Csb Bancorp Inc Financials

CSBB

Source SEC Filings (10-K/10-Q) Updated Sep 30, 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 16 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 75/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Csb Bancorp Inc's revenue grew 12.1% year-over-year to $51.6M, a solid pace of expansion. This earns a growth score of 63/100.

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 26.6% of revenue into free cash flow ($13.7M). This strong cash generation earns a score of 100/100.

Returns

Csb Bancorp Inc's ROE of 8.7% shows moderate profitability relative to equity, earning a score of 35/100. This is down from 13.7% the prior year.

Piotroski F-Score Neutral

6/9

Csb Bancorp Inc passes 6 of 9 financial strength tests. 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.56x

For every $1 of reported earnings, Csb Bancorp Inc generates $1.56 in operating cash flow ($15.7M OCF vs $10.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$51.6M

YoY+12.1%

5Y CAGR+9.7%

10Y CAGR+9.1%

Csb Bancorp Inc generated $51.6M in revenue in fiscal year 2024. This represents an increase of 12.1% from the prior year.

EBITDA

N/A

Free Cash Flow

$13.7M

YoY-9.8%

5Y CAGR+8.2%

10Y CAGR+7.4%

Csb Bancorp Inc generated $13.7M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 9.8% from the prior year.

Net Income

$10.0M

YoY-32.1%

5Y CAGR-0.8%

10Y CAGR+5.5%

Csb Bancorp Inc reported $10.0M in net income in fiscal year 2024. This represents a decrease of 32.1% from the prior year.

EPS (Diluted)

$3.76

YoY-31.8%

10Y CAGR+5.7%

Csb Bancorp Inc earned $3.76 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 31.8% from the prior year.

Cash & Debt

$73.5M

YoY+14.7%

5Y CAGR-6.3%

Csb Bancorp Inc held $73.5M in cash against $1.3M in long-term debt as of fiscal year 2024.

Dividends Per Share

$1.58

YoY+5.3%

5Y CAGR+7.9%

10Y CAGR+7.9%

Csb Bancorp Inc paid $1.58 per share in dividends in fiscal year 2024. This represents an increase of 5.3% from the prior year.

Shares Outstanding

YoY-0.7%

5Y CAGR-0.7%

10Y CAGR-0.3%

Csb Bancorp Inc had 3M shares outstanding in fiscal year 2024. This represents a decrease of 0.7% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

19.4%

YoY-12.7pp

5Y CAGR-12.7pp

10Y CAGR-7.8pp

Csb Bancorp Inc's net profit margin was 19.4% in fiscal year 2024, showing the share of revenue converted to profit. This is down 12.7 percentage points from the prior year.

Return on Equity

8.7%

YoY-4.9pp

5Y CAGR-3.5pp

10Y CAGR-1.5pp

Csb Bancorp Inc's ROE was 8.7% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 4.9 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$762K

YoY-46.5%

Csb Bancorp Inc spent $762K on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 46.5% from the prior year.

Capital Expenditures

$2.0M

YoY+362.3%

5Y CAGR-5.9%

10Y CAGR+16.5%

Csb Bancorp Inc invested $2.0M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 362.3% from the prior year.

CSBB Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$51.6M+12.1%	$46.0M+32.2%	$34.8M+17.9%	$29.5M-4.9%	$31.1M-4.3%	$32.5M
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+49.3%	$9.9M+295.6%	$2.5M+24.1%	$2.0M-30.9%	$2.9M-28.3%	$4.1M
Income Tax	$2.3M-36.0%	$3.6M+12.5%	$3.2M+25.6%	$2.6M+1.5%	$2.5M+1.0%	$2.5M
Net Income	$10.0M-32.1%	$14.8M+10.8%	$13.3M+22.8%	$10.8M+2.5%	$10.6M+1.5%	$10.4M
EPS (Diluted)	$3.76-31.8%	$5.51+12.2%	$4.91+23.7%	$3.97	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q4'23	Q3'24	Q2'24	Q1'24	Q4'22
Revenue	$14.7M+5.6%	$13.9M+4.9%	$13.3M+6.5%	$12.5M+6.4%	$11.7M+4.6%	$11.2M+5.4%	$10.6M+2.0%	$10.4M
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	$3.8M+5.4%	$3.6M-0.5%	$3.6M+15.2%	$3.1M+8.4%	$2.9M+30.5%	$2.2M+32.9%	$1.7M-82.1%	$9.3M
Income Tax	$1.0M+12.8%	$903K+2.8%	$878K-3.7%	$912K+7.3%	$850K-4.9%	$894K-7.9%	$971K+5.4%	$921K
Net Income	$4.2M+11.4%	$3.7M+3.1%	$3.6M-2.2%	$3.7M+6.2%	$3.5M-4.5%	$3.6M-7.4%	$3.9M+4.8%	$3.8M
EPS (Diluted)	$1.57+11.3%	$1.41+2.9%	$1.37-1.4%	$1.39+6.9%	$1.30-4.4%	$1.36-6.8%	$1.46+5.0%	$1.39

CSBB Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$1.2B+1.1%	$1.2B+1.7%	$1.2B+1.3%	$1.1B+10.9%	$1.0B+26.0%	$818.7M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$73.5M+14.7%	$64.1M-25.9%	$86.4M-64.5%	$243.7M+34.1%	$181.7M+78.1%	$102.0M
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	$1.1B+0.6%	$1.1B+0.7%	$1.1B+1.6%	$1.0B+11.6%	$937.8M+27.9%	$733.2M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.3M-27.8%	$1.8M	N/A	N/A	N/A	N/A
Total Equity	$114.8M+6.4%	$107.9M+12.5%	$95.9M-1.4%	$97.3M+3.7%	$93.9M+9.8%	$85.5M
Retained Earnings	$103.1M+6.0%	$97.3M+12.5%	$86.5M+12.8%	$76.7M+10.8%	$69.2M+12.1%	$61.7M

Metric	Q3'25	Q2'25	Q1'25	Q4'23	Q3'24	Q2'24	Q1'24	Q4'22
Total Assets	$1.2B+0.8%	$1.2B+1.6%	$1.2B+3.4%	$1.2B+1.9%	$1.2B0.0%	$1.2B+1.1%	$1.1B-1.4%	$1.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$80.8M-15.2%	$95.3M+7.7%	$88.5M+38.1%	$64.1M+29.7%	$49.4M-18.0%	$60.2M+8.5%	$55.5M-35.8%	$86.4M
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	$1.1B+0.6%	$1.1B+1.5%	$1.1B+2.8%	$1.1B+1.5%	$1.1B-0.1%	$1.1B+1.1%	$1.0B-1.8%	$1.1B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	$1.3M	N/A	N/A	$1.8M	N/A	N/A	N/A	N/A
Total Equity	$125.2M+2.9%	$121.7M+2.8%	$118.3M+9.6%	$107.9M+6.4%	$101.4M+1.3%	$100.1M+1.1%	$99.0M+3.2%	$95.9M
Retained Earnings	$111.4M+2.8%	$108.3M+2.5%	$105.7M+8.6%	$97.3M+2.8%	$94.6M+2.7%	$92.1M+2.9%	$89.5M+3.5%	$86.5M

CSBB Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$15.7M+0.3%	$15.6M+8.6%	$14.4M-4.2%	$15.0M+6.0%	$14.2M+19.1%	$11.9M
Capital Expenditures	$2.0M+362.3%	$424K+15.8%	$366K-81.6%	$2.0M-0.1%	$2.0M-25.0%	$2.7M
Free Cash Flow	$13.7M-9.8%	$15.2M+8.4%	$14.0M+7.7%	$13.0M+6.9%	$12.2M+31.8%	$9.2M
Investing Cash Flow	-$8.1M+79.4%	-$39.1M+78.7%	-$183.5M-216.4%	-$58.0M+57.4%	-$136.1M-372.4%	-$28.8M
Financing Cash Flow	$1.8M+59.4%	$1.2M-90.2%	$11.8M-88.7%	$105.0M-47.9%	$201.6M+174.7%	$73.4M
Dividends Paid	$4.2M+4.8%	$4.0M+13.8%	$3.5M+5.9%	$3.3M+7.5%	$3.1M+4.6%	$3.0M
Share Buybacks	$762K-46.5%	$1.4M+267.3%	$388K-58.7%	$939K	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q4'23	Q3'24	Q2'24	Q1'24	Q4'22
Operating Cash Flow	$5.8M+28.7%	$4.5M+46.8%	$3.1M-59.5%	$7.5M+300.3%	$1.9M-44.7%	$3.4M+22.5%	$2.8M-49.4%	$5.5M
Capital Expenditures	$128K+0.8%	$127K+35.1%	$94K-19.0%	$116K+56.8%	$74K-63.9%	$205K+606.9%	$29K-80.5%	$149K
Free Cash Flow	$5.6M+29.5%	$4.4M+47.1%	$3.0M-60.2%	$7.4M+310.3%	$1.8M-43.5%	$3.2M+16.3%	$2.8M-48.5%	$5.3M
Investing Cash Flow	-$24.0M-97.7%	-$12.2M-2.7%	-$11.8M-90.5%	-$6.2M+37.2%	-$9.9M+1.0%	-$10.0M+23.0%	-$13.0M+28.1%	-$18.1M
Financing Cash Flow	$3.8M-73.8%	$14.5M-39.1%	$23.8M+78.2%	$13.3M+577.2%	-$2.8M-124.7%	$11.3M+154.6%	-$20.7M-142.9%	-$8.5M
Dividends Paid	$1.1M-0.2%	$1.1M+2.4%	$1.1M+4.2%	$1.0M-0.2%	$1.0M-0.3%	$1.0M+5.7%	$964K+1.8%	$947K
Share Buybacks	$290K+168.5%	$108K-67.1%	$328K+543.1%	$51K-85.2%	$344K+3027.3%	$11K-98.9%	$1.0M	$0

CSBB Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
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	19.4%-12.7pp	32.1%-6.2pp	38.2%+1.5pp	36.7%+2.7pp	34.0%+1.9pp	32.1%
Return on Equity	8.7%-4.9pp	13.7%-0.2pp	13.9%+2.7pp	11.1%-0.1pp	11.3%-0.9pp	12.2%
Return on Assets	0.8%-0.4pp	1.3%+0.1pp	1.1%+0.2pp	0.9%-0.1pp	1.0%-0.2pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	0.010.0	0.02-11.1	11.08+0.3	10.76+0.8	9.99+1.4	8.58
FCF Margin	26.6%-6.5pp	33.0%-7.3pp	40.3%-3.8pp	44.1%+4.9pp	39.2%+10.7pp	28.5%

Metric	Q3'25	Q2'25	Q1'25	Q4'23	Q3'24	Q2'24	Q1'24	Q4'22
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	28.2%+1.5pp	26.8%-0.5pp	27.2%-2.4pp	29.6%-0.1pp	29.7%-2.8pp	32.5%-4.5pp	37.0%+1.0pp	36.0%
Return on Equity	3.3%+0.3pp	3.1%0.0pp	3.1%-0.4pp	3.4%0.0pp	3.4%-0.2pp	3.6%-0.3pp	4.0%+0.1pp	3.9%
Return on Assets	0.3%+0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%-0.0pp	0.3%-0.0pp	0.3%+0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.97-0.2	9.17-0.1	9.30+9.3	0.02-10.4	10.41-0.1	10.550.0	10.55-0.5	11.08
FCF Margin	38.3%+7.1pp	31.3%+9.0pp	22.3%-37.3pp	59.6%+44.1pp	15.4%-13.2pp	28.6%+2.7pp	25.9%-25.4pp	51.3%

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Frequently Asked Questions

What is Csb Bancorp Inc's annual revenue?

Csb Bancorp Inc (CSBB) reported $51.6M in total revenue for fiscal year 2024. This represents a 12.1% 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 12.1% year-over-year, from $46.0M to $51.6M in fiscal year 2024.

Is Csb Bancorp Inc profitable?

Yes, Csb Bancorp Inc (CSBB) reported a net income of $10.0M in fiscal year 2024, with a net profit margin of 19.4%.

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

Csb Bancorp Inc (CSBB) reported diluted earnings per share of $3.76 for fiscal year 2024. This represents a -31.8% 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.

How much debt does Csb Bancorp Inc have?

As of fiscal year 2024, Csb Bancorp Inc (CSBB) had $73.5M in cash and equivalents against $1.3M in long-term debt.

What is Csb Bancorp Inc's net profit margin?

Csb Bancorp Inc (CSBB) had a net profit margin of 19.4% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Csb Bancorp Inc pay dividends?

Yes, Csb Bancorp Inc (CSBB) paid $1.58 per share in dividends during fiscal year 2024.

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

Csb Bancorp Inc (CSBB) has a return on equity of 8.7% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Csb Bancorp Inc's free cash flow?

Csb Bancorp Inc (CSBB) generated $13.7M in free cash flow during fiscal year 2024. This represents a -9.8% 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 $15.7M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Csb Bancorp Inc's total assets?

Csb Bancorp Inc (CSBB) had $1.2B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Csb Bancorp Inc's capital expenditures?

Csb Bancorp Inc (CSBB) invested $2.0M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Csb Bancorp Inc buy back shares?

Yes, Csb Bancorp Inc (CSBB) spent $762K on share buybacks during fiscal year 2024, 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 2024.

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 2024, 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 0.8% for fiscal year 2024, 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 6 out of 9, indicating neutral 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 1.56x, 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 75 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.