PSB Holdings (PSBQ) AI Stock Analysis

• Market Cap: $103.16M
• Dividend Yield: 2.58%
• Average Volume (3M): 2.10K
• Price to Earnings (P/E): 9.6
• Beta (1Y): 0.02
• Revenue Growth: 12.46%
• EPS Growth: 38.59%
• Country: US
• Employees: 143
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 2.58
• Shares Outstanding: 4,208,009
• 10 Day Avg. Volume: 853
• 30 Day Avg. Volume: 2,096
• PEG Ratio: 1.03
• Price to Book (P/B): 0.84
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.49
• Enterprise Value/Market Cap: 2.90
• Enterprise Value/Revenue: 1.26
• Enterprise Value/Gross Profit: 7.94
• Enterprise Value/Ebitda: 7.11
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

PSB Holdings' stock score is primarily impacted by its strong operational efficiency, but concerns about declining revenue growth, increased leverage, and liquidity challenges weigh negatively. The technical indicators suggest a bearish market sentiment, and while the valuation metrics indicate fair pricing, they do not provide a significant upside potential. Overall, the stock presents a balanced risk-reward profile with a cautious outlook.

PSB Holdings Business Overview & Revenue Model

Company Description

PSB Holdings, Inc. (PSBQ) is a financial services company that operates primarily in the community banking sector. The company offers a wide array of financial products and services through its subsidiary, including personal and commercial banking, mortgage lending, and wealth management services. PSB Holdings is dedicated to serving individuals, businesses, and non-profit organizations with a focus on personalized customer service and community engagement.

How the Company Makes Money

PSB Holdings generates revenue through a diversified set of financial services, primarily driven by interest income from loans and investment securities. The company makes money by charging interest on personal and commercial loans, including mortgages, auto loans, and business loans. Additionally, it earns non-interest income from service fees, such as account maintenance fees, transaction fees, and other related banking services. Wealth management and advisory services also contribute to the company's earnings, providing fees based on assets under management and financial planning services. Partnerships with financial technology firms and other financial institutions may enhance PSB Holdings' product offerings and distribution channels, further contributing to its revenue streams.

PSB Holdings Financial Statement Overview

Summary

PSB Holdings demonstrates strong operational efficiency with robust profit margins. However, recent figures show declining revenue growth and profitability. The balance sheet reveals increased leverage, which could introduce higher risks, especially with a decrease in equity proportion. Cash flow challenges, particularly the drop in free cash flow, suggest potential liquidity constraints.

Income Statement

PSB Holdings has shown a stable revenue trajectory over the years, though recent figures indicate a slight decline. Gross profit margin has been consistently strong, reflecting efficient cost management. However, there was a drop in net profit margin from 28.73% in 2022 to 21.04% in 2023, and revenue growth has turned negative, indicating potential challenges in revenue generation. The EBIT and EBITDA margins remain robust, demonstrating strong operational efficiency.

Balance Sheet

The company maintains a moderate debt-to-equity ratio, which increased from 0.60 in 2022 to 1.39 in 2023, indicating higher leverage. Return on equity decreased from 13.38% to 8.75%, suggesting reduced profitability from equity. The equity ratio of 7.68% in 2023 indicates a lower proportion of equity financing, which could pose higher risk if asset values fluctuate.

Cash Flow

Operating cash flow has decreased, presenting a challenge in maintaining liquidity. Free cash flow also declined, which can limit the company's ability to reinvest or distribute dividends. The operating cash flow to net income ratio suggests that cash conversion from earnings remains efficient, but declining trends in cash flows highlight potential liquidity concerns.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
77.58M	45.46M	47.45M	48.19M	43.38M
	Gross Profit
0.00	68.31M	47.45M	48.19M	43.38M
	EBIT
10.74M	17.70M	24.12M	16.91M	13.97M
	EBITDA
10.74M	13.02M	19.20M	18.00M	14.81M
	Net Income Common Stockholders
10.29M	9.57M	13.64M	12.82M	10.69M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
0.00	22.32M	221.52M	332.46M	236.31M
	Total Assets
1.47B	1.42B	1.34B	1.30B	1.13B
	Total Debt
187.41M	151.69M	61.37M	62.22M	72.23M
	Net Debt
187.41M	129.38M	32.05M	38.50M	64.22M
	Total Liabilities
1.35B	1.31B	61.37M	62.22M	72.23M
	Stockholders Equity
116.29M	109.29M	101.94M	111.26M	104.43M
Cash Flow		Free Cash Flow
12.25M	11.87M	16.75M	12.29M	16.11M
	Operating Cash Flow
13.99M	13.10M	18.29M	13.39M	17.46M
	Investing Cash Flow
-28.98M	-87.05M	-92.93M	-23.78M	-170.57M
	Financing Cash Flow
27.71M	72.32M	50.51M	25.41M	142.61M

PSB Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 24.75
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PSBQ, the sentiment is Negative. The current price of 24.75 is above the 20-day moving average (MA) of 24.68, below the 50-day MA of 25.15, and below the 200-day MA of 25.47, indicating a bearish trend. The MACD of -0.15 indicates Negative momentum. The RSI at 37.79 is Neutral, neither overbought nor oversold. The STOCH value of 33.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PSBQ.

PSB Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FGBI	66 Neutral	$123.99M	73.10	1.58%	2.70%	14.50%	-73.50%
Sector *	64 Neutral	$12.74B	9.83	7.63%	17000.35%	12.34%	-5.32%
PSBQ	63 Neutral	$103.16M	9.57	9.61%	2.58%	12.46%	38.59%
SRBK	63 Neutral	$111.58M	865.79	-0.05%	0.38%	―	―
PBHC	54 Neutral	$92.18M	31.19	4.24%	2.66%	11.12%	―
WMPN	53 Neutral	$113.45M	―	-0.81%	0.97%	2.25%	-261.40%
RBKB	51 Neutral	$121.42M	―	-6.20%	―	-17.91%	-257.99%