CSB Bancorp

CSBB

Banks - Regional · Financial Services

Price

$72.50

+0.00 (+0.00%)

Market Cap

$190.5M

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

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)

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.

Winston Score History

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

+14.1% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+22.6% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

7.5%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$18M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

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 14%. 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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Quality

Gross Margin

76.2%

Premium pricing power — 76.2% gross margin

Operating Margin

32.9%

Excellent — 32.9% operating margin

ROCE

3.5%

Weak — 3.5% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+12.3%

Fast-growing sales (12.3% YoY)

EPS YoY

+33.3%

Earnings growing fast (33.3% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

140%

Turns 140% of profit into real cash

FCF Margin

29.2%

Converts sales into free cash efficiently (29.2%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.22

Conservative — low debt load (0.22)

Interest Cover

1.21x

Dangerous — barely covers interest (1.2x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

13.5x

Attractive valuation — P/E 13.5

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

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

2.35%

Moderate income — 2.35% yield

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

Dividend Growth

+5.0%

Dividend growing modestly (5.0% YoY)

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