Stock fact sheet · data as of
CSB Bancorp, Inc. (CSBB): fair value, margin of safety and Wheel Score
Ticker symbol CSBB · Financial Services · Banks - Regional · United States · Blend
Is CSBB undervalued?
CSB Bancorp, Inc. (CSBB) closed at 76.36 on 5 Nov 2026, close to the GLS average fair value of 81.05 (5.8% below fair value). 5 of the 9 models that produced a number sit above the price, 4 below - the market and our models roughly agree. With little margin of safety either way, the case for or against the stock rests on the quality numbers and the option premium rather than on price.
The 9 models disagree widely: Lynch gives 6.45 while Payback Time gives 153.35. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for CSBB, so the nightly engine files it under Blend (value score 53, growth score 56, out of 100).
Nine valuation models for CSBB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 93.54 | +22% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 83.48 | +9% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 63.11 | -17% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 6.45 | -92% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 88.02 | +15% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 148.55 | +95% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 153.35 | +101% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 25.46 | -67% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 67.51 | -12% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -437.27 | -673% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - CSBB passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 8.0 out of 10 - high returns on capital, steady margins and growth that held up through bad years point to a durable business.
Returns on capital are moderate - ROIC 8.4%, ROE 10.6%, ROA 1.0% - with debt at 0.26 times equity and a free-cash-flow yield of 7.8%.
The dividend yield is 2.27% at a payout ratio of 21%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Debit Card 43%, Deposit Account 23%, Fiduciary and Trust 21% (quarter Q2 FY2026).
Institutional ownership scores 1/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 8.4% |
|---|---|---|---|
| GLS Moat | 8.0 / 10 | ROE | 10.6% |
| Debt / equity | 0.26 | ROA | 1.0% |
| Free-cash-flow yield | 7.8% | Payout ratio | 21% |
| Institutions | 1 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 25: No options
CSBB has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (25 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 1k shares a day on a market cap of $201M, with a beta of -0.09 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $201M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 6% below fair value | |
| Premium | Weak | no option data | |
| Moat | Strong | moat 8.0/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta -0.09, $201M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CSBB in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to CSB Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| ECBK ECB Bancorp, Inc. | 22.97 | 57.81 | +60% | 35No options | $201M |
| SBKO Summit Bank Group, Inc. | 25.75 | 51.16 | +50% | 34No options | $201M |
| LARK Landmark Bancorp, Inc. | 32.39 | 46.50 | +30% | 34No options | $198M |
| RBKB Rhinebeck Bancorp, Inc. | 13.03 | 12.40 | -5% | 17No options | $204M |
| MRBK Meridian Corporation | 17.12 | 38.18 | +55% | 30No options | $204M |
| TYFG Tri-County Financial Group, Inc. | 84.00 | 91.66 | +8% | 25No options | $205M |
| INBC InBankshares, Corp | 16.30 | 14.08 | -16% | 18No options | $195M |
| FNWD Finward Bancorp | 44.66 | 71.06 | +37% | 34No options | $193M |
| BMBN Benchmark Bankshares, Inc. | 43.40 | 126.07 | +66% | 37No options | $193M |
| PSBQ PSB Holdings, Inc. | 52.00 | 50.10 | -4% | 21No options | $209M |
| CBFV CB Financial Services, Inc. | 41.20 | 40.65 | -1% | 18No options | $209M |
| FINW FinWise Bancorp | 13.67 | 31.25 | +56% | 33No options | $190M |
⚖ Compare CSBB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CSBB
Is CSBB undervalued right now?
Not meaningfully: at 76.36 the stock trades within a few percent of the GLS average fair value of 81.05 (5.8% below fair value, data as of 5 Nov 2026).
What is the Wheel Score of CSBB and what does it mean?
CSBB has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for CSBB?
81.05 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does CSB Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for CSBB in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does CSBB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CSBB, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.