Community Savings Bancorp, Inc. operates as the bank holding company for Community Savings that provides various banking products and services in Caldwell, Ohio.
Adequate balance sheet and overvalued.
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
Stable Share Price: CCSB has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: CCSB exceeded the US Mortgage industry which returned -18% over the past year.
Return vs Market: CCSB underperformed the US Market which returned 16.3% over the past year.
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
Is Community Savings Bancorp undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate CCSB's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate CCSB's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: CCSB is unprofitable, so we can't compare its PE Ratio to the US Mortgage industry average.
PE vs Market: CCSB is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CCSB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CCSB is good value based on its PB Ratio (0.5x) compared to the US Mortgage industry average (0.8x).
How is Community Savings Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks 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.
- Examine Community Savings Bancorp's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Community Savings Bancorp's filings and announcementshere.
- Explore growth companies in the Banks industry.
How has Community Savings Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CCSB is currently unprofitable.
Growing Profit Margin: CCSB is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: CCSB is unprofitable, and losses have increased over the past 5 years at a rate of 49.3% per year.
Accelerating Growth: Unable to compare CCSB's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: CCSB is unprofitable, making it difficult to compare its past year earnings growth to the Mortgage industry (7.1%).
Return on Equity
High ROE: CCSB has a negative Return on Equity (-2.42%), as it is currently unprofitable.
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
Financial Institutions Analysis
Asset Level: CCSB's Assets to Equity ratio (6.7x) is low.
Allowance for Bad Loans: CCSB has a low allowance for bad loans (40%).
Low Risk Liabilities: 93% of CCSB's liabilities are made up of primarily low risk sources of funding.
Loan Level: CCSB has an appropriate level of Loans to Assets ratio (61%).
Low Risk Deposits: CCSB's Loans to Deposits ratio (77%) is appropriate.
Level of Bad Loans: CCSB has a high level of bad loans (2%).
What is Community Savings Bancorp current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CCSB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CCSB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CCSB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CCSB's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CCSB's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Alvin Parmiter (50 yo)
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
Compensation vs Market: Alvin's total compensation ($USD231.93K) is below average for companies of similar size in the US market ($USD593.36K).
Compensation vs Earnings: Alvin's compensation has increased whilst the company is unprofitable.
|Corporate Secretary & Independent Director||8.58yrs||US$25.45k||1.56% |
|Independent Chairman of the Board||4yrs||US$25.45k||3.4% |
|Independent Director||12.58yrs||US$25.45k||1.55% |
|Independent Director||7.58yrs||US$25.45k||3.06% |
Experienced Board: CCSB's board of directors are considered experienced (8.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Community Savings Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Community Savings Bancorp, Inc.
- Ticker: CCSB
- Exchange: OTCPK
- Founded: 1885
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$4.078m
- Shares outstanding: 379.32k
- Website: https://www.mycommunitysavings.com
Number of Employees
- Community Savings Bancorp, Inc.
- 425 Main Street
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CCSB||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Jan 2017|
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
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/10 00:25|
|End of Day Share Price||2020/07/27 00:00|
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.