Stock fact sheet · data as of
CSB Bancorp, Inc. (CSBB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Quality / Blue-Chip
Is CSBB undervalued?
CSB Bancorp, Inc. (CSBB) closed at 75.99 on 16 Oct 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 90.45, so the price sits 16% below it. 5 of the 9 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.
The 9 models disagree widely: Lynch gives 6.12 while Payback Time gives 212.18. 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.
The nightly engine files CSBB under Quality / Blue-Chip: a high moat score and a high health score together.
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 | 90.53 | +19% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 80.69 | +6% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 59.82 | -21% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 6.12 | -92% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 83.47 | +10% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 191.81 | +152% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 212.18 | +179% | 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 | 63.99 | -16% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -437.27 | -675% | 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
On financial health CSBB scores 8/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 8.1 out of 10, built from ten years of revenue, earnings, margins, cash flow, share count and returns on capital scored for consistency - a high reading that points 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 10.8%.
The dividend yield is 2.28% at a payout ratio of 29%; 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 | 8 / 9 | ROIC | 8.4% |
|---|---|---|---|
| GLS Moat | 8.1 / 10 | ROE | 10.6% |
| Debt / equity | 0.26 | ROA | 1.0% |
| Free-cash-flow yield | 10.8% | Payout ratio | 29% |
| Institutions | 1 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 39: 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; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $200M, 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 gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 19 / 25 | 16% margin of safety | |
| Health | 18 / 20 | Piotroski 8/9 | |
| Moat | 12 / 15 | moat 8.1/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $200M cap, beta -0.09 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score 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 |
|---|---|---|---|---|---|
| PSBQ PSB Holdings, Inc. | 49.60 | 49.29 | -1% | 39No options | $199M |
| RBKB Rhinebeck Bancorp, Inc. | 12.86 | 17.14 | +25% | 39No options | $201M |
| CZWI Citizens Community Bancorp, Inc. | 21.11 | 30.34 | +30% | 39No options | $204M |
| CBFV CB Financial Services, Inc. | 38.18 | 33.49 | -14% | 31No options | $194M |
| FCAP First Capital, Inc. | 61.59 | 119.75 | +49% | 39No options | $206M |
| BMBN Benchmark Bankshares, Inc. | 43.33 | 124.21 | +65% | 39No options | $193M |
| LARK Landmark Bancorp, Inc. | 31.55 | 42.44 | +26% | 39No options | $192M |
| TYFG Tri-County Financial Group, Inc. | 80.00 | 93.07 | +14% | 39No options | $191M |
| CBTN Citizens Bancorp Investment, Inc. | 35.20 | 59.47 | +41% | 38No options | $208M |
| SBKO Summit Bank Group, Inc. | 24.50 | 50.31 | +51% | 39No options | $191M |
| INBC InBankshares, Corp | 15.95 | 12.97 | -23% | 26No options | $191M |
| HONT Honat Bancorp, Inc. | 146.40 | 211.38 | +31% | 39No options | $209M |
⚖ 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?
By the GLS models, moderately: at 75.99 the stock trades 16% below the average fair value of 90.45 (data as of 16 Oct 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; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CSBB?
90.45 per share as of 16 Oct 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 16 Oct 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 is capped at 39.