Want to see PSBQ full AI Analyst Report?
PSB Holdings (PSBQ) AI Stock Analysis
PSB Holdings
(Other OTC:PSBQ)
PSBQ earns a solid overall score driven primarily by a fundamentally sound financial profile with exceptional cash flow generation and a stable long-term technical uptrend. The bank's successful deleveraging efforts and consistent top-line growth strongly outweigh the risks associated with recent profit margin compression, offering a stable outlook at a fair valuation.
PSB Holdings (PSBQ) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $209.18M
- Dividend Yield
- 1.69%
- Average Volume (3M)
- 2,321
- Price to Earnings (P/E)
- 14.6
- Beta (1Y)
- 0.11
- 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
PSBQ demonstrates consistent revenue expansion, exceptional cash flow conversion, and a strengthening balance sheet with reduced debt levels. While historical margin compression remains a headwind, the bank's strong liquidity and equity accumulation highlight fundamental resilience.
Income Statement
72PositiveBalance Sheet
78PositiveCash Flow
86Very Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 86.10M | 84.33M | 78.59M | 68.31M | 53.63M | 51.67M |
| Gross Profit | 53.86M | 51.46M | 44.86M | 45.01M | 47.45M | 47.19M |
| EBITDA | 17.94M | 18.39M | 14.89M | 17.53M | 21.34M | 17.73M |
| Net Income | 14.79M | 13.95M | 10.29M | 9.57M | 13.64M | 12.82M |
Balance Sheet | ||||||
| Total Assets | 1.51B | 1.46B | 1.47B | 1.42B | 1.34B | 1.30B |
| Cash, Cash Equivalents and Short-Term Investments | 14.36M | 206.22M | 214.22M | 186.34M | 221.52M | 332.46M |
| Total Debt | 146.44M | 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 | 135.64M | 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
Price Trends
Market Momentum
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 52.00 is above the 20-day moving average (MA) of 50.86, above the 50-day MA of 51.27, and above the 200-day MA of 40.75, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 53.53 is Neutral, neither overbought nor oversold. The STOCH value of 85.01 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
MGYR78Outperform- PSBQ78Outperform
LSBK75Outperform
UNB63Neutral
PROV60Neutral
RVSB55Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| MGYR | 78Outperform | $147.57M | 11.39 | 10.23% | 1.65% | 8.91% | 30.08% |
| PSBQ | 78Outperform | $211.81M | 14.61 | 11.00% | 1.69% | 5.56% | 15.18% |
| LSBK | 75Outperform | $146.18M | 16.95 | 7.78% | 1.90% | 4.31% | 24.16% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| UNB | 63Neutral | $112.82M | 8.80 | 15.07% | 6.22% | 3.17% | 5.55% |
| PROV | 60Neutral | $112.74M | 17.84 | 5.18% | 3.08% | 0.19% | 13.84% |
| RVSB | 55Neutral | $120.21M | -42.39 | -2.02% | 1.31% | -10.03% | -162.70% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| PSBQ | PSB Holdings, Inc. | 52.00 | 27.55 | 112.68% | |
| LSBK | Lake Shore Bancorp | 18.98 | 5.45 | 40.24% | |
| MGYR | Magyar Bancorp | 23.00 | 6.88 | 42.66% | |
| PROV | Provident Financial Holdings | 18.20 | 3.41 | 23.05% | |
| RVSB | Riverview | 6.13 | 0.78 | 14.58% | |
| UNB | Union Bankshares, Inc. | 23.15 | 1.44 | 6.65% |
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