OTCPK:CCSB

Stock Analysis Report

Community Savings Bancorp

Executive Summary

Community Savings Bancorp, Inc. operates as the bank holding company for Community Savings that provides various banking products and services in Caldwell, Ohio.

Snowflake

Fundamentals

Excellent balance sheet and overvalued.

Risks

  • Community Savings Bancorp is not covered by any analysts.

Share Price & News

How has Community Savings Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

4.8%

OTCPK:CCSB

-0.3%

US Mortgage

-1.0%

US Market


1 Year Return

n/a

OTCPK:CCSB

-0.7%

US Mortgage

-0.4%

US Market

No trading data on CCSB.

No trading data on CCSB.


Share holder returns

CCSBIndustryMarket
7 Day4.8%-0.3%-1.0%
30 Day5.1%-2.0%-3.3%
90 Day-1.8%-1.0%0.8%
1 Yearn/a1.3%-0.7%1.9%-0.4%
3 Yearn/a33.4%24.5%39.4%30.4%
5 Yearn/a57.5%41.1%54.2%37.1%

Price Volatility Vs. Market

How volatile is Community Savings Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Community Savings Bancorp undervalued based on future cash flows and its price relative to the stock market?

0.66x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Community Savings Bancorp to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Community Savings Bancorp to establish if it is available at substantial discount.


Price Based on Earnings

Community Savings Bancorp is loss making, we can't compare its value to the US Mortgage industry average.

Community Savings Bancorp is loss making, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Community Savings Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Community Savings Bancorp is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is Community Savings Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

9.3%

Forecasted Mortgage industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Community Savings Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Community Savings Bancorp performed over the past 5 years?

-60.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Community Savings Bancorp does not make a profit and their year on year earnings growth rate was negative over the past 5 years.

Unable to compare Community Savings Bancorp's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Community Savings Bancorp's 1-year growth to the US Mortgage industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Community Savings Bancorp has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if Community Savings Bancorp has efficiently used its assets last year compared to the US Mortgage industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if Community Savings Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is Community Savings Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Community Savings Bancorp has an acceptable proportion of non-loan assets held.

Community Savings Bancorp has a low allowance for bad loans.

Community Savings Bancorp's liabilities are made up of primarily low risk sources of funding.

Community Savings Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Community Savings Bancorp are broadly funded by customer deposits.

Community Savings Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Community Savings Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Community Savings Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Community Savings Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Community Savings Bancorp has not reported any payouts.

Unable to verify if Community Savings Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Community Savings Bancorp has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Community Savings Bancorp's salary, the management and board of directors tenure and is there insider trading?

7.6yrs

Average board tenure


CEO

Alvin Parmiter (49yo)

3.0yrs

Tenure

US$143,092

Compensation

Mr. Alvin Barry Parmiter has been Chief Executive Officer and President at Community Savings Bancorp, Inc. since August 2016 and also has been its Director since 1998. Mr. Parmiter has been Chief Executive ...


CEO Compensation Analysis

Alvin's remuneration is lower than average for companies of similar size in United States of America.

Alvin's compensation has been consistent with company performance over the past year, both up more than 20%.


Board Age and Tenure

7.6yrs

Average Tenure

56yo

Average Age

The tenure for the Community Savings Bancorp board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Alvin Parmiter (49yo)

    President

    • Tenure: 3.0yrs
    • Compensation: $143.09k
  • Dominic Crock (43yo)

    Corporate Secretary & Director

    • Compensation: $9.60k
  • Sherman Crum

    Controller

    • Tenure: 3.6yrs

Board Members

  • Alvin Parmiter (49yo)

    President

    • Tenure: 21.6yrs
    • Compensation: $143.09k
  • Michael Schott (67yo)

    Chairman of the Board

    • Tenure: 3.0yrs
    • Compensation: $9.60k
  • Brian Shanahan (59yo)

    Director

    • Tenure: 11.6yrs
    • Compensation: $9.60k
  • Dominic Crock (43yo)

    Corporate Secretary & Director

    • Tenure: 7.6yrs
    • Compensation: $9.60k
  • Scott Wright (56yo)

    Director

    • Tenure: 6.6yrs
    • Compensation: $9.60k

Company Information

Community Savings Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Community Savings Bancorp, Inc.
  • Ticker: CCSB
  • Exchange: OTCPK
  • Founded: 1885
  • Industry: thrifts and mortgage finance
  • Sector: banks
  • Market Cap: US$5.094m
  • Shares outstanding: 377.33k
  • Website: Click here

Number of Employees


Location

  • Community Savings Bancorp, Inc.
  • 425 Main Street
  • Caldwell
  • Ohio
  • 43724
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CCSBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 2017

Biography

Community Savings Bancorp, Inc. operates as the bank holding company for Community Savings that provides various banking products and services in Caldwell, Ohio. The company offers various deposit accounts ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 00:48
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2019/06/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.