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CSBB CSB Bancorp

CSB Bancorp, Inc. operates as a bank holding company, which engages in the provision of commercial banking services. It offers checking and savings accounts, time deposits, cash management, safe deposit facilities, personal and commercial loans, mortgages, installments, and brokerage activities. The company was founded in 1991 and is headquartered in Millersburg, OH.

Company profile

Ticker
CSBB, CSBB
Exchange
Website
CEO
Eddie L. Steiner
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
SEC CIK
IRS number
341687530

CSBB stock data

(
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Calendar

16 Mar 21
11 Apr 21
31 Dec 21
Quarter (USD)
Dec 20 Sep 20 Jun 20 Mar 20
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD)
Dec 20 Dec 19 Dec 18 Dec 17
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Financial data from CSB Bancorp earnings reports.

Cash burn rate (estimated) Burn method: Change in cash Burn method: Operating income/loss Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 181.65M 181.65M 181.65M 181.65M 181.65M 181.65M
Cash burn (monthly) 5.5M (positive/no burn) (positive/no burn) (positive/no burn) (positive/no burn) (positive/no burn)
Cash used (since last report) 18.55M n/a n/a n/a n/a n/a
Cash remaining 163.11M n/a n/a n/a n/a n/a
Runway (months of cash) 29.7 n/a n/a n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
11 Mar 21 Eddie L Steiner Common Stock Buy Aquire P Yes No 37.5 400 15K 33,377
24 Feb 21 Eddie L Steiner Common Stock Buy Aquire P Yes No 37.74 200 7.55K 32,977
24 Feb 21 Eddie L Steiner Common Stock Buy Aquire P No No 37.74 500 18.87K 8,797.776
14 Dec 20 Eddie L Steiner Common Stock Buy Aquire P Yes No 34.76 340 11.82K 32,777
18 Sep 20 Coblentz Julian L Common Stock Buy Aquire P Yes No 30 1,000 30K 3,952.008
18 Sep 20 Briggs Vikki G Common Stock Buy Aquire P No No 31 500 15.5K 4,191

Data for the last complete 13F reporting period. To see the most recent changes to ownership, click the ownership history button above.

2.6% owned by funds/institutions
13F holders
Current Prev Q Change
Total holders 4 0 NEW
Opened positions 4 0 NEW
Closed positions 0 0
Increased positions 0 0
Reduced positions 0 0
13F shares
Current Prev Q Change
Total value 177.28M 0 NEW
Total shares 70.25K 0 NEW
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners
Shares Value Change
Cutler Capital Management 38.23K $1.34M NEW
Private Trust Co Na 24.08K $842K NEW
John W. Rosenthal Capital Management 5K $175M NEW
Tradition Wealth Management 2.95K $103K NEW
Largest transactions
Shares Bought/sold Change
Cutler Capital Management 38.23K +38.23K NEW
Private Trust Co Na 24.08K +24.08K NEW
John W. Rosenthal Capital Management 5K +5K NEW
Tradition Wealth Management 2.95K +2.95K NEW

Financial report summary

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Risks
  • The COVID-19 pandemic is adversely affecting us and our customers, employees, and third-party service providers, and the adverse impacts on our business, financial position, results of operations, and prospects could be significant.
  • A failure in or breach of the Company’s technology infrastructure, or those of third parties with whom the Company has relationships, could result in a material adverse effect on the Company’s operations, reputation, cash flows, financial condition, and results of operation.
  • Consumers may decide not to use banks to complete their financial transactions.
  • Strong competition within the market in which the Company operates could reduce its ability to attract and retain business.
  • Unauthorized disclosure of sensitive or confidential client or customer information whether through a breach of the Company’s computer systems or otherwise, could severely harm the Company’s business.
  • The Company may not be able to adapt to technological change.
  • The Company may not be able to attract and retain skilled people.
  • The Company’s exposure to credit risk could adversely affect its earnings and financial condition.
  • The Company’s allowance for loan losses may be insufficient.
  • The Company has significant exposure to risks associated with commercial and commercial real estate loans.
  • The Company is subject to liquidity risk.
  • The Company is at risk of increased losses from fraud.
  • The Company may not be able to successfully implement planned growth as part of its business strategy and may incur expenses and risks related to such growth efforts.
  • The Company may need to raise capital in the future, but capital may not be available when needed or at acceptable terms.
  • The Bank may be required to repurchase loans it has sold or indemnify loan purchasers under the terms of the sale agreements, which could adversely affect the Company’s liquidity, results of operations, and financial condition.
  • Difficult market conditions and economic trends could adversely affect the financial services industry and the Company’s business.
  • Changes in interest rates could adversely affect income and financial condition.
  • A transition away from LIBOR as a reference rate for financial contracts could negatively affect the Company’s income and expenses and the value of various financial contracts.
  • A default by another larger financial institution could adversely affect financial markets generally.
  • Legislative, regulatory, or accounting changes or actions could adversely impact the Company or the businesses in which it is engaged.
  • Changes in tax laws could adversely affect the Company’s financial condition and results of operations.
  • Changes in accounting standards, policies, estimates, or procedures could impact the Company’s reported financial condition or results of operations.
  • The Bank’s ability to pay dividends is subject to regulatory limitations which, to the extent the Company requires such dividends in the future, may affect its ability to pay dividends or repurchase its stock.
  • Periodic regulatory reviews may affect the Company’s operations and financial condition.
Content analysis
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Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability
H.S. freshman Bad
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