PSB Holdings, Inc. Logo

PSB Holdings, Inc.

PSBQ

(2.8)
Stock Price

26,00 USD

0.54% ROA

7.32% ROE

13.56x PER

Market Cap.

109.408.260,00 USD

187.19% DER

2.38% Yield

11.85% NPM

PSB Holdings, Inc. Stock Analysis

PSB Holdings, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

PSB Holdings, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.85x) suggests it's undervalued, making it an attractive opportunity for investors.

2 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

4 ROE

The stock's ROE falls within an average range (12.7%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.91%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

7 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

8 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (79) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 DER

The stock is burdened with a heavy load of debt (149%), making it financially unstable and potentially risky for investors.

10 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

PSB Holdings, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

PSB Holdings, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Sell
4 Stoch RSI Buy

PSB Holdings, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

PSB Holdings, Inc. Revenue
Year Revenue Growth
1999 10.337.888
2000 10.845.937 4.68%
2001 13.024.447 16.73%
2002 15.689.879 16.99%
2003 17.292.000 9.27%
2004 17.212.000 -0.46%
2005 17.577.000 2.08%
2006 17.048.000 -3.1%
2007 17.839.000 4.43%
2008 17.614.000 -1.28%
2009 22.527.000 21.81%
2010 24.462.000 7.91%
2011 24.894.000 1.74%
2012 25.297.000 1.59%
2013 26.500.000 4.54%
2014 27.593.000 3.96%
2015 29.623.000 6.85%
2016 31.917.000 7.19%
2017 33.163.000 3.76%
2018 35.338.000 6.15%
2019 38.864.000 9.07%
2020 43.380.000 10.41%
2021 48.185.000 9.97%
2022 47.447.000 -1.56%
2023 45.308.000 -4.72%
2023 68.302.000 33.67%
2024 77.680.000 12.07%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

PSB Holdings, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

PSB Holdings, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 3.621.239
2000 3.841.735 5.74%
2001 4.419.402 13.07%
2002 4.927.019 10.3%
2003 5.952.000 17.22%
2004 6.189.000 3.83%
2005 6.610.000 6.37%
2006 7.057.000 6.33%
2007 6.921.000 -1.97%
2008 6.844.000 -1.13%
2009 9.395.000 27.15%
2010 10.423.000 9.86%
2011 10.224.000 -1.95%
2012 9.633.000 -6.14%
2013 9.521.000 -1.18%
2014 10.402.000 8.47%
2015 11.561.000 10.03%
2016 12.153.000 4.87%
2017 12.459.000 2.46%
2018 13.194.000 5.57%
2019 13.645.000 3.31%
2020 14.012.000 2.62%
2021 16.143.000 13.2%
2022 17.940.000 10.02%
2023 18.056.000 0.64%
2023 18.648.000 3.17%
2024 20.668.000 9.77%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

PSB Holdings, Inc. EBITDA
Year EBITDA Growth
1999 12.808.305
2000 16.882.190 24.13%
2001 17.869.364 5.52%
2002 16.485.404 -8.4%
2003 16.738.000 1.51%
2004 14.793.000 -13.15%
2005 19.711.000 24.95%
2006 22.252.000 11.42%
2007 24.318.000 8.5%
2008 21.288.000 -14.23%
2009 18.405.000 -15.66%
2010 19.434.000 5.29%
2011 18.812.000 -3.31%
2012 18.239.000 -3.14%
2013 14.434.000 -26.36%
2014 16.094.000 10.31%
2015 17.646.000 8.8%
2016 18.774.000 6.01%
2017 19.387.000 3.16%
2018 22.299.000 13.06%
2019 17.278.000 -29.06%
2020 16.830.000 -2.66%
2021 17.725.000 5.05%
2022 27.528.000 35.61%
2023 14.988.000 -83.67%
2023 109.000 -13650.46%
2024 -568.000 119.19%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

PSB Holdings, Inc. Gross Profit
Year Gross Profit Growth
1999 10.337.888
2000 10.845.937 4.68%
2001 13.024.447 16.73%
2002 15.689.879 16.99%
2003 17.292.000 9.27%
2004 17.212.000 -0.46%
2005 17.577.000 2.08%
2006 17.048.000 -3.1%
2007 17.839.000 4.43%
2008 17.614.000 -1.28%
2009 22.527.000 21.81%
2010 24.462.000 7.91%
2011 24.894.000 1.74%
2012 25.297.000 1.59%
2013 26.500.000 4.54%
2014 27.593.000 3.96%
2015 29.623.000 6.85%
2016 31.917.000 7.19%
2017 33.163.000 3.76%
2018 35.338.000 6.15%
2019 38.864.000 9.07%
2020 43.380.000 10.41%
2021 48.185.000 9.97%
2022 47.447.000 -1.56%
2023 45.308.000 -4.72%
2023 68.305.000 33.67%
2024 77.680.000 12.07%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

PSB Holdings, Inc. Net Profit
Year Net Profit Growth
1999 2.588.982
2000 2.669.619 3.02%
2001 3.365.550 20.68%
2002 4.364.964 22.9%
2003 4.806.000 9.18%
2004 3.526.000 -36.3%
2005 4.340.000 18.76%
2006 3.427.000 -26.64%
2007 4.140.000 17.22%
2008 3.301.000 -25.42%
2009 3.116.000 -5.94%
2010 4.754.000 34.46%
2011 5.305.000 10.39%
2012 6.009.000 11.72%
2013 4.744.000 -26.67%
2014 6.440.000 26.34%
2015 7.749.000 16.89%
2016 8.436.000 8.14%
2017 7.187.000 -17.38%
2018 10.312.000 30.3%
2019 11.247.000 8.31%
2020 10.689.000 -5.22%
2021 12.817.000 16.6%
2022 13.637.000 6.01%
2023 5.396.000 -152.72%
2023 9.569.000 43.61%
2024 9.784.000 2.2%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

PSB Holdings, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 0
2000 0 0%
2001 0 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 100%
2012 1 0%
2013 1 0%
2014 1 100%
2015 2 0%
2016 2 0%
2017 2 0%
2018 2 50%
2019 3 0%
2020 2 0%
2021 3 0%
2022 3 33.33%
2023 1 -200%
2023 2 50%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

PSB Holdings, Inc. Free Cashflow
Year Free Cashflow Growth
1999 5.740.199
2000 2.524.024 -127.42%
2001 2.709.973 6.86%
2002 4.290.302 36.83%
2003 5.480.000 21.71%
2004 -1.030.000 632.04%
2005 4.848.000 121.25%
2006 3.911.000 -23.96%
2007 4.994.000 21.69%
2008 4.594.000 -8.71%
2009 3.410.000 -34.72%
2010 7.705.000 55.74%
2011 9.657.000 20.21%
2012 6.984.000 -38.27%
2013 12.700.000 45.01%
2014 8.440.000 -50.47%
2015 8.262.000 -2.15%
2016 8.632.000 4.29%
2017 10.489.000 17.7%
2018 10.556.000 0.63%
2019 11.708.000 9.84%
2020 16.106.000 27.31%
2021 12.294.000 -31.01%
2022 16.745.000 26.58%
2023 11.343.000 -47.62%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

PSB Holdings, Inc. Operating Cashflow
Year Operating Cashflow Growth
1999 6.262.483
2000 3.966.941 -57.87%
2001 3.468.116 -14.38%
2002 6.247.582 44.49%
2003 7.392.000 15.48%
2004 4.939.000 -49.67%
2005 5.912.000 16.46%
2006 3.911.000 -51.16%
2007 5.496.000 28.84%
2008 5.362.000 -2.5%
2009 3.664.000 -46.34%
2010 8.719.000 57.98%
2011 9.657.000 9.71%
2012 7.556.000 -27.81%
2013 13.034.000 42.03%
2014 9.035.000 -44.26%
2015 9.201.000 1.8%
2016 8.921.000 -3.14%
2017 11.384.000 21.64%
2018 11.177.000 -1.85%
2019 13.765.000 18.8%
2020 17.460.000 21.16%
2021 13.392.000 -30.38%
2022 18.285.000 26.76%
2023 13.102.000 -39.56%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

PSB Holdings, Inc. Capital Expenditure
Year Capital Expenditure Growth
1999 522.284
2000 1.442.917 63.8%
2001 758.143 -90.32%
2002 1.957.280 61.27%
2003 1.912.000 -2.37%
2004 5.969.000 67.97%
2005 1.064.000 -461%
2006 0 0%
2007 502.000 100%
2008 768.000 34.64%
2009 254.000 -202.36%
2010 1.014.000 74.95%
2011 0 0%
2012 572.000 100%
2013 334.000 -71.26%
2014 595.000 43.87%
2015 939.000 36.63%
2016 289.000 -224.91%
2017 895.000 67.71%
2018 621.000 -44.12%
2019 2.057.000 69.81%
2020 1.354.000 -51.92%
2021 1.098.000 -23.32%
2022 1.540.000 28.7%
2023 1.759.000 12.45%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

PSB Holdings, Inc. Equity
Year Equity Growth
1999 21.046.417
2000 22.274.374 5.51%
2001 25.349.191 12.13%
2002 29.302.344 13.49%
2003 32.141.000 8.83%
2004 33.616.000 4.39%
2005 35.485.000 5.27%
2006 34.447.000 -3.01%
2007 36.615.000 5.92%
2008 39.899.000 8.23%
2009 42.270.000 5.61%
2010 46.690.000 9.47%
2011 50.362.000 7.29%
2012 54.447.000 7.5%
2013 56.753.000 4.06%
2014 61.461.000 7.66%
2015 65.085.000 5.57%
2016 69.052.000 5.74%
2017 73.782.000 6.41%
2018 80.840.000 8.73%
2019 92.691.000 12.79%
2020 104.427.000 11.24%
2021 111.262.000 6.14%
2022 101.942.000 -9.14%
2023 102.908.000 0.94%
2023 109.287.000 5.84%
2024 111.347.000 1.85%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

PSB Holdings, Inc. Assets
Year Assets Growth
1999 259.889.033
2000 306.238.822 15.14%
2001 344.296.007 11.05%
2002 371.468.748 7.31%
2003 408.933.000 9.16%
2004 454.974.000 10.12%
2005 506.158.000 10.11%
2006 501.840.000 -0.86%
2007 534.185.000 6.06%
2008 570.486.000 6.36%
2009 606.854.000 5.99%
2010 621.093.000 2.29%
2011 622.867.000 0.28%
2012 711.966.000 12.51%
2013 711.541.000 -0.06%
2014 734.367.000 3.11%
2015 784.410.000 6.38%
2016 827.528.000 5.21%
2017 847.681.000 2.38%
2018 915.998.000 7.46%
2019 974.893.000 6.04%
2020 1.131.955.000 13.88%
2021 1.298.711.000 12.84%
2022 1.337.689.000 2.91%
2023 1.437.245.000 6.93%
2023 1.424.100.000 -0.92%
2024 1.485.639.000 4.14%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

PSB Holdings, Inc. Liabilities
Year Liabilities Growth
1999 238.842.616
2000 283.964.448 15.89%
2001 318.946.816 10.97%
2002 342.166.404 6.79%
2003 376.792.000 9.19%
2004 421.358.000 10.58%
2005 470.673.000 10.48%
2006 467.393.000 -0.7%
2007 497.570.000 6.06%
2008 530.587.000 6.22%
2009 101.301.000 -423.77%
2010 103.677.000 2.29%
2011 572.505.000 81.89%
2012 85.584.000 -568.94%
2013 70.222.000 -21.88%
2014 42.327.000 -65.9%
2015 44.801.000 5.52%
2016 48.001.000 6.67%
2017 59.680.000 19.57%
2018 835.158.000 92.85%
2019 83.728.000 -897.47%
2020 72.232.000 -15.92%
2021 62.217.000 -16.1%
2022 61.368.000 -1.38%
2023 151.328.000 59.45%
2023 1.314.813.000 88.49%
2024 1.374.292.000 4.33%

PSB Holdings, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
16.18
Net Income per Share
1.92
Price to Earning Ratio
13.56x
Price To Sales Ratio
1.63x
POCF Ratio
1121.1
PFCF Ratio
1139.67
Price to Book Ratio
0.97
EV to Sales
4.5
EV Over EBITDA
82.43
EV to Operating CashFlow
3136.53
EV to FreeCashFlow
3136.53
Earnings Yield
0.07
FreeCashFlow Yield
0
Market Cap
0,11 Bil.
Enterprise Value
0,30 Bil.
Graham Number
34.06
Graham NetNet
-298.13

Income Statement Metrics

Net Income per Share
1.92
Income Quality
0.01
ROE
0.07
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.67
EBT Per Ebit
1.22
Ebit per Revenue
0.14
Effective Tax Rate
0.33

Margins

Sales, General, & Administrative to Revenue
0.28
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.14
Pretax Profit Margin
0.18
Net Profit Margin
0.12

Dividends

Dividend Yield
0.02
Dividend Yield %
2.38
Payout Ratio
0
Dividend Per Share
0.62

Operating Metrics

Operating Cashflow per Share
0.02
Free CashFlow per Share
0.02
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.02
Return on Tangible Assets
0.01
Days Sales Outstanding
27.51
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
13.27
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
43,94
Book Value per Share
26,90
Tangible Book Value per Share
25.82
Shareholders Equity per Share
26.9
Interest Debt per Share
56.18
Debt to Equity
1.87
Debt to Assets
0.14
Net Debt to EBITDA
52.48
Current Ratio
0.1
Tangible Asset Value
0,11 Bil.
Net Current Asset Value
-1,28 Bil.
Invested Capital
-799340000
Working Capital
-0,82 Bil.
Intangibles to Total Assets
0
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
-41574000
Debt to Market Cap
1.91

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

PSB Holdings, Inc. Dividends
Year Dividends Growth
2004 0
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 100%
2013 0 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 100%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 1 0%
2024 1 0%

PSB Holdings, Inc. Profile

About PSB Holdings, Inc.

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.

CEO
Mr. Scott M. Cattanach CPA
Employee
143
Address
1905 West Stewart Avenue
Wausau, 54401

PSB Holdings, Inc. Executives & BODs

PSB Holdings, Inc. Executives & BODs
# Name Age
1 Mr. Scott M. Cattanach CPA
President, Chief Executive Officer & Director
70
2 Ms. Jessica M. Barnes CPA
Senior Vice President, Chief Financial Officer & Secretary
70
3 Ms. Katie Tolokken
Vice President & Chief Operating Officer
70

PSB Holdings, Inc. Competitors