PSB Holdings (PSBQ) AI Stock Analysis

PSB Holdings

(Other OTC:PSBQ)

Select Model

Rating:73Outperform

Price Target:$58.00▲(11.37% Upside)

Action:reiterated

Date:08/21/26

PSBQ’s score is driven primarily by solid financial performance with improving 2025 profitability, stronger free cash flow support, and reduced leverage, complemented by a constructive technical trend (price above key moving averages with positive MACD and neutral RSI). Valuation is reasonable with a modest dividend, but not compelling enough to lift the score into the top tier.

Positive Factors

Sustained Revenue GrowthSustained revenue expansion indicates continued demand for the bank’s lending, deposit and related services. Positive growth through 2025 supports a broader earnings base and provides a durable foundation for future profitability.

Negative Factors

Profitability Below Prior PeaksAlthough profitability recovered, margins remain below earlier peaks, indicating that earnings power has not fully returned to its strongest level. This may constrain capital accumulation and leave results more sensitive to changes in funding and credit conditions.

PSB Holdings (PSBQ) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $209.50M
Dividend Yield: 1.69%
Average Volume (3M): 2,473
Price to Earnings (P/E): 14.6
Beta (1Y): 0.12
Revenue Growth: 5.56%
EPS Growth: 15.18%
Country: US
Employees: 143
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

PSB Holdings Business Overview & Revenue Model

Company Description

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 variou...

How the Company Makes Money

PSB Holdings makes money primarily through Patriot State Bank’s banking operations. The largest source of earnings for a community bank is typically net interest income: the bank earns interest and fees on loans (such as commercial, real estate, and...

PSB Holdings Financial Statement Overview

Summary

Financial statements are solid with improving momentum: revenue and profitability rebounded in 2025 versus 2024, leverage declined materially with a better debt-to-equity profile, and free cash flow strengthened while closely tracking net income (supporting earnings quality). Offsetting factors include profitability still below the 2021–2022 peak, meaningful remaining leverage, and persistently low operating cash flow coverage.

Income Statement

74Positive

Balance Sheet

67Positive

Cash Flow

72Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	86.82M	84.33M	78.59M	68.31M	53.63M	51.67M
Gross Profit	53.27M	51.46M	44.86M	45.01M	47.45M	47.19M
EBITDA	18.55M	18.39M	14.89M	17.53M	21.34M	17.73M
Net Income	14.46M	13.95M	10.29M	9.57M	13.64M	12.82M
Balance Sheet
Total Assets	1.50B	1.46B	1.47B	1.42B	1.34B	1.30B
Cash, Cash Equivalents and Short-Term Investments	17.32M	206.22M	214.22M	186.34M	221.52M	332.46M
Total Debt	171.87M	136.26M	187.41M	159.75M	74.35M	68.89M
Total Liabilities	1.37B	1.33B	1.35B	1.31B	1.24B	1.19B
Stockholders Equity	136.75M	131.67M	116.29M	109.29M	101.94M	111.26M
Cash Flow
Free Cash Flow	0	15.60M	12.25M	11.87M	16.75M	12.29M
Operating Cash Flow	0	16.21M	13.99M	13.10M	18.29M	13.39M
Investing Cash Flow	0	-649.00K	-28.98M	-87.05M	-92.93M	-23.78M
Financing Cash Flow	0	-26.18M	27.71M	72.32M	50.51M	25.41M

PSB Holdings Technical Analysis

Technical Analysis SentimentPositive

Last Price52.08

Price Trends

50DMA51.24Positive

100DMA50.84Positive

200DMA40.37Positive

Market Momentum

MACD0.10Negative

RSI54.36Neutral

STOCH97.25Negative

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 52.08 is above the 20-day moving average (MA) of 50.77, above the 50-day MA of 51.24, and above the 200-day MA of 40.37, indicating a bullish trend. The MACD of 0.10 indicates Negative momentum. The RSI at 54.36 is Neutral, neither overbought nor oversold. The STOCH value of 97.25 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

PSBQ against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGYR	78Outperform	$143.96M	11.04	10.23%	1.70%	8.91%	30.08%
LSBK	75Outperform	$145.41M	16.69	7.78%	1.93%	4.31%	24.16%
PSBQ	73Outperform	$213.41M	14.63	11.00%	1.69%	5.56%	15.18%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UNB	63Neutral	$112.91M	8.68	15.07%	6.31%	3.17%	5.55%
PROV	60Neutral	$113.27M	17.81	5.18%	3.08%	0.19%	13.84%
RVSB	49Neutral	$119.92M	-41.56	-2.02%	1.33%	-10.03%	-162.70%

* Financial Sector Average

Performance Comparison

PSBQ and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
PSBQ	PSB Holdings, Inc.	52.08	27.50	111.91%
LSBK	Lake Shore Bancorp	18.69	4.83	34.80%
MGYR	Magyar Bancorp	22.30	5.42	32.14%
PROV	Provident Financial Holdings	18.17	3.16	21.02%
RVSB	Riverview	6.01	0.89	17.29%
UNB	Union Bankshares, Inc.	22.83	1.35	6.28%

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.

Date of analysis: Aug 21, 2026

PSB Holdings AI Stock Analysis