PSB Holdings, Inc. (PSBQ)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 43 | 48 | 47 | 45 | 46 | 52 | 56 | - |
| Operating profit | $m | 16 | 19 | ||||||
| Net profit | $m | 11 | 13 | 14 | 10 | 10 | 14 | 14 | - |
| EPS reported | $ | 3.31 | 3.45 | ||||||
| Operating cashflow per share | $ | 4.02 | 0.00 | ||||||
| Capex per share | $ | 0.15 | 0.00 | ||||||
| FCF per share | $ | 3.87 | 0.00 | ||||||
| Free cash flow | $m | 16 | 0 | ||||||
| Net debt | $m | -70 | 155 | ||||||
| Book value equity | $m | 132 | 137 | ||||||
| Book value per share | $ | 32.59 | 33.79 | ||||||
| Number of shares | m | 4.04 | 4.05 | ||||||
| DPS (TTM paid) | $ | 0.86 | 0.88 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.89 | 14.73 | ||||||
| P/B LTM | x | 0.80 | 0.77 | ||||||
| P/S LTM | x | 2.02 | 1.89 | ||||||
| P/FCF LTM | x | 6.75 | 0.00 | ||||||
| EV/EBITDA LTM | x | 11.94 | 11.85 | ||||||
| EV/Sales LTM | x | 2.60 | 3.83 | ||||||
| Earnings Yield LTM | % | +12.67% | +6.79% | ||||||
| FCF Yield | % | +14.81% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +10.59% | +11.46% | ||||||
| ROIC | % | +0.92% | +1.05% | ||||||
| Operating margin | % | +18.48% | +21.86% | ||||||
| Gross margin | % | +61.02% | +60.58% | ||||||
| FCF/Sales | % | +18.50% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +39.66% | +45.57% | ||||||
| Sales Growth YoY | % | +13.19% | +20.81% | ||||||
| Net Income Growth YoY | % | +35.55% | +40.49% | ||||||
| FCF Growth | % | +27.36% | -100.00% | ||||||
| Operating Profit Growth | % | +32.63% | +57.54% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.07% | +1.42% | ||||||
| Dividend Growth | % | +34.38% | +37.50% | ||||||
| Payout Ratio | % | +24.14% | 0.00% | ||||||
| FCF/Debt | x | 0.11 | 0.00 | ||||||
| Net Debt/EBITDA | x | 6.21 | 6.95 | ||||||
| EBIT/Net interest | x | 0.48 | 0.59 | ||||||
| Net debt/market cap | % | +1.29% | +80.04% | ||||||
| Net debt/Equity | x | -0.53 | 1.13 | ||||||
| Gross debt/equity | x | 1.03 | 1.26 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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