Csb Bancorp, Inc. - Understand $csbb stock

$CSBB Market Cap: $103 Million

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Financial Snapshot

Revenue

$38.25M

TTM

Gross Margin

Net Earnings

$11.39M

TTM

Current Assets

Current Liabilities

Current Ratio

Total Assets

$1.209B

Q3 2024

Total Liabilities

$1.094B

Q3 2024

Book Value

$115.0M

Q3 2024

Cash

$95.64M

Q3 2024

P/E

9.046

Nov 13, 2024 EST

Free Cash Flow

$12.39M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Revenue	$46.02M	$34.82M	$29.53M		$32.46M	$29.64M	$26.44M	$23.63M	$22.00M	$21.66M	$21.14M	$20.58M	$20.02M
YoY Change	32.16%	17.91%			9.53%	12.09%	11.88%	7.43%	1.57%	2.45%	2.69%	2.83%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$46.02M	$34.82M	$29.53M	$32.46M	$29.64M	$26.44M	$23.63M	$22.00M	$21.66M	$21.14M	$20.58M	$20.02M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$826.0K	$818.0K	$753.0K	$704.0K	$562.0K	$598.0K	$652.0K	$690.0K	$660.0K	$653.0K	$625.0K	$567.0K	$530.0K	$650.0K	$760.0K	$730.0K	$690.0K	$690.0K
YoY Change	0.98%	8.63%	6.96%	25.27%	-6.02%	-8.28%	-5.51%	4.55%	1.07%	4.48%	10.23%	6.98%	-18.46%	-14.47%	4.11%	5.8%	0.0%	-9.21%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$9.875M	$2.496M	$2.012M	$2.913M	$4.062M	$2.886M	$1.988M	$1.473M	$1.567M	$1.729M	$2.255M	$2.978M	$3.678M
YoY Change	295.63%	24.06%	-30.93%	-28.29%	40.75%	45.17%	34.96%	-6.0%	-9.37%	-23.33%	-24.28%	-19.03%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Pretax Income	$18.38M	$16.54M	$13.40M	$13.10M	$12.92M	$11.68M	$10.33M	$9.707M	$8.669M	$8.452M	$7.513M	$6.537M	$5.289M	$5.060M	$4.930M	$5.270M	$5.190M	$4.540M
YoY Change	11.17%	23.4%	2.32%	1.38%	10.65%	13.01%	6.43%	11.97%	2.57%	12.5%	14.93%	23.6%	4.53%	2.64%	-6.45%	1.54%	14.32%	12.38%
Income Tax	$3.627M	$3.223M	$2.567M	$2.528M	$2.504M	$2.263M	$3.230M	$2.969M	$2.647M	$2.568M	$2.273M	$1.990M	$1.602M	$1.570M	$1.530M	$1.730M	$1.670M	$1.430M
% Of Pretax Income	19.73%	19.49%	19.16%	19.3%	19.38%	19.38%	31.27%	30.59%	30.53%	30.38%	30.25%	30.44%	30.29%	31.03%	31.03%	32.83%	32.18%	31.5%
Net Earnings	$14.76M	$13.31M	$10.84M	$10.57M	$10.41M	$9.412M	$7.101M	$6.738M	$6.022M	$5.884M	$5.240M	$4.547M	$3.687M	$3.500M	$3.390M	$3.540M	$3.510M	$3.110M
YoY Change	10.84%	22.85%	2.55%	1.48%	10.65%	32.54%	5.39%	11.89%	2.35%	12.29%	15.24%	23.33%	5.34%	3.24%	-4.24%	0.85%	12.86%	8.36%
Net Earnings / Revenue	32.07%	38.23%	36.7%		32.08%	31.76%	26.86%	28.51%	27.38%	27.17%	24.79%	22.09%	18.42%
Basic Earnings Per Share	$5.51	$4.91	$3.97				$2.59	$2.46	$2.20	$2.15	$1.91	$1.66	$1.35
Diluted Earnings Per Share	$5.51	$4.91	$3.971M	$3.858M	$3.799M	$3.434M	$2.59	$2.46	$2.20	$2.15	$1.91	$1.66	$1.35	$1.282M	$1.242M	$1.427M	$1.421M	$1.229M

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$13.31M	$13.73M	$14.30M	$13.10M	$12.60M	$10.00M	$9.200M	$8.700M	$8.200M	$8.300M	$8.700M	$8.500M	$8.500M	$7.900M	$8.400M	$8.500M	$7.300M	$7.400M
YoY Change	-3.07%	-3.99%	9.16%	3.97%	26.0%	8.7%	5.75%	6.1%	-1.2%	-4.6%	2.35%	0.0%	7.59%	-5.95%	-1.18%	16.44%	-1.35%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$2.634M	$3.059M	$300.0K	-$200.0K	$100.0K	$400.0K	$200.0K	$600.0K	$400.0K	$400.0K	$1.200M
YoY Change	-13.89%	919.67%	-250.0%	-300.0%	-75.0%	100.0%	-66.67%	50.0%	0.0%	-66.67%
Total Long-Term Assets
YoY Change
Total Assets	$1.179B	$1.159B	$1.144B	$1.032B	$818.7M	$731.7M	$707.1M	$670.0M	$650.3M	$621.0M	$596.5M	$586.9M	$551.2M	$457.1M	$450.7M	$424.7M	$350.3M	$327.2M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$299.0K	$307.0K	$400.0K	$500.0K	$600.0K
YoY Change	-2.61%	-23.25%	-20.0%	-16.67%
Deferred Revenue
YoY Change
Short-Term Debt	$35.84M	$32.55M	$36.50M	$37.20M	$38.90M	$37.40M	$39.50M	$48.70M	$48.60M	$46.60M	$48.70M	$44.00M	$37.10M	$32.00M	$28.80M	$22.90M	$27.30M	$28.00M
YoY Change	10.12%	-10.82%	-1.88%	-4.37%	4.01%	-5.32%	-18.89%	0.21%	4.29%	-4.31%	10.68%	18.6%	15.94%	11.11%	25.76%	-16.12%	-2.5%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$36.14M	$32.86M	$400.0K	$500.0K	$600.0K	$37.40M	$39.50M	$48.70M	$48.60M	$46.60M	$48.70M	$44.00M	$37.10M	$32.00M	$28.80M	$22.90M	$27.30M	$28.00M
YoY Change	10.0%	8114.25%	-20.0%	-16.67%	-98.4%	-5.32%	-18.89%	0.21%	4.29%	-4.31%	10.68%	18.6%	15.94%	11.11%	25.76%	-16.12%	-2.5%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change
Other Long-Term Liabilities	$5.427M	$4.453M	$3.800M	$3.800M	$3.900M	$2.700M	$2.400M	$2.700M	$1.900M	$1.900M	$2.000M	$2.300M	$2.000M	$1.500M	$1.600M	$1.800M	$1.300M	$1.500M
YoY Change	21.87%	17.18%	0.0%	-2.56%	44.44%	12.5%	-11.11%	42.11%	0.0%	-5.0%	-13.04%	15.0%	33.33%	-6.25%	-11.11%	38.46%	-13.33%
Total Long-Term Liabilities	$5.427M	$4.453M	$3.800M	$3.800M	$3.900M	$2.700M	$2.400M	$2.700M	$1.900M	$1.900M	$2.000M	$2.300M	$2.000M	$1.500M	$1.600M	$1.800M	$1.300M	$1.500M
YoY Change	21.87%	17.18%	0.0%	-2.56%	44.44%	12.5%	-11.11%	42.11%	0.0%	-5.0%	-13.04%	15.0%	33.33%	-6.25%	-11.11%	38.46%	-13.33%
Total Liabilities	$1.071B	$1.063B	$1.047B	$937.8M	$733.2M	$655.2M	$636.5M	$604.6M	$589.0M	$563.5M	$544.1M	$534.4M	$501.8M	$409.9M	$404.8M	$381.2M	$314.0M	$292.2M
YoY Change	0.71%	1.56%	11.63%	27.91%	11.9%	2.94%	5.28%	2.65%	4.53%	3.57%	1.82%	6.5%	22.42%	1.26%	6.19%	21.4%	7.46%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	2.680M	2.714M	2.733M	2.742M shares	2.742M shares	2.742M shares	2.739M shares	2.738M shares	2.736M shares	2.735M shares	2.735M shares
Diluted Shares Outstanding	2.680M	2.714M	2.733M	2.742M shares	2.742M shares	2.742M shares	2.742M shares	2.739M shares	2.738M shares	2.735M shares	2.735M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $103.04 Million

About CSB Bancorp, Inc.

CSB Bancorp, Inc. is a bank holding company, which engages in the provision of commercial banking services. The company is headquartered in Millersburg, Ohio and currently employs 161 full-time employees. The firm operates through its wholly owned subsidiary, Commercial and Savings Bank of Millersburg, Ohio (the Bank). The firm operates primarily 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, individual retirement accounts (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, commercial, and consumer loans to customers located primarily in Holmes, Stark, Tuscarawas, Wayne, and portions of surrounding counties in Ohio.

Industry: State Commercial Banks Peers: EMCLAIRE FINANCIAL CORP PNC Financial Services Group Inc