CSB Bancorp, Inc. (CSBB)
State Commercial Banks · Financial Services · $174M
Intrinsic Value (Consensus)
$92.00
Current Price
$66.38
Margin of Safety
+38.6%
38.6% Below Intrinsic Value
Value: $92
Price: $66
Valuation Model Estimates
Current Price: $66.38
DCF (Discounted Cash Flow)
$340.67
Graham Number
$74.05
Earnings Power Value
$49.22
Relative Value (P/E)
$101.40
Dividend Discount Model
$143.33
Consensus Value
$92.00
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
74
Profitability
18/25
Strength
24/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (20% YoY)
High free cash flow yield (10.9%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $5.07
- EPS (Forward)
- $6.08
- Book Value
- $48.07
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 10.6%
- Debt/Equity
- 1%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.4%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance