The Commercial & Savings Bank (CSBB) stock price, revenue, and financials

The Commercial & Savings Bank market cap is $82.3 m, and annual revenue was $5.43 m in FY 2019

$82.3 M

CSBB Mkt cap, 17-Sept-2020

$1.6 M

The Commercial & Savings Bank Revenue Q2, 2020
The Commercial & Savings Bank Net income (Q2, 2020)2.6 M
The Commercial & Savings Bank Cash, 30-Jun-202017.3 M

The Commercial & Savings Bank Income Statement

Annual

USDFY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018FY, 2019

Revenue

3.5m4.2m4.3m4.3m4.4m4.3m4.3m4.8m5.4m

Revenue growth, %

6%

Sales and marketing expense

320.0k392.0k395.0k378.0k419.0k415.0k401.0k508.0k535.0k

Operating expense total

2.1m2.3m2.3m2.3m2.4m2.3m2.5m2.8m3.1m

Depreciation and amortization

914.0k130.0k125.0k121.0k116.0k900.0k63.0k

Interest expense

3.7m3.0m2.3m1.7m1.6m1.5m2.0m2.9m4.1m

Pre tax profit

5.3m6.5m7.5m8.5m8.7m9.7m10.3m11.7m12.9m

Income tax expense

345.0k2.0m2.3m2.6m2.6m3.0m3.2m2.3m2.5m

Net Income

3.7m4.5m5.2m5.9m6.0m6.7m7.1m9.4m10.4m

Quarterly

USDQ2, 2011Q3, 2011Q1, 2012Q2, 2012Q3, 2012Q1, 2013Q2, 2013Q3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019Q3, 2019Q1, 2020Q2, 2020

Revenue

784.0k1.0m948.0k1.0m1.1m1.0m1.1m1.2m953.0k1.2m1.1m1.1m1.2m1.1m992.0k1.1m1.1m1.1m1.1m1.1m1.1m8.5m1.2m1.2m1.3m1.4m1.3m1.6m

Cost of goods sold

692.0k

Gross profit

7.8m

Gross profit Margin, %

92%

Sales and marketing expense

73.0k83.0k73.0k79.0k83.0k79.0k106.0k89.0k108.0k98.0k79.0k76.0k99.0k111.0k85.0k143.0k94.0k78.0k89.0k91.0k120.0k124.0k117.0k139.0k149.0k127.0k65.0k

General and administrative expense

374.0k

Operating expense total

629.0k796.0k621.0k650.0k503.0k515.0k582.0k539.0k561.0k587.0k567.0k563.0k583.0k524.0k558.0k641.0k538.0k547.0k585.0k543.0k643.0k750.0k700.0k705.0k748.0k817.0k801.0k706.0k

Depreciation and amortization

34.0k32.0k33.0k32.0k32.0k31.0k31.0k30.0k30.0k30.0k29.0k29.0k29.0k25.0k25.0k25.0k16.0k16.0k16.0k15.0k15.0k

EBIT

6.7m

EBIT margin, %

78%

Interest expense

906.0k861.0k819.0k754.0k721.0k608.0k581.0k558.0k438.0k439.0k438.0k393.0k393.0k394.0k376.0k367.0k366.0k384.0k463.0k562.0k560.0k771.0k957.0k1.1m1.1m901.0k719.0k

Pre tax profit

1.4m1.4m1.5m1.7m1.8m2.0m1.8m2.0m2.0m2.2m2.2m1.9m2.2m2.2m2.1m2.3m2.4m2.5m2.5m2.7m2.7m2.9m3.0m3.2m3.2m3.3m3.1m3.2m

Income tax expense

669.0k687.0k644.0k705.0k740.0k752.0k751.0k826.0k509.0k582.0k619.0k613.0k649.0k591.0k621.0k

Net Income

972.0k999.0k1.1m1.1m1.2m1.4m1.2m1.4m1.4m1.5m1.5m1.3m1.5m1.6m1.5m1.6m1.7m1.7m1.7m1.9m2.2m2.3m2.4m2.5m2.6m2.7m2.5m2.6m

The Commercial & Savings Bank Balance Sheet

Annual

USDFY, 2011FY, 2012FY, 2013FY, 2014FY, 2015FY, 2016FY, 2017FY, 2018FY, 2019

Cash

82.3m66.9m15.8m15.3m17.3m36.8m17.3m23.2m17.6m

Accounts Receivable

320.1m360.0m374.0m406.5m418.2m511.2m543.1m544.6m

Inventories

475.4m

PP&E

8.5m8.5m8.7m8.3m8.2m8.7m9.2m10.0m12.0m

Goodwill

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

Total Assets

551.2m586.9m596.5m621.0m650.3m670.0m707.1m731.7m818.7m

Accounts Payable

2.0m2.3m2.0m1.9m1.9m540.8m2.4m2.7m4.4m

Short-term debt

37.1m44.0m48.7m

Total Debt

37.1m44.0m48.7m48.6m48.7m39.5m37.4m

Total Liabilities

501.8m534.4m544.1m563.5m589.0m604.6m636.5m655.2m733.2m

Common Stock

18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m

Additional Paid-in Capital

10.0m10.0m10.0m9.9m9.8m9.8m9.8m9.8m9.8m

Retained Earnings

24.4m27.0m30.2m34.1m38.0m42.6m47.5m54.3m61.7m

Total Equity

49.4m52.5m52.4m57.5m61.3m65.4m70.5m76.5m85.5m

Debt to Equity Ratio

0.8 x0.8 x0.9 x0.8 x0.7 x0.6 x0.5 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x

Financial Leverage

11.2 x11.2 x11.4 x10.8 x10.6 x10.2 x10 x9.6 x9.6 x

Quarterly

USDQ2, 2011Q3, 2011Q1, 2012Q2, 2012Q3, 2012Q1, 2013Q2, 2013Q3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019Q3, 2019Q1, 2020Q2, 2020

Cash

33.2m40.9m79.9m67.8m54.7m37.2m37.1m16.7m18.6m21.4m14.6m14.3m15.2m11.9m12.5m16.9m14.4m13.9m15.4m15.6m10.8m15.0m15.9m15.1m15.2m20.7m18.3m17.3m

Accounts Receivable

312.5m309.9m327.1m339.6m348.1m368.6m373.2m372.4m402.7m406.9m404.7m416.4m410.5m408.3m428.4m445.6m458.2m475.3m492.3m504.0m524.8m529.5m529.2m541.9m544.1m559.4m548.2m629.0m

PP&E

7.7m7.7m8.4m8.5m8.4m8.3m8.3m8.6m8.6m8.5m8.4m8.2m8.4m8.3m8.0m8.7m8.6m8.7m8.6m8.9m9.2m9.6m9.6m10.8m11.6m11.6m12.4m12.6m

Goodwill

1.7m1.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m4.7m

Total Assets

449.6m457.8m560.8m566.7m568.8m568.9m571.1m593.9m602.0m608.9m611.0m625.1m623.0m632.4m637.2m649.9m654.4m679.4m696.9m710.8m700.0m723.3m710.8m734.8m750.3m786.8m810.0m965.2m

Accounts Payable

1.8m1.9m2.0m2.7m2.6m2.3m2.4m2.3m2.3m2.2m2.4m2.0m2.1m2.4m2.3m2.3m3.0m4.0m2.3m2.7m3.0m2.7m3.3m3.8m3.4m3.5m4.4m5.5m

Dividends Payable

492.0k

Short-term debt

32.4m32.5m41.7m41.2m43.0m

Total Debt

32.4m32.5m41.7m41.2m43.0m46.0m61.8m50.5m48.7m51.7m50.8m48.8m54.1m51.0m54.0m56.9m45.1m38.4m44.2m37.5m36.3m35.5m35.1m

Total Liabilities

401.0m408.7m510.9m515.5m516.7m516.0m519.7m541.7m548.1m553.7m554.7m566.3m564.0m571.9m574.4m585.5m588.6m612.5m628.2m641.0m628.9m650.7m636.9m655.9m668.8m703.2m722.4m875.2m

Common Stock

18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m18.6m

Additional Paid-in Capital

10.0m10.0m10.0m10.0m10.0m10.0m10.0m10.0m10.0m10.0m9.9m9.9m9.9m9.9m9.8m9.8m9.8m9.8m9.8m9.8m9.8m9.8m9.8m9.8m9.8m9.8m9.8m9.8m

Retained Earnings

23.6m24.1m25.0m25.6m26.3m27.8m28.6m29.5m31.2m32.2m33.2m34.9m35.9m36.9m39.0m40.1m41.2m43.8m45.0m46.3m49.1m50.7m52.5m56.1m58.0m59.9m63.5m65.3m

Total Equity

48.5m49.2m49.9m51.2m52.1m52.8m51.4m52.1m53.9m55.2m56.3m58.8m59.0m60.5m62.8m64.4m65.8m66.9m68.7m69.8m71.0m72.6m73.9m79.0m81.5m83.6m87.6m90.0m

Debt to Equity Ratio

0.7 x0.7 x0.8 x0.8 x0.8 x0.9 x1.1 x0.9 x0.9 x0.9 x0.8 x0.8 x0.8 x0.8 x0.8 x0.8 x0.6 x0.5 x0.6 x0.5 x0.5 x0.4 x0.4 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0 x0 x0 x

Financial Leverage

9.3 x9.3 x11.2 x11.1 x10.9 x10.8 x11.1 x11.4 x11.2 x11 x10.9 x10.6 x10.6 x10.5 x10.1 x10.1 x10 x10.2 x10.1 x10.2 x9.9 x10 x9.6 x9.3 x9.2 x9.4 x9.2 x10.7 x

The Commercial & Savings Bank Cash Flow

Quarterly

USDQ2, 2011Q3, 2011Q1, 2012Q2, 2012Q3, 2012Q1, 2013Q2, 2013Q3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018Q1, 2019Q2, 2019Q3, 2019Q1, 2020Q2, 2020

Net Income

1.9m2.9m1.1m2.2m3.4m1.4m2.6m

Depreciation and Amortization

31.0k46.0k33.0k66.0k103.0k34.0k68.0k

Cash From Operating Activities

2.7m3.9m550.0k1.3m4.4m1.2m3.1m4.9m997.0k2.3m5.1m1.2m3.6m5.3m1.4m3.2m6.2m4.4m3.0m4.8m2.3m4.0m8.1m1.9m4.5m7.6m2.5m7.6m

Purchases of PP&E

(158.0k)(311.0k)(67.0k)(256.0k)(503.0k)(262.0k)(473.0k)(1.1m)(236.0k)(268.0k)(376.0k)(152.0k)(444.0k)(529.0k)(50.0k)(930.0k)(1.1m)(113.0k)(293.0k)(805.0k)(143.0k)(639.0k)(822.0k)(976.0k)(2.0m)(2.1m)(551.0k)(969.0k)

Cash From Investing Activities

(8.1m)(8.7m)(12.1m)(28.3m)(45.3m)(12.5m)(17.7m)(29.6m)(28.0m)(17.5m)(20.2m)(12.1m)(8.3m)(16.2m)2.7m(8.9m)(14.3m)(9.5m)(24.4m)(31.5m)(9.0m)(10.5m)(9.5m)(2.8m)(5.0m)(19.3m)2.6m(76.0m)

Short-term Borrowings

(369.0k)(509.0k)(4.6m)(4.1m)(5.9m)

Long-term Borrowings

(3.4m)(3.6m)(2.2m)(2.3m)(2.4m)

Dividends Paid

(492.0k)(985.0k)(492.0k)(492.0k)(985.0k)(493.0k)(492.0k)(985.0k)(493.0k)(492.0k)(985.0k)(521.0k)(521.0k)(1.0m)(521.0k)(521.0k)(1.0m)(549.0k)(549.0k)(1.1m)(658.0k)(658.0k)(1.3m)(713.0k)(713.0k)(1.4m)(768.0k)(768.0k)

Cash From Financing Activities

(9.7m)(2.7m)9.2m12.6m13.4m(18.4m)(15.3m)6.4m3.7m8.9m9.3m2.6m(332.0k)6.8m(15.0m)(4.4m)(2.5m)6.6m23.4m35.3m(8.2m)13.2m(1.8m)(399.0k)12.2m45.8m(10.8m)140.2m

Net Change in Cash

(15.1m)(7.5m)(2.4m)(14.4m)(27.6m)(29.7m)(29.8m)(18.3m)(23.3m)(6.2m)(5.8m)(8.3m)(5.0m)(4.1m)(10.9m)(10.1m)(10.6m)1.5m2.0m8.5m(14.8m)6.8m(3.2m)(1.3m)11.7m34.0m(5.7m)71.8m

Interest Paid

2.0m2.9m876.0k1.7m2.4m635.0k1.2m1.8m446.0k892.0k1.3m395.0k792.0k1.2m378.0k751.0k1.1m389.0k836.0k1.4m572.0k1.3m2.0m921.0k2.0m3.0m909.0k1.6m

Income Taxes Paid

650.0k1.1m400.0k1.2m230.0k960.0k1.6m300.0k1.2m1.8m755.0k1.4m400.0k1.4m1.9m2.2m2.9m1.1m1.7m1.5m2.1m

The Commercial & Savings Bank Ratios

USDQ2, 2011

Debt/Equity

0.7 x

Debt/Assets

0.1 x

Financial Leverage

9.3 x