Citystatevings Bank (PHS:CSB) Scaled Net Operating Assets: 0.03 (As of Mar. 2026)


PHS:CSB Citystate Savings Bank Inc PHS:CSB
38 GF Score
Price ₱14.50
GF Value ₱6.82
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Citystatevings Bank Scaled Net Operating Assets?

Citystatevings Bank PHS:CSB 38 Scaled Net Operating Assets is 0.03 as of Mar. 2026. GuruFocus rates PHS:CSB with a GF Score™ of 38/100 and a GF Value™ of ₱6.82 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Citystatevings Bank's operating assets for the quarter that ended in Mar. 2026 was ₱6,898.8 Mil. Citystatevings Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₱6,688.2 Mil. Citystatevings Bank's Total Assets for the quarter that ended in Dec. 2025 was ₱7,417.8 Mil. Therefore, Citystatevings Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.03.

PHS:CSB
38GF Score
Citystate Savings Bank Inc PHS:CSB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Citystatevings Bank Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Citystatevings Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(6895.952-6023.305)/6395.026
=0.14

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=7417.807 - 521.855
=6895.952

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=6110.425 - 87.12 - 0
=6023.305

Citystatevings Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(6898.845-6688.228)/7417.807
=0.03

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=8102.73 - 1203.885
=6898.845

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=6780.919 - 92.691 - 0
=6688.228

* 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.

What does a Scaled Net Operating Assets of 0.03 mean?
Citystatevings Bank (PHS:CSB) has a Scaled Net Operating Assets of 0.03 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Citystatevings Bank and its competitors.
Is Citystatevings Bank's Scaled Net Operating Assets too high?
Citystatevings Bank's current Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets compare to PNC and USB?
Citystatevings Bank's Scaled Net Operating Assets of 0.03 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Citystatevings Bank and its competitors. Citystatevings Bank's current Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets is 0.03. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Citystatevings Bank (PHS:CSB), the current Scaled Net Operating Assets is 0.03 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:

  • Scaled Net Operating Assets: 0.03
  • GF Value™: ₱6.82 vs. price of ₱14.50 (112.6% above fair value)
  • GF Score™: 38/100 with 3 warning signs

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.

Citystatevings Bank Business Description

Address 709 Shaw Boulevard, 2nd Floor, Citystate Centre Building, Metro Manila, Pasig, PHL, 1600
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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱14.50
Price
₱6.82
GF Value