this metric has ranged from a low of 55.84 to a high of 136.67. The Banks industry median Shiller PE Ratio is 13.99. Citystatevings Bank's value of 55.84 is 299.1% above this industry median. Based on the distribution chart, Citystatevings Bank ranks #1207 out of 1241 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Citystatevings Bank has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citystatevings Bank's Shiller PE Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Citystatevings Bank ranks #1207 out of 1241 companies for Shiller PE Ratio. This places Citystatevings Bank in the lower half of its industry. The industry median Shiller PE Ratio is 13.99. Citystatevings Bank's value of 55.84 is 299.1% above this benchmark. Historically, Citystatevings Bank's own Shiller PE Ratio has ranged from 55.84 to 136.67 over the past decade. While the company's 10-year median is 69.13 vs. the industry median of 13.99, Citystatevings Bank 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.99, based on 1,241 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citystatevings Bank's current Shiller PE Ratio of 55.84 is 299.1% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Citystatevings Bank and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citystatevings Bank's current Shiller PE Ratio is 55.84, which is 19% below median its own 10-year median of 69.13. 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 ₱13.96 — trading 104.1% above its estimated fair value. The current Shiller PE Ratio is 55.84, which is 19% below median its 10-year median of 69.13 and 299.1% above the Banks industry median of 13.99. Citystatevings Bank's overall GF Score™ is 39/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Shiller PE Ratio is 55.84 as of Jul. 18, 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 104.1% above its estimated GF Value™ of ₱6.84.
GuruFocus considers Citystatevings Bank to be Significantly Overvalued.
Key valuation signals for PHS:CSB:
Shiller PE Ratio: 55.84 (19% below median its 10-year median of 69.13)
GF Value™: ₱6.84 vs. price of ₱13.96 (104.1% above fair value)
Industry Position: 299.1% above the Banks median (#1207 of 1241)
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.
39GF Score
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