OTCPK:PSBQ

Stock Analysis Report

Executive Summary

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.

Snowflake

Fundamentals

Flawless balance sheet average dividend payer.

Risks

  • PSB Holdings is not covered by any analysts.

Similar Companies

Share Price & News

How has PSB Holdings's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-0.4%

OTCPK:PSBQ

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-8.5%

OTCPK:PSBQ

-16.1%

US Banks

-3.0%

US Market

PSBQ outperformed the Banks industry which returned -16.1% over the past year.

PSBQ underperformed the Market in United States of America which returned -3% over the past year.


Share holder returns

PSBQIndustryMarket
7 Day-0.4%-1.8%-1.6%
30 Day1.0%-10.1%-5.7%
90 Day4.3%-5.0%0.2%
1 Year-7.0%-8.5%-13.7%-16.1%-0.8%-3.0%
3 Year57.8%50.8%37.9%28.5%38.1%29.1%
5 Year136.6%117.2%49.3%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is PSB Holdings's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is PSB Holdings undervalued based on future cash flows and its price relative to the stock market?

5%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

PSB Holdings's share price is below the future cash flow value, but not at a moderate discount (< 20%).

PSB Holdings's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

PSB Holdings is good value based on earnings compared to the US Banks industry average.

PSB Holdings is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for PSB Holdings, we can't assess if its growth is good value.


Price Based on Value of Assets

PSB Holdings is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is PSB Holdings expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

2.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if PSB Holdings is high growth as no revenue estimate data is available.

PSB Holdings's earnings are expected to grow by 2.6% yearly, however this is not considered high growth (20% yearly).

Unable to compare PSB Holdings's revenue growth to the United States of America market average as no estimate data is available.

PSB Holdings's earnings growth is positive but not above the United States of America market average.

PSB Holdings's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if PSB Holdings will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has PSB Holdings performed over the past 5 years?

10.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

PSB Holdings's year on year earnings growth rate has been positive over the past 5 years.

PSB Holdings's 1-year earnings growth exceeds its 5-year average (28.3% vs 10%)

PSB Holdings's earnings growth has not exceeded the US Banks industry average in the past year (28.3% vs 33.1%).


Return on Equity

PSB Holdings has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

PSB Holdings used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if PSB Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is PSB Holdings's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

PSB Holdings has an acceptable proportion of non-loan assets held.

PSB Holdings has a sufficient allowance for bad loans.

PSB Holdings's liabilities are made up of primarily low risk sources of funding.

PSB Holdings's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at PSB Holdings are broadly funded by customer deposits.

PSB Holdings has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is PSB Holdings's current dividend yield, its reliability and sustainability?

1.65%

Current Dividend Yield


Dividend Yield and Payments Analysis

PSB Holdings's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.52%).

PSB Holdings's dividend is below the markets top 25% of dividend payers in United States of America (3.93%).

Dividends per share have been stable in the past 10 years.

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (6.2x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of PSB Holdings's salary, the management and board of directors tenure and is there insider trading?

1.7yrs

Average management tenure


CEO

Scott Cattanach (50yo)

1.6yrs

Tenure

US$394,642

Compensation

Mr. Scott M. Cattanach has been President and Chief Executive Officer of PSB Holdings, Inc. and Peoples State Bank since 2018. He has been a Director of PSB Holdings, Inc. since 2018 and served as its Trea ...


CEO Compensation Analysis

Scott's remuneration is about average for companies of similar size in United States of America.

Scott's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

1.7yrs

Average Tenure

The average tenure for the PSB Holdings management team is less than 2 years, this suggests a new team.


Board Age and Tenure

9.2yrs

Average Tenure

63.5yo

Average Age

The tenure for the PSB Holdings board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Scott Cattanach (50yo)

    President

    • Tenure: 1.6yrs
    • Compensation: US$394.64k
  • Mark Oldenberg (49yo)

    Chief Financial Officer

    • Tenure: 1.7yrs
    • Compensation: US$239.88k
  • Pat Heier

    Senior Vice President of Commercial Services

    • Tenure: 9.6yrs
  • Donna Staples

    Senior VP & Human Resources Director

    • Tenure: 0.0yrs

Board Members

  • Scott Cattanach (50yo)

    President

    • Tenure: 1.6yrs
    • Compensation: US$394.64k
  • Bill Fish (68yo)

    Chairman of the Board

    • Tenure: 7.3yrs
    • Compensation: US$91.49k
  • Charles Ghidorzi (74yo)

    Director

    • Tenure: 22.6yrs
    • Compensation: US$19.65k
  • Tom Polzer (76yo)

    Director

    • Tenure: 24.6yrs
    • Compensation: US$41.20k
  • William Reif (76yo)

    Director

    • Tenure: 22.6yrs
    • Compensation: US$23.46k
  • Pete Knitt (61yo)

    Director

    • Tenure: 13.1yrs
    • Compensation: US$206.82k
  • Tim Sonnentag (53yo)

    Director

    • Tenure: 9.8yrs
    • Compensation: US$38.44k
  • Karla Kieffer (58yo)

    Director

    • Tenure: 8.6yrs
    • Compensation: US$45.92k
  • Kevin Kraft (42yo)

    Director

    • Tenure: 8.6yrs
    • Compensation: US$24.10k
  • Lee Guenther (66yo)

    Director

    • Tenure: 6.6yrs
    • Compensation: US$39.79k

Company Information

PSB Holdings, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: PSB Holdings, Inc.
  • Ticker: PSBQ
  • Exchange: OTCPK
  • Founded: 1962
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$108.427m
  • Shares outstanding: 4.47m
  • Website: https://www.psbholdingsinc.com

Number of Employees


Location

  • PSB Holdings, Inc.
  • 1905 West Stewart Avenue
  • Wausau
  • Wisconsin
  • 54401
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PSBQOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJan 2000

Biography

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 of ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 23:44
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.