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PSBQ Stock Chart & Stats
$51.00
-$0.31(-0.61%)
At close: 4:00 PM EDT
$51.00
-$0.31(-0.61%)
Day’s Range― - ―
52-Week Range$23.60 - $54.00
Previous CloseN/A
Volume11.54K
Average Volume (3M)1.10K
Market Cap
$227.23M
Enterprise Value$366.11
Total Cash (Recent Filing)$17.32M
Total Debt (Recent Filing)$171.87M
Price to Earnings (P/E)15.3
Beta0.08
Next Earnings
Jan 27, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.32%
Share Statistics
EPS (TTM)3.47
Shares Outstanding4,208,009
10 Day Avg. Volume1,516
30 Day Avg. Volume1,101
Financial Highlights & Ratios
PEG Ratio0.20
Price to Book (P/B)0.80
Price to Sales (P/S)1.25
P/FCF Ratio6.75
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue GrowthConsistent revenue expansion across 2023–2025 signals durable demand for core lending and deposit services. Steady top-line growth supports reinvestment in operations, sustains net interest income capacity, and provides a base to absorb provisioning or cost pressure over the next several quarters.
Improving Balance SheetMaterial reduction in leverage enhances financial flexibility and resilience: lower debt and a ~1.0 debt/equity posture reduce funding risk, support regulatory metrics, and increase capacity to originate loans or withstand stress without urgent capital actions over the medium term.
Free Cash Flow QualityFree cash flow that closely follows net income indicates strong earnings convertibility to cash, improving ability to fund dividends, repay debt, or invest in technology and branches. Sustained FCF in 2025 suggests durable cash generation that supports strategic choices over coming quarters.
Bears Say
Margins Below PeakMargins remaining below prior peaks points to a structural step-down in profitability that may persist as funding costs, loan mix, or competitive pressures normalize. Until margins recover toward historical highs, ROE and retained earnings growth may be constrained over the medium term.
Low Operating Cash CoveragePersistently low operating cash flow coverage signals that core operations generate modest cash relative to the underlying measure. This weak coverage reduces the bank's buffer for credit deterioration or unexpected outflows and limits internally funded growth or discretionary returns.
Concentrated NII RelianceHeavy reliance on net interest income and traditional banking activities makes the franchise sensitive to interest-rate moves, deposit cost increases, and local loan demand. Limited noninterest diversification increases revenue cyclicality and exposure to structural rate or funding shifts.
PSBQ FAQ
What was PSB Holdings’s price range in the past 12 months?
PSB Holdings lowest stock price was $23.60 and its highest was $54.00 in the past 12 months.
What is PSB Holdings’s market cap?
PSB Holdings’s market cap is $227.23M.
When is PSB Holdings’s upcoming earnings report date?
PSB Holdings’s upcoming earnings report date is Jan 27, 2027 which is in 166 days.
How were PSB Holdings’s earnings last quarter?
PSB Holdings released its earnings results on Jul 27, 2026. The company reported $0.81 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is PSB Holdings overvalued?
According to Wall Street analysts PSB Holdings’s price is currently Overvalued.
Does PSB Holdings pay dividends?
PSB Holdings pays a Quarterly dividend of $0.18 which represents an annual dividend yield of 1.32%. See more information on PSB Holdings dividends here
What is PSB Holdings’s EPS estimate?
PSB Holdings’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does PSB Holdings have?
PSB Holdings has 4,208,009 shares outstanding.
What happened to PSB Holdings’s price movement after its last earnings report?
PSB Holdings reported an EPS of $0.81 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -0.608%.
Which hedge fund is a major shareholder of PSB Holdings?
Currently, no hedge funds are holding shares in PSBQ
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
PSB Holdings Stock Smart Score
Neutral
1
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4
5
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7
8
9
10
Technicals
SMA
Positive
20 days / 200 days
Momentum
1.93%
12-Months-Change
Fundamentals
Return on Equity
1.32%
Trailing 12-Months
Asset Growth
-0.27%
Trailing 12-Months
Company Description
PSB Holdings
PSB Holdings, Inc. functions as the parent entity for Peoples State Bank, offering a comprehensive array of retail consumer and commercial banking products and services to both individual clients and businesses. Its financial solutions include various deposit accounts such as checking, savings, individual retirement accounts, money market accounts, certificates of deposit (CDs), and Certificate of Deposit Account Registry Service (CDARS). The institution also issues debit, prepaid, and credit cards. A wide selection of lending options is available, covering consumer needs like fixed and adjustable-rate mortgages; specialized loans including guaranteed rural housing, Veterans Administration (VA), Federal Housing Administration (FHA), construction, land, auto, personal, and student loans; home equity lines of credit (HELOCs) and traditional home equity loans; and overdraft facilities. For businesses, offerings extend to lines of credit, equipment financing, specialized healthcare lending, Small Business Administration (SBA) loans, commercial real estate financing, and funding for acquisitions and buy-outs, complemented by cash management services. Further provisions include private banking, electronic statements (e-statements), investment and insurance products, commercial treasury management services, sweep accounts, zero balance accounts, online bill payment, fraud protection, Automated Clearing House (ACH) services, on-site deposit solutions, and merchant services, all accessible via online and mobile banking platforms. As of January 28, 2022, Peoples State Bank operated ten full-service branches situated in Marathon, Oneida, Vilas, Milwaukee, and Waukesha counties within Wisconsin, in addition to a loan production office located in Stevens Point, Wisconsin. The company was established in 1962 and maintains its headquarters in Wausau, Wisconsin.
Technical Analysis
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Union Bankshares
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Ownership Overview
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Insiders
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Mutual Funds
3.34% Other Institutional Investors
96.66% Public Companies and
Individual Investors