CSB Bancorp, Inc. (CSBB) Fair Value 2026

CSBB · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.4 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-27, CSB Bancorp, Inc. (CSBB) trades at $75.00, versus a $55.60 median fair value across its 6 active models — 25.9% below the current price. QOC: 8.4/10. Value Trap Risk: 12/100 (SAFE). 6/13 models active.

Key Facts

Ticker
CSBB
Price
$75.00
Quality Score
8.4/10
Value Trap Risk
12/100
Models Active
6/13
Last Updated
Strength: Quality Score of 8.4/10 indicates strong fundamentals
Risk: Majority of models suggest overvaluation

Is CSB Bancorp, Inc. (CSBB) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, CSB Bancorp, Inc. (CSBB) appears overvalued as of : the median of 6 independent fair value estimates is $55.60, 25.9% below the current price of $75.00. Estimates range from $35.53 to $79.64. CSBB scores 8.4/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CSBB’s -25.9% gap is wider than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy CSB Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give CSBB?

6 Intrinsic Value Models vs. Current Price ($75.00)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $56.02 -25.3%
Ensemble · Medium Conviction
 $54.34 -27.5%
Intrinsic · High Conviction
 $35.53 -52.6%
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What Is CSBB's Fair Value Range?

Spread across 6 independent models · $35.53 to $79.64

CirclFi's 6 active models place CSB Bancorp, Inc. (CSBB) between $35.53 and $79.64 per share, a spread of 79% of the median. The median of that range — $55.60 — is the fair value CirclFi publishes for CSBB, against a current price of $75.00.

Low · Markov DDMHigh · ML-RIV
$35.53median $55.60$79.64
Where the range comes from
Most bearish modelMarkov DDM$35.53
Most bullish modelML Residual Income$79.64
Model agreement1 bullish · 5 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on CSBB, not a CirclFi price target. How each model works →

What Is CSB Bancorp, Inc. (CSBB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, CSB Bancorp, Inc.'s intrinsic value is estimated at $55.60. Trading at its current price of $75.00, the valuation engine raises significant caution: 5 of 6 models flag downside risk, projecting a median implied return of -25.9%. The most optimistic model, ML-RIV, places fair value at $79.64 (+6.2%), while Markov DDM — the most conservative — estimates $35.53 (-52.6%). This +58.8% gap reflects genuine analytical uncertainty about CSB Bancorp, Inc.'s intrinsic worth.

What Do the Models Say About CSBB?

6 of 13 models are currently active for CSBB. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for CSBB is $55.60 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CSBB Rank in Banks - Regional?

Among 349 Banks - Regional stocks, CSBB ranks #86 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places CSBB in the top tier.

See all Most Undervalued Banks - Regional Stocks →

CSB Bancorp, Inc.'s positioning within the Banks - Regional segment means that return on tangible equity plays an outsized role in fundamental analysis. The sector's unique characteristics — including digital banking adoption — shape both the opportunity set and risk profile.

Is CSBB a Value Trap?

CirclFi's Value Trap algorithm assigns CSBB a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for CSB Bancorp, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, CSB Bancorp, Inc. earns a quality score of 8.4/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +58.8% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CSBB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CSBB's 6 active models, average confidence is 44%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy CSB Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

ITUBItaú Unibanco Holding S.A.QOC 8.4VABKVirginia National Bankshares CorporationQOC 8.4FSUNFirstSun Capital BancorpQOC 8.4CFRCullen/Frost Bankers, Inc.QOC 8.4HWBKHawthorn Bancshares, Inc.QOC 8.4PBFSPioneer Bancorp, Inc.QOC 8.4WNEBWestern New England Bancorp, Inc.QOC 8.0FNLCThe First Bancorp, Inc.QOC 7.5UNIBUniversity Bancorp, Inc.QOC 4.6ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: ITUB · VABK · FSUN · CFR · HWBK · PBFS · WNEB · FNLC · UNIB · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to CSBB?

6 companies across all industries closest to CSBB’s Quality of Company score of 8.4/10.

GTXGarrett Motion Inc.QOC 8.4ENPHEnphase Energy, Inc.QOC 8.4RYRoyal Bank of CanadaQOC 8.4AWXAvalon Holdings CorporationQOC 8.4MMYTMakeMyTrip LimitedQOC 8.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: GTX · ENPH · RY · AWX · MMYT · NVDA

Where Does CSBB Sit in CirclFi's Banks - Regional Rankings?

CSBB is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About CSB Bancorp, Inc.’s Valuation?

What is CSB Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts CSB Bancorp, Inc. (CSBB)'s intrinsic value at $55.60 — the median of 6 independent model estimates as of 2026-08-27, ranging from $35.53 to $79.64. The Quality of Company score is 8.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CSBB overvalued or undervalued right now?

At $75.00, 1 of 6 active models suggest CSBB may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $55.60, 25.9% below the current price of $75.00 — a consensus view that CSBB is overvalued. The assessment depends on which methodology best fits CSB Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 8.4 mean for CSBB?

CSB Bancorp, Inc.'s QOC of 8.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CSBB?

CirclFi analyzes CSBB with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CSBB?

Of the 6 models currently active on CSBB, ML Residual Income is the most bullish at $79.64 per share, and Markov DDM is the most bearish at $35.53. CirclFi's published fair value for CSBB is the median of that range, $55.60, not either extreme. The gap between the two ends equals 79% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is CSBB a value trap in 2026?

CSB Bancorp, Inc.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, CSB Bancorp, Inc. (CSBB) has a median fair value of $55.60 — 25.9% below the current price of $75.00 — as of 2026-08-27.” Source: circlfi.com/stock/CSBB/ · Methodology
Primary sources for this CSBB valuation
  • Financial statements: CSB Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000880417) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CSBB as of ; valuations recomputed .

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