CSB Bancorp

CSBB

Banks - Regional · Financial Services

Price

$73.50

-0.98 (-1.32%)

Market Cap

$193.1M

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Good

Valuation

Good

Dividends

Good

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Share count falling — buybacks

−3.4% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 2.7M (2021) → 2.6M (2025)

Winston Score History

The full picture

CSB Bancorp is a small community bank holding company based in Millersburg, Ohio. It operates through its subsidiary, The Commercial and Savings Bank, which offers everyday banking services like checking and savings accounts, loans, and mortgages. Its main customers are individuals, families, and small businesses in rural northeastern Ohio.

The company makes money primarily from the difference between the interest it charges on loans and the interest it pays on deposits, known as net interest income. It operates a small network of branches concentrated in Holmes, Tuscarawas, and Wayne counties in Ohio, keeping it tightly focused on a specific regional market. As a community bank, its local relationships and knowledge of the area give it an edge over larger national banks, but its small size and geographic concentration mean it is vulnerable to any economic slowdown in that specific region of Ohio.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+12.1% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+27.7% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

7.8%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$1.2B cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

CSB Bancorp is a rare growth stock that's already generating positive cash flow while growing at 12%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+12.7%

Fast-growing sales (+12.7% YoY)

Profit growth

EPS YoY

+19.3%

Earnings growing fast (+19.3% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

12.8x

Attractive valuation — P/E 12.8

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

2.31%

Moderate income — 2.31% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

+5.0%

Dividend growing modestly (5.0% YoY)

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