PSB Holdings (PSBQ)

OTHER OTC:PSBQ

PSBQ

PSB Holdings

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PSB Holdings (PSBQ) Price & Analysis

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PSBQ Stock Chart & Stats

$26.99

-$0.65(-2.48%)

At close: Jan 08 4:00 PM EST

$26.99

-$0.65(-2.48%)

Day’s Range― - ―

52-Week Range$23.05 - $48.00

Previous CloseN/A

Volume3.20K

Average Volume (3M)1.10K

Market Cap

$198.83M

Enterprise Value$319.92M

Total Cash (Recent Filing)$210.23M

Total Debt (Recent Filing)$190.06M

Price to Earnings (P/E)8.1

Beta-0.07

Next Earnings

Jul 27, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield2.51%

Share Statistics

EPS (TTM)2.92

Shares Outstanding4,208,009

10 Day Avg. Volume1,516

30 Day Avg. Volume1,101

Financial Highlights & Ratios

PEG Ratio0.18

Price to Book (P/B)0.80

Price to Sales (P/S)1.25

P/FCF Ratio6.75

Enterprise Value/Market Cap1.61

Enterprise Value/Revenue3.94

Enterprise Value/Gross Profit6.64

Enterprise Value/Ebitda21.55

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

Steady Revenue GrowthSustained revenue expansion through 2023–2025 indicates durable demand for lending and deposit services in core markets. This trend supports continued loan originations and fee income, underpinning top-line stability and enabling multi-quarter planning for branch and product investments.

Improving Profitability And Cash QualityA strong profitability rebound in 2025 combined with free cash flow that closely tracks net income signals higher earnings quality and cash conversion. That durability supports dividend capacity, loan growth funding, and reduces reliance on external financing over the medium term.

Balance Sheet DeleveragingMaterial deleveraging and equity growth in 2025 strengthens capital ratios and funding flexibility. A lower debt load enhances resilience to credit shocks and interest rate shifts, giving management capacity to support targeted lending or absorb losses without immediate capital raises.

Bears Say

Compressed Margins Vs PeakMargins have normalized from the 2021–2022 peak and remain volatile, which can constrain sustainable return on equity. For a regional bank, narrower margins reduce buffer for credit costs and limit reinvestment capacity, making medium-term profitability more sensitive to loan mix and funding costs.

Low Operating Cash Flow CoverageDespite improved free cash flow, persistently low operating cash flow coverage signals muted core cash generation relative to reported earnings. That weak coverage can limit the bank's ability to absorb higher loan losses or fund growth without drawing on capital or external funding sources.

Residual Leverage RiskAlthough leverage improved in 2025, it remains materially above earlier conservative levels. Continued meaningful leverage can magnify downside in stress scenarios, restrict strategic flexibility, and potentially necessitate capital actions if loan performance weakens or regulatory expectations tighten.

PSBQ FAQ

What was PSB Holdings’s price range in the past 12 months?

PSB Holdings lowest stock price was $23.05 and its highest was $48.00 in the past 12 months.

What is PSB Holdings’s market cap?

PSB Holdings’s market cap is $198.83M.

When is PSB Holdings’s upcoming earnings report date?

PSB Holdings’s upcoming earnings report date is Jul 27, 2026 which is in 66 days.

How were PSB Holdings’s earnings last quarter?

PSB Holdings released its earnings results on Apr 27, 2026. The company reported $0.824 earnings per share for the quarter, beating the consensus estimate of N/A by $0.824.

Is PSB Holdings overvalued?

According to Wall Street analysts PSB Holdings’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does PSB Holdings pay dividends?

PSB Holdings pays a Semiannually dividend of $0.34 which represents an annual dividend yield of 2.51%. 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 $0.824 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.973%.

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

Technicals

Fundamentals

Return on Equity

11.46%

Trailing 12-Months

Asset Growth

2.44%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

PSB Holdings

PSB Holdings, Inc. operates as the holding company for Peoples State Bank that provides a range of retail consumer and commercial banking products and services to individuals and businesses. The company offers checking, savings, individual retirement, and money market accounts, as well as certificates of deposit; and certificate of deposit account registry services. It also provides debit, prepaid, and credit cards; fixed and adjustable rate mortgages; guaranteed rural housing, veterans administration, federal housing administration, construction, land, auto, personal, and student loans; home equity line of credit and loans; overdrafts; business lines of credit, equipment financing, healthcare specialty lending, small business administration loans, and business real estate financing; and business acquisition and buy-outs, and cash management services. In addition, the company offers private banking services; e-statements; investment and insurance products; commercial treasury management services; sweeps and zero balance accounts; and online bill pay, fraud protection, automated clearing house, on-site deposit, and merchant services, as well as online and mobile banking services. As of January 28, 2022, it operated ten full-service banking locations in Marathon, Oneida, Vilas, Milwaukee, and Waukesha counties, Wisconsin; and a loan production office in Stevens Point, Wisconsin. The company was founded in 1962 and is headquartered in Wausau, Wisconsin.