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what it is
CSB Bancorp is a local Ohio bank that takes deposits, makes loans, and sells trust and brokerage services.
how it gets paid
Last year Csb Bancorp made $52M in revenue. net interest income was the main engine at $29M, or 56% of sales.
what just happened
Revenue hit $42M and EPS reached $4.35, a huge jump from the prior year.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
80/100 earnings predictability — you can trust these numbers
11.4x trailing p/e — the market's not buying it — or you found a deal
3.0% dividend yield — cash in your pocket every quarter
$5.06 fy2025 eps est
xvary composite: 67/100 — average
What they do
CSB Bancorp is a local Ohio bank that takes deposits, makes loans, and sells trust and brokerage services.
This bank wins the old-fashioned way: it stays local, keeps credit tight, and funds itself with $1.13 billion of deposits across 16 banking centers. Deposits are the bank's raw material, which means your neighborhood checking account helps fund its loans. That matters because CSBB carries just $1 million of long-term debt, or 1% of capital, which gives it more room than many small banks when rates get weird.
How they make money
$52M
annual revenue
net interest income
$29M
+20.0%
commercial and real estate lending fees
$12M
+18.0%
retail deposit and account fees
$7M
+3.0%
trust and brokerage services
$3M
+6.0%
other banking services
$1M
0.0%
The products that matter
community lending and deposit banking
Commercial & Savings Bank
$1.5B loans · $44.2M net interest income
this is the whole engine. a $1.5B loan book generated $44.2M in net interest income last year, which is 85% of the revenue mix.
85% of revenue
fees and other banking income
Non-interest income
$7.8M · 15% of revenue mix
this $7.8M stream gives you some diversification, but not much. if spreads tighten, fee income is too small to rescue the quarter.
secondary stream
Key numbers
11.4x
trailing p/e
You are paying 11.4 times trailing earnings for a bank with a 3.0% dividend yield and very low beta. That is cheap if earnings hold.
$1.13B
total deposits
Deposits are bank fuel. A $1.13 billion deposit base supports lending and reduces reliance on outside borrowing.
$1M
long-term debt
That is just 1% of capital, which means the balance sheet is carrying almost no long-term leverage.
$5.06
fy2025 eps est
At $57.52 per share, that EPS estimate implies a forward multiple near 11.4 times, which keeps the valuation grounded in real earnings.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 100 / 100
- long-term debt $1M (1% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for CSBB right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue hit $42M and EPS reached $4.35, a huge jump from the prior year.
EDGAR shows quarterly revenue up 185% vs. prior year and EPS up 177% vs. prior year. Web reporting tied the 2025 earnings jump to loan growth, which is the cleanest explanation for a small bank posting numbers this lopsided.
$42M
revenue
$4.35
eps
+185%
revenue growth
the number that mattered
The number that mattered was $42 million in quarterly revenue because the whole company only produced $52 million over the trailing 12 months, so this quarter was doing almost all the talking.
source: company earnings report, 2026
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What could go wrong
the #1 risk is deposit competition in a one-market Ohio bank.
high
geographic concentration
the bank's $1.5B loan portfolio is tied to Holmes County and nearby Ohio markets. in a footprint this small, a local slowdown can hit loan demand, credit quality, and deposits at the same time.
a 1% loss on a $1.5B loan book is $15M. that is more than the current $13.4M of annual net income.
med
net interest margin pressure
85% of revenue comes from net interest income. deposit pricing is not a side issue here — it is the business. when local banks pay up for funding, spreads compress.
a 0.25% hit on a $1.5B balance-sheet base is about $3.8M. that equals roughly 28% of 2025 net income.
low
limited growth runway
the 48% payout ratio sends almost half of earnings back to shareholders. that is useful if you own the stock for income. it also means less retained capital to expand beyond the home market or absorb a rough patch.
if loan growth stalls, the stock is left leaning on a 3.0% yield and an 11.4x multiple instead of a broader growth case.
85% of revenue comes from spread income, so a small squeeze matters. the clean version of this story is local stability. the messy version shows up fast in earnings.
source: institutional data · regulatory filings · risk analysis
Pay attention to
core metric
net interest income
$44.2M is 85% of the revenue mix. if that line weakens, you will see it everywhere else on the page.
risk
credit quality in one local market
a $1.5B loan book tied to one small region makes local credit trends more important than most macro headlines.
calendar
annual shareholder meeting
April 22, 2026. listen for plain-language commentary on deposit competition, loan growth, and whether management plans to stay narrowly local.
trend
capital allocation
the 48% payout ratio says management is comfortable sending cash out. if profits flatten, you want to see whether that discipline still makes sense.
Analyst rankings
earnings predictability
80 / 100
in human-speak, analysts see a bank with fairly dependable results, not one that surprises the street every quarter.
balance sheet grade
B++
above average health. that means balance-sheet stress is not the first risk you circle.
price stability
100 / 100
the stock barely moves. part of that is stability, and part of it is thin trading in a very small bank.
source: institutional data
Institutional activity
institutional ownership data for CSBB is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$58
current price
n/a
target midpoint · n/a from current
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