$110.8 M

CSBB Mkt cap, 04-Oct-2018

$9.2 M

The Commercial & Savings Bank Revenue Q1, 2019
The Commercial & Savings Bank Gross profit (Q1, 2019)8.2 M
The Commercial & Savings Bank Gross profit margin (Q1, 2019), %89.6%
The Commercial & Savings Bank Net income (Q1, 2019)2.5 M
The Commercial & Savings Bank EBIT (Q1, 2019)7 M
The Commercial & Savings Bank Cash, 31-Mar-201944.2 M
The Commercial & Savings Bank EV102.9 M

The Commercial & Savings Bank Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018

Revenue

26.4m27.9m30.8m34.4m

Revenue growth, %

6%

Cost of goods sold

1.6m1.5m2.0m2.9m

Gross profit

24.9m26.5m28.8m31.5m

Gross profit Margin, %

94%95%94%92%

General and administrative expense

1.7m1.7m1.5m1.4m

Operating expense total

10.5m11.0m1.5m1.4m

Depreciation and amortization

125.0k121.0k116.0k101.0k

EBIT

20.4m22.2m24.5m26.8m

EBIT margin, %

77%79%79%78%

Pre tax profit

8.7m9.7m10.3m11.7m

Net Income

5.2m5.9m6.0m6.7m7.1m9.4m

The Commercial & Savings Bank Balance Sheet

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018

Cash

42.6m43.9m38.3m36.8m36.4m45.6m

Inventories

379.1m422.9m475.4m516.8m549.0m

PP&E

8.7m8.3m8.2m8.7m9.2m10.0m

Goodwill

4.7m4.7m4.7m4.7m4.7m4.7m

Total Assets

596.5m621.0m650.3m670.0m707.1m731.7m

Accounts Payable

480.9m525.0m540.8m583.3m606.5m

Short-term debt

48.7m46.6m48.6m48.7m39.5m37.4m

Total Debt

48.7m48.6m48.7m39.5m37.4m

Total Liabilities

544.1m589.0m604.6m636.5m655.2m

Additional Paid-in Capital

10.0m9.9m9.8m9.8m9.8m9.8m

Retained Earnings

30.2m34.1m38.0m42.6m47.5m54.3m

Total Equity

52.4m57.5m61.3m65.4m70.5m76.5m

Debt to Equity Ratio

0.7 x0.6 x

Debt to Assets Ratio

0.1 x0.1 x

Financial Leverage

11.4 x10.8 x10.6 x10.2 x10 x9.6 x

The Commercial & Savings Bank Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018

Net Income

5.2m5.9m6.0m6.7m7.1m9.4m

Depreciation and Amortization

125.0k121.0k

Accounts Receivable

(57.0k)45.0k(184.0k)103.0k(135.0k)(36.0k)

Accounts Payable

(39.0k)(12.0k)(4.0k)(4.0k)14.0k(2.0k)

Cash From Operating Activities

6.9m7.2m7.7m7.0m9.0m12.3m

Cash From Investing Activities

(39.3m)(23.4m)(36.7m)(21.1m)(39.3m)(18.7m)

Short-term Borrowings

4.7m(2.0m)2.0m144.0k(9.3m)(2.1m)

Dividends Paid

(2.0m)(2.0m)(2.1m)(2.1m)(2.3m)(2.7m)

Cash From Financing Activities

8.1m17.6m23.4m12.7m29.9m15.6m

Interest Paid

2.4m1.8m1.6m1.5m2.0m2.9m

Income Taxes Paid

2.3m2.5m2.2m2.7m3.3m2.4m

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019

Net Income

1.5m1.5m1.3m1.5m1.6m1.5m1.6m1.7m1.7m1.9m

Depreciation and Amortization

31.0k31.0k30.0k30.0k30.0k29.0k

Cash From Operating Activities

4.9m997.0k2.3m5.1m3.6m5.3m1.4m4.4m3.0m2.3m4.0m8.1m1.9m

Cash From Investing Activities

(29.6m)(28.0m)(17.5m)(20.2m)(8.3m)(16.2m)2.7m(9.5m)(24.4m)(9.0m)(10.5m)(9.5m)(2.8m)

Short-term Borrowings

2.1m13.1m1.9m42.0k5.1m4.2m189.0k5.3m8.2m(1.1m)4.7m(2.0m)(1.1m)

Dividends Paid

(521.0k)(1.0m)(549.0k)(658.0k)(1.3m)

Cash From Financing Activities

6.4m3.7m8.9m9.3m(332.0k)6.8m(15.0m)6.6m23.4m(8.2m)13.2m(1.8m)(399.0k)

Interest Paid

1.8m446.0k892.0k1.3m792.0k1.2m378.0k389.0k836.0k572.0k1.3m2.0m921.0k

Income Taxes Paid

1.6m300.0k1.2m1.8m755.0k1.4m400.0k2.2m1.1m1.7m

The Commercial & Savings Bank Ratios

USDY, 2019

EV/EBIT

14.7 x

EV/CFO

54.3 x

Financial Leverage

9.3 x

The Commercial & Savings Bank Employee Rating

5.01 votes
Culture & Values
5.0
Work/Life Balance
4.0
Senior Management
5.0
Salary & Benefits
3.0
Career Opportunities
4.0
Source