PSB Holdings (PSBQ)
OTHER OTC:PSBQ
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PSB Holdings
(OTC:PSBQ)
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Rating:75Outperform
Price Target:
$53.00
â–²(96.37% Upside)
Action:Reiterated
Date:05/21/26
The score is driven primarily by solid financial performance with improving 2025 profitability, strengthening cash generation, and reduced leverage, though profitability volatility versus prior peak years and low operating cash flow coverage cap the rating. Technicals add support via a clear uptrend and positive momentum. Valuation is a meaningful tailwind given the low P/E and modest dividend yield.
Positive Factors
Steady Revenue Growth
Sustained 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.
Negative Factors
Compressed Margins vs Peak
Margins 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady Revenue Growth
Sustained 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.
Read all positive factors
PSB Holdings (PSBQ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$198.83M
Dividend Yield2.51%
Average Volume (3M)1.10K
Price to Earnings (P/E)8.1
Beta (1Y)-0.07
Revenue Growth8.10%
EPS Growth37.19%
CountryUS
Employees143
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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/Revenue3.95
Enterprise Value/Gross Profit6.66
Enterprise Value/Ebitda21.61
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
PSB Holdings Business Overview & Revenue Model
Company Description
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 retirem...
How the Company Makes Money
PSB Holdings primarily makes money through its banking subsidiary by earning net interest income and generating fee-based (noninterest) income. Net interest income is earned on the spread between interest received from loans and other interest-ear...
PSB Holdings Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
67
Positive
Cash Flow
72
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 81.20M | 84.33M | 78.59M | 68.31M | 53.63M | 51.67M |
| Gross Profit | 48.16M | 51.46M | 44.86M | 45.01M | 47.45M | 47.19M |
| EBITDA | 14.85M | 16.77M | 11.75M | 17.53M | 21.34M | 17.73M |
| Net Income | 12.44M | 13.95M | 10.29M | 9.57M | 13.64M | 12.82M |
Balance Sheet | ||||||
| Total Assets | 1.51B | 1.46B | 1.47B | 1.42B | 1.34B | 1.30B |
| Cash, Cash Equivalents and Short-Term Investments | 210.23M | 0.00 | 0.00 | 186.34M | 221.52M | 332.46M |
| Total Debt | 190.06M | 136.26M | 187.41M | 159.75M | 74.35M | 68.89M |
| Total Liabilities | 1.38B | 1.33B | 1.35B | 1.31B | 1.24B | 1.19B |
| Stockholders Equity | 123.28M | 131.67M | 116.29M | 109.29M | 101.94M | 111.26M |
Cash Flow | ||||||
| Free Cash Flow | 12.25M | 15.60M | 12.25M | 11.87M | 16.75M | 12.29M |
| Operating Cash Flow | 13.99M | 16.21M | 13.99M | 13.10M | 18.29M | 13.39M |
| Investing Cash Flow | -28.98M | -649.00K | -28.98M | -87.05M | -92.93M | -23.78M |
| Financing Cash Flow | 27.71M | -26.18M | 27.71M | 72.32M | 50.51M | 25.41M |
PSB Holdings Technical Analysis
Positive
26.99
Price Trends
27.68
Positive
27.37
Positive
26.06
Positive
Market Momentum
1.63
Negative
96.47
Negative
98.80
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PSBQ, the sentiment is Positive. The current price of 26.99 is below the 20-day moving average (MA) of 28.33, below the 50-day MA of 27.68, and above the 200-day MA of 26.06, indicating a bullish trend. The MACD of 1.63 indicates Negative momentum. The RSI at 96.47 is Negative, neither overbought nor oversold. The STOCH value of 98.80 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PSBQ.
PSB Holdings Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $113.42M | 8.83 | 9.18% | 1.81% | 8.55% | 25.00% | |
75 Outperform | $198.83M | 8.12 | 11.46% | 2.51% | 8.10% | 37.19% | |
73 Outperform | $121.82M | 14.60 | 6.30% | 2.12% | 6.16% | 68.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $107.00M | 18.95 | 4.77% | 3.50% | -1.84% | -3.36% | |
64 Neutral | $107.51M | 9.35 | 14.94% | 6.08% | 11.40% | 29.64% | |
60 Neutral | $113.70M | -26.40 | -2.73% | 1.51% | -11.57% | -191.02% |
* Financial Sector Average
PSBQ
PSB Holdings
47.25
23.59
99.68%
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MGYR
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RVSB
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UNB
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23.30
-6.00
-20.49%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.