Computer Services, Inc. (CSVI) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Computer Services, Inc. (CSVI) trades at $57.98. Computer Services, Inc. (CSVI) delivers technology solutions for financial institutions and corporate entities. Their offerings include core processing, digital banking, and regulatory compliance solutions. Sector: Technology.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for CSVI: CSVI does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CSVI against Technology peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on CSVI.
How is this calculated? →Computer Services, Inc. (CSVI) Technology Profile & Competitive Position
Computer Services, Inc. (CSVI) provides technology and processing solutions primarily for community and regional banks, offering core processing, digital banking, and compliance services. With a high gross margin and focus on the financial sector, CSVI occupies a niche market within the broader IT services landscape, emphasizing secure and compliant solutions.
What Is the Investment Thesis for CSVI?
Computer Services, Inc. presents a focused investment opportunity within the financial technology sector. The company's high gross margin of 100.0% indicates strong pricing power and efficient service delivery. With a P/E ratio of 25.89 and a profit margin of 19.5%, CSVI demonstrates profitability and financial stability. Ongoing demand for secure and compliant banking solutions, driven by increasing regulatory complexity and cybersecurity threats, should bolster CSVI's revenue. Key catalysts include expansion of digital banking services and strategic partnerships with financial institutions. Potential risks include competition from larger IT service providers and the impact of economic downturns on the financial sector.
Based on FMP financials and quantitative analysis
CSVI Key Highlights
Gross Margin of 100.0% indicates efficient service delivery and strong pricing power.
- P/E ratio of 25.89 reflects investor confidence in the company's earnings potential.
- Profit Margin of 19.5% demonstrates strong profitability.
- Beta of 0.20 suggests low volatility compared to the overall market.
- Focus on providing services to community and regional banks creates a niche market.
Who Are CSVI's Competitors?
CSVI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CRAYF Crayon Group Holding ASA | $13.85 | -4.94% | $1.24B | 52 |
| CSIOF Casio Computer Co.,Ltd. | $11.74 | +0.00% | $2.60B | 46 |
| DRKTF Darktrace plc | $3.00 | -60.58% | $1.92B | 62 |
| ESKEF Esker S.A. | $280.35 | +0.00% | $1.67B | 47 |
| FUJXF Fujimi Incorporated | $11.61 | +0.00% | $861M | 55 |
| IBM International Business Machines Corporation | $234.74 | -1.02% | $221B | 60 |
| ACN Accenture plc | $181.35 | -0.99% | $111B | 80 |
| CTSH Cognizant Technology Solutions Corporation | $60.92 | -0.02% | $27.4B | 85 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CSVI's Key Strengths?
Strong focus on the financial services industry.
- Comprehensive suite of integrated solutions.
- High gross margin.
- Long-standing relationships with community and regional banks.
What Are CSVI's Weaknesses?
Limited geographic diversification.
- Dependence on the financial services industry.
- Smaller size compared to larger IT service providers.
- OTC market listing may limit investor access.
What Could Drive CSVI Stock Higher?
Expansion of digital banking services to attract new customers and increase revenue.
- Strategic partnerships with financial institutions to expand market reach.
- Growth in demand for cybersecurity solutions in the financial sector.
- Adoption of cloud-based managed services by financial institutions.
- Increasing complexity of financial regulations driving demand for compliance solutions.
What Are the Key Risks for CSVI?
Competition from larger IT service providers with greater resources.
- Economic downturns impacting the financial sector and reducing demand for CSVI's services.
- Rapid technological advancements rendering CSVI's solutions obsolete.
- Increasing regulatory complexity and compliance costs.
- Risks associated with trading on the OTC market, including limited liquidity and disclosure.
What Are the Growth Opportunities for CSVI?
- Expansion of Digital Banking Services: CSVI can capitalize on the growing demand for digital banking solutions by expanding its mobile and Internet banking offerings. The global digital banking market is projected to reach $1.2 trillion by 2027, presenting a significant growth opportunity. Timeline: Ongoing.
- Strategic Partnerships with Financial Institutions: Forming strategic partnerships with community and regional banks can drive revenue growth and expand CSVI's market reach. These partnerships can provide access to new customers and enable the company to offer a broader range of services. Timeline: Ongoing.
- Cybersecurity Solutions: The increasing threat of cyberattacks in the financial sector creates a demand for cybersecurity solutions. CSVI can leverage its expertise in regulatory compliance to offer cybersecurity risk assessment and network management services. The global cybersecurity market is expected to reach $300 billion by 2027. Timeline: Ongoing.
- Cloud-Based Managed Services: Offering cloud-based managed services can provide financial institutions with cost-effective and scalable IT solutions. The adoption of cloud computing in the financial sector is increasing, driven by the need for greater agility and efficiency. Timeline: Ongoing.
- Regulatory Compliance Solutions: The increasing complexity of financial regulations creates a demand for compliance software and services. CSVI can leverage its expertise in regulatory compliance to offer solutions for anti-money laundering, anti-terrorism financing, and fraud prevention. The global regulatory compliance market is expected to reach $117 billion by 2028. Timeline: Ongoing.
What Are CSVI's Competitive Advantages?
- Specialization in serving community and regional banks.
- Strong relationships with existing clients.
- Expertise in regulatory compliance.
- Integrated suite of technology solutions.
What Does CSVI Do?
Computer Services, Inc. (CSVI) was founded in 1965 and has evolved into a provider of comprehensive technology solutions for financial institutions and corporate entities. The company's core offerings include core processing, digital banking, managed services, payments processing, print and electronic distribution, and regulatory compliance solutions. These services are designed to enable financial institutions to operate efficiently, securely, and in compliance with complex regulations. CSVI's integrated banking solutions encompass mobile and Internet banking, check imaging, cash management, branch and merchant capture, and electronic document distribution. Over the years, CSVI has expanded its services to include cybersecurity risk assessment, network management, and cloud-based managed services, reflecting the increasing importance of these areas in the financial industry. The company serves a diverse range of clients, including community and regional banks, multi-bank holding companies, technology, logistics, and insurance organizations, as well as various other business enterprises. Headquartered in Paducah, Kentucky, CSVI operates primarily in the United States, focusing on delivering tailored solutions to meet the specific needs of its clients in the financial sector and beyond. The company's commitment to innovation and customer service has solidified its position as a trusted partner for organizations seeking reliable and secure technology solutions.
What Products and Services Does CSVI Offer?
- Provides core processing solutions for financial institutions.
- Offers digital banking services, including mobile and Internet banking.
- Delivers managed services to financial and corporate clients.
- Provides payments processing solutions.
- Offers print and electronic distribution services.
- Provides regulatory compliance solutions to financial institutions.
- Offers cybersecurity risk assessment and network management services.
How Does CSVI Make Money?
- Provides software licensing and installation services.
- Offers processing, maintenance, and support services.
- Generates revenue through recurring subscription fees for its software and services.
- Sells equipment and supplies related to its technology solutions.
What Industry Does CSVI Operate In?
Computer Services, Inc. operates in the information technology services industry, which is characterized by rapid technological advancements and increasing demand for digital solutions. The financial technology (FinTech) sector is experiencing significant growth, driven by the need for secure and efficient banking services. CSVI's focus on providing core processing, digital banking, and regulatory compliance solutions positions it within this expanding market. Competitors include companies like CRAYF (Crayfish Company), CSIOF (CSI Solutions), DRKTF (Darktrace), ESKEF (Eske Corporation), and FUJXF (Fujifilm), each offering various IT solutions. CSVI differentiates itself through its specialization in serving community and regional banks.
Who Are CSVI's Key Customers?
- Community and regional banks.
- Multi-bank holding companies.
- Technology organizations.
- Logistics companies.
- Insurance organizations.
Key Financial Metrics
Return on equity for Computer Services, Inc. stands at 24.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 14.2%, showing how much profit it generates from its asset base. CSVI trades at a trailing price-to-earnings ratio of 25.89, below the Technology sector average of ~34x. A current ratio of 1.42 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 3.9%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
Computer Services, Inc. operates in the Information Technology Services industry within the Technology sector. It is headquartered in Paducah, US. The company is led by CEO David Culbertson. CSVI has traded publicly since 2001.
CSVI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong focus on the financial services industry.
- Comprehensive suite of integrated solutions.
- High gross margin.
- Long-standing relationships with community and regional banks.
Bear Case
- Limited geographic diversification.
- Dependence on the financial services industry.
- Smaller size compared to larger IT service providers.
- OTC market listing may limit investor access.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
CSVI Latest News
No recent news available for CSVI.
CSVI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CSVI.
Price Targets
Wall Street price target analysis for CSVI.
CSVI MoonshotScore
What does this score mean?
The MoonshotScore rates CSVI 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: David Culbertson
CEO
David Culbertson serves as the CEO of Computer Services, Inc. (CSVI), leading a team of 1215 employees. Information on his specific educational background and early career history is not available in the provided data. As CEO, he is responsible for the overall strategic direction and operational performance of the company, guiding its efforts in providing technology solutions to financial institutions and corporate entities.
Track Record: Specific achievements and milestones under David Culbertson's leadership are not detailed in the provided data. However, as CEO, he is responsible for driving the company's growth and maintaining its position as a trusted provider of technology solutions in the financial sector.
CSVI OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Computer Services, Inc. may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure and may not be subject to the same regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries higher risks due to the potential for limited information and liquidity.
- OTC Tier: OTC Other
- Limited financial disclosure.
- Lower trading volume and liquidity.
- Wider bid-ask spreads.
- Potential for price volatility.
- Less regulatory oversight compared to major exchanges.
- Verify the company's financial statements and disclosures.
- Assess the company's management team and track record.
- Evaluate the company's business model and competitive landscape.
- Review the company's legal and regulatory filings.
- Analyze the company's capital structure and debt levels.
- Monitor trading volume and price volatility.
- Understand the risks associated with investing in OTC stocks.
- Long operating history since 1965.
- Focus on providing services to regulated financial institutions.
- Positive profit margin and gross margin.
- Significant number of employees (1215).
- Headquarters located in the United States.
Computer Services, Inc. Technology Stock: Key Questions Answered
What does Computer Services, Inc. do?
Computer Services, Inc. (CSVI) provides technology solutions to financial institutions and corporate entities. Their services include core processing, digital banking, managed services, payments processing, and regulatory compliance solutions. CSVI focuses on providing integrated banking solutions, including mobile and Internet banking, check imaging, and cash management. The company serves community and regional banks, multi-bank holding companies, and other business enterprises, offering tailored solutions to meet their specific needs.
What are the main risks for CSVI?
The main risks for CSVI include competition from larger IT service providers, economic downturns impacting the financial sector, rapid technological advancements, and increasing regulatory complexity. As an OTC-listed company, CSVI also faces risks associated with limited liquidity and disclosure. Investors should carefully consider these risks before investing in CSVI.
How exposed is Computer Services, Inc. to technology disruption risks?
Computer Services, Inc. faces exposure to technology disruption risks, particularly from emerging technologies and platform shifts within the financial services industry. The company's ability to adapt to new technologies, such as blockchain, AI, and cloud computing, will be critical to its long-term success.
How does Computer Services, Inc. generate revenue from its technology products?
Computer Services, Inc. generates revenue from its technology products through a combination of software licensing, subscription fees, and service contracts. The company's core processing and digital banking solutions generate recurring revenue through subscription models. CSVI also generates revenue from professional services, such as installation, maintenance, and support. The company's revenue mix includes both recurring and non-recurring components, with a focus on building long-term relationships with its clients.
What are the key factors to evaluate for CSVI?
Evaluate CSVI on fundamentals, analyst consensus, and risk factors. Computer Services, Inc. presents a focused investment opportunity within the financial technology sector. Not financial advice.
How frequently does CSVI data refresh on this page?
CSVI's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CSVI's recent stock price performance?
Computer Services, Inc. (CSVI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong focus on the financial services industry. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CSVI overvalued or undervalued right now?
Computer Services, Inc. (CSVI) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis is pending for CSVI.
- Limited information available on CEO's background and track record.
- OTC market listing carries additional risks.