What is Csb Bancorp Inc's earnings per share (EPS)?

Csb Bancorp Inc (CSBB) reported diluted earnings per share of $5.07 for fiscal year 2025. This represents a 34.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Csb Bancorp Inc Financials

CSBB

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Csb Bancorp Inc (CSBB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 71/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Csb Bancorp Inc's revenue grew 10.5% year-over-year to $57.0M, a solid pace of expansion. This earns a growth score of 51/100.

Leverage

100

Csb Bancorp Inc carries a low D/E ratio of 0.01, meaning only $0.01 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.

Cash Flow

100

Csb Bancorp Inc converts 33.5% of revenue into free cash flow ($19.1M). This strong cash generation earns a score of 100/100.

Returns

Csb Bancorp Inc's ROE of 10.6% shows moderate profitability relative to equity, earning a score of 35/100. This is up from 8.7% the prior year.

Piotroski F-Score Strong

7/9

Csb Bancorp Inc passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.46x

For every $1 of reported earnings, Csb Bancorp Inc generates $1.46 in operating cash flow ($19.5M OCF vs $13.4M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$57.0M

YoY+10.5%

5Y CAGR+12.9%

10Y CAGR+10.0%

Csb Bancorp Inc generated $57.0M in revenue in fiscal year 2025. This represents an increase of 10.5% from the prior year.

EBITDA

N/A

Net Income

$13.4M

YoY+33.5%

5Y CAGR+4.8%

10Y CAGR+8.3%

Csb Bancorp Inc reported $13.4M in net income in fiscal year 2025. This represents an increase of 33.5% from the prior year.

EPS (Diluted)

$5.07

YoY+34.8%

10Y CAGR+8.7%

Csb Bancorp Inc earned $5.07 per diluted share (EPS) in fiscal year 2025. This represents an increase of 34.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$19.1M

YoY+39.2%

5Y CAGR+9.4%

10Y CAGR+10.5%

Csb Bancorp Inc generated $19.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 39.2% from the prior year.

Cash & Debt

$99.3M

YoY+35.1%

5Y CAGR-11.4%

10Y CAGR+10.0%

Csb Bancorp Inc held $99.3M in cash against $917K in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.64

YoY+3.8%

5Y CAGR+7.7%

10Y CAGR+8.0%

Csb Bancorp Inc paid $1.64 per share in dividends in fiscal year 2025. This represents an increase of 3.8% from the prior year.

Shares Outstanding

YoY-0.9%

5Y CAGR-0.9%

10Y CAGR-0.4%

Csb Bancorp Inc had 3M shares outstanding in fiscal year 2025. This represents a decrease of 0.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

23.4%

YoY+4.0pp

5Y CAGR-10.6pp

10Y CAGR-3.9pp

Csb Bancorp Inc's net profit margin was 23.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.0 percentage points from the prior year.

Return on Equity

10.6%

YoY+1.9pp

5Y CAGR-0.7pp

10Y CAGR+0.8pp

Csb Bancorp Inc's ROE was 10.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.9 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$999K

YoY+31.1%

Csb Bancorp Inc spent $999K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 31.1% from the prior year.

Capital Expenditures

$412K

YoY-79.0%

5Y CAGR-27.0%

10Y CAGR-3.9%

Csb Bancorp Inc invested $412K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 79.0% from the prior year.

CSBB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$57.0M+10.5%	$51.6M+12.1%	$46.0M+32.2%	$34.8M+17.9%	$29.5M-4.9%	$31.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$14.7M-0.6%	$14.7M+49.3%	$9.9M+295.6%	$2.5M+24.1%	$2.0M-30.9%	$2.9M
Income Tax	$3.2M+37.8%	$2.3M-36.0%	$3.6M+12.5%	$3.2M+25.6%	$2.6M+1.5%	$2.5M
Net Income	$13.4M+33.5%	$10.0M-32.1%	$14.8M+10.8%	$13.3M+22.8%	$10.8M+2.5%	$10.6M
EPS (Diluted)	$5.07+34.8%	$3.76-31.8%	$5.51+12.2%	$4.91+23.7%	$3.97	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$15.1M+2.7%	$14.7M+5.6%	$13.9M+4.9%	$13.3M-0.5%	$13.4M+1.2%	$13.2M+5.5%	$12.5M-0.4%	$12.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$3.7M-2.2%	$3.8M+5.4%	$3.6M-0.5%	$3.6M-4.9%	$3.8M-4.8%	$4.0M+11.1%	$3.6M+5.0%	$3.4M
Income Tax	$400K-60.7%	$1.0M+12.8%	$903K+2.8%	$878K+66.9%	$526K-30.4%	$756K+117.2%	$348K-49.8%	$693K
Net Income	$1.9M-55.0%	$4.2M+11.4%	$3.7M+3.1%	$3.6M+55.9%	$2.3M-26.3%	$3.1M+94.7%	$1.6M-44.9%	$2.9M
EPS (Diluted)	N/A	$1.57+11.3%	$1.41+2.9%	$1.37	N/A	$1.18+93.4%	$0.61-44.5%	$1.10

CSBB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.3B+8.5%	$1.2B+1.1%	$1.2B+1.7%	$1.2B+1.3%	$1.1B+10.9%	$1.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$99.3M+35.1%	$73.5M+14.7%	$64.1M-25.9%	$86.4M-64.5%	$243.7M+34.1%	$181.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$4.7M0.0%	$4.7M0.0%	$4.7M0.0%	$4.7M0.0%	$4.7M0.0%	$4.7M
Total Liabilities	$1.2B+8.3%	$1.1B+0.6%	$1.1B+0.7%	$1.1B+1.6%	$1.0B+11.6%	$937.8M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$917K-27.6%	$1.3M-27.8%	$1.8M	N/A	N/A	N/A
Total Equity	$126.3M+10.0%	$114.8M+6.4%	$107.9M+12.5%	$95.9M-1.4%	$97.3M+3.7%	$93.9M
Retained Earnings	$112.1M+8.8%	$103.1M+6.0%	$97.3M+12.5%	$86.5M+12.8%	$76.7M+10.8%	$69.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$1.3B+3.6%	$1.2B+0.8%	$1.2B+1.6%	$1.2B+2.3%	$1.2B-1.5%	$1.2B+3.6%	$1.2B+1.0%	$1.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$99.3M+22.9%	$80.8M-15.2%	$95.3M+7.7%	$88.5M+20.4%	$73.5M-23.1%	$95.6M+70.2%	$56.2M+42.6%	$39.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$4.7M0.0%	$4.7M0.0%	$4.7M0.0%	$4.7M0.0%	$4.7M0.0%	$4.7M0.0%	$4.7M0.0%	$4.7M
Total Liabilities	$1.2B+3.9%	$1.1B+0.6%	$1.1B+1.5%	$1.1B+2.2%	$1.1B-1.6%	$1.1B+3.5%	$1.1B+1.0%	$1.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$917K	N/A	N/A	N/A	$1.3M	N/A	N/A	N/A
Total Equity	$126.3M+0.9%	$125.2M+2.9%	$121.7M+2.8%	$118.3M+3.0%	$114.8M-0.2%	$115.0M+4.2%	$110.4M+0.7%	$109.6M
Retained Earnings	$112.1M+0.7%	$111.4M+2.8%	$108.3M+2.5%	$105.7M+2.5%	$103.1M+1.2%	$101.8M+2.1%	$99.8M+0.6%	$99.2M

CSBB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$19.5M+24.5%	$15.7M+0.3%	$15.6M+8.6%	$14.4M-4.2%	$15.0M+6.0%	$14.2M
Capital Expenditures	$412K-79.0%	$2.0M+362.3%	$424K+15.8%	$366K-81.6%	$2.0M-0.1%	$2.0M
Free Cash Flow	$19.1M+39.2%	$13.7M-9.8%	$15.2M+8.4%	$14.0M+7.7%	$13.0M+6.9%	$12.2M
Investing Cash Flow	-$76.9M-851.7%	-$8.1M+79.4%	-$39.1M+78.7%	-$183.5M-216.4%	-$58.0M+57.4%	-$136.1M
Financing Cash Flow	$83.2M+4406.6%	$1.8M+59.4%	$1.2M-90.2%	$11.8M-88.7%	$105.0M-47.9%	$201.6M
Dividends Paid	$4.3M+2.8%	$4.2M+4.8%	$4.0M+13.8%	$3.5M+5.9%	$3.3M+7.5%	$3.1M
Share Buybacks	$999K+31.1%	$762K-46.5%	$1.4M+267.3%	$388K-58.7%	$939K	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$6.2M+7.4%	$5.8M+28.7%	$4.5M+46.8%	$3.1M-54.6%	$6.7M+128.6%	$2.9M-45.4%	$5.4M+798.2%	$600K
Capital Expenditures	$63K-50.8%	$128K+0.8%	$127K+35.1%	$94K-59.5%	$232K-66.8%	$699K-18.2%	$855K+391.4%	$174K
Free Cash Flow	$6.1M+8.7%	$5.6M+29.5%	$4.4M+47.1%	$3.0M-54.5%	$6.5M+189.4%	$2.2M-50.5%	$4.5M+964.3%	$426K
Investing Cash Flow	-$28.8M-19.9%	-$24.0M-97.7%	-$12.2M-2.7%	-$11.8M-44.1%	-$8.2M-2478.1%	-$319K-141.9%	$761K+356.2%	-$297K
Financing Cash Flow	$41.1M+983.0%	$3.8M-73.8%	$14.5M-39.1%	$23.8M+215.2%	-$20.6M-156.1%	$36.8M+246.1%	$10.6M+142.6%	-$25.0M
Dividends Paid	$1.1M+2.1%	$1.1M-0.2%	$1.1M+2.4%	$1.1M-0.4%	$1.1M-0.3%	$1.1M+2.3%	$1.0M+0.1%	$1.0M
Share Buybacks	$273K-5.9%	$290K+168.5%	$108K-67.1%	$328K-10.1%	$365K+112.2%	$172K+514.3%	$28K-85.8%	$197K

CSBB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.4%+4.0pp	19.4%-12.7pp	32.1%-6.2pp	38.2%+1.5pp	36.7%+2.7pp	34.0%
Return on Equity	10.6%+1.9pp	8.7%-4.9pp	13.7%-0.2pp	13.9%+2.7pp	11.1%-0.1pp	11.3%
Return on Assets	1.0%+0.2pp	0.8%-0.4pp	1.3%+0.1pp	1.1%+0.2pp	0.9%-0.1pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.010.0	0.010.0	0.02-11.1	11.08+0.3	10.76+0.8	9.99
FCF Margin	33.5%+6.9pp	26.6%-6.5pp	33.0%-7.3pp	40.3%-3.8pp	44.1%+4.9pp	39.2%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	12.4%-15.8pp	28.2%+1.5pp	26.8%-0.5pp	27.2%+9.9pp	17.4%-6.5pp	23.8%+10.9pp	12.9%-10.4pp	23.4%
Return on Equity	1.5%-1.8pp	3.3%+0.3pp	3.1%0.0pp	3.1%+1.0pp	2.0%-0.7pp	2.7%+1.3pp	1.5%-1.2pp	2.7%
Return on Assets	0.1%-0.2pp	0.3%+0.0pp	0.3%0.0pp	0.3%+0.1pp	0.2%-0.1pp	0.3%+0.1pp	0.1%-0.1pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.01-9.0	8.97-0.2	9.17-0.1	9.30+9.3	0.01-9.5	9.51-0.1	9.58+0.0	9.55
FCF Margin	40.6%+2.2pp	38.3%+7.1pp	31.3%+9.0pp	22.3%-26.4pp	48.7%+31.6pp	17.0%-19.2pp	36.3%+32.9pp	3.4%

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Frequently Asked Questions

What is Csb Bancorp Inc's annual revenue?

Csb Bancorp Inc (CSBB) reported $57.0M in total revenue for fiscal year 2025. This represents a 10.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Csb Bancorp Inc's revenue growing?

Csb Bancorp Inc (CSBB) revenue grew by 10.5% year-over-year, from $51.6M to $57.0M in fiscal year 2025.

Is Csb Bancorp Inc profitable?

Yes, Csb Bancorp Inc (CSBB) reported a net income of $13.4M in fiscal year 2025, with a net profit margin of 23.4%.

How much debt does Csb Bancorp Inc have?

As of fiscal year 2025, Csb Bancorp Inc (CSBB) had $99.3M in cash and equivalents against $917K in long-term debt.

What is Csb Bancorp Inc's net profit margin?

Csb Bancorp Inc (CSBB) had a net profit margin of 23.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Csb Bancorp Inc pay dividends?

Yes, Csb Bancorp Inc (CSBB) paid $1.64 per share in dividends during fiscal year 2025.

What is Csb Bancorp Inc's return on equity (ROE)?

Csb Bancorp Inc (CSBB) has a return on equity of 10.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Csb Bancorp Inc's free cash flow?

Csb Bancorp Inc (CSBB) generated $19.1M in free cash flow during fiscal year 2025. This represents a 39.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Csb Bancorp Inc's operating cash flow?

Csb Bancorp Inc (CSBB) generated $19.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Csb Bancorp Inc's total assets?

Csb Bancorp Inc (CSBB) had $1.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Csb Bancorp Inc's capital expenditures?

Csb Bancorp Inc (CSBB) invested $412K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Csb Bancorp Inc buy back shares?

Yes, Csb Bancorp Inc (CSBB) spent $999K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Csb Bancorp Inc have outstanding?

Csb Bancorp Inc (CSBB) had 3M shares outstanding as of fiscal year 2025.

What is Csb Bancorp Inc's debt-to-equity ratio?

Csb Bancorp Inc (CSBB) had a debt-to-equity ratio of 0.01 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Csb Bancorp Inc's return on assets (ROA)?

Csb Bancorp Inc (CSBB) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Csb Bancorp Inc's Piotroski F-Score?

Csb Bancorp Inc (CSBB) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Csb Bancorp Inc's earnings high quality?

Csb Bancorp Inc (CSBB) has an earnings quality ratio of 1.46x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Csb Bancorp Inc?

Csb Bancorp Inc (CSBB) scores 71 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.