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PSB Holdings
(OTC:PSBQ)
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Rating:73Outperform
Price Target:
$58.00
â–²(13.73% 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 Growth
Sustained 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 Peaks
Although 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Sustained 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.
Read all positive factors
PSB Holdings (PSBQ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$215.07M
Dividend Yield1.36%
Average Volume (3M)1.10K
Price to Earnings (P/E)14.9
Beta (1Y)0.10
Revenue Growth6.92%
EPS Growth18.77%
CountryUS
Employees143
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.47
Shares Outstanding4,208,009
10 Day Avg. Volume1,516
30 Day Avg. Volume1,101
Financial Highlights & Ratios
PEG Ratio0.20
Price to Book (P/B)0.80
Price to Sales (P/S)1.25
P/FCF Ratio6.75
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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. 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 var...
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, a...
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 | 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 | 18.53M | 18.39M | 11.75M | 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 | 0.00 | 15.60M | 12.25M | 11.87M | 16.75M | 12.29M |
| Operating Cash Flow | 0.00 | 16.21M | 13.99M | 13.10M | 18.29M | 13.39M |
| Investing Cash Flow | 0.00 | -649.00K | -28.98M | -87.05M | -92.93M | -23.78M |
| Financing Cash Flow | 0.00 | -26.18M | 27.71M | 72.32M | 50.51M | 25.41M |
PSB Holdings Technical Analysis
Positive
51.00
Price Trends
50.90
Positive
42.91
Positive
34.55
Positive
Market Momentum
0.30
Positive
46.86
Neutral
10.71
Positive
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 51 is below the 20-day moving average (MA) of 52.23, above the 50-day MA of 50.90, and above the 200-day MA of 34.55, indicating a neutral trend. The MACD of 0.30 indicates Positive momentum. The RSI at 46.86 is Neutral, neither overbought nor oversold. The STOCH value of 10.71 is Positive, 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $134.85M | 15.34 | 6.50% | 2.09% | 5.96% | 49.37% | |
75 Outperform | $125.69M | 10.26 | 9.59% | 1.81% | 7.51% | 20.96% | |
73 Outperform | $215.07M | 14.92 | 10.90% | 1.39% | 6.92% | 18.77% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $114.57M | 17.82 | 5.23% | 3.25% | -0.79% | 11.59% | |
56 Neutral | $115.98M | 9.04 | 14.72% | 5.81% | 10.15% | 28.62% | |
54 Neutral | $103.36M | -26.99 | -2.50% | 1.52% | -11.21% | -176.24% |
* Financial Sector Average
PSBQ
PSB Holdings
51.76
27.43
112.71%
LSBK
Lake Shore Bancorp
17.18
4.05
30.85%
MGYR
Magyar Bancorp
19.49
2.66
15.80%
PROV
Provident Financial Holdings
18.35
3.36
22.38%
RVSB
Riverview Bancorp
5.16
0.18
3.53%
UNB
Union Bankshares
23.60
-1.09
-4.41%
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.