PSB Holdings
Market Cap
US$108.4m
Last Updated
2019/08/24 23:44 UTC
Data Sources
Company Financials
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
| PSBQ | Industry | Market | |
|---|---|---|---|
| 7 Day | -0.4% | -1.8% | -1.6% |
| 30 Day | 1.0% | -10.1% | -5.7% |
| 90 Day | 4.3% | -5.0% | 0.2% |
| 1 Year | -7.0%-8.5% | -13.7%-16.1% | -0.8%-3.0% |
| 3 Year | 57.8%50.8% | 37.9%28.5% | 38.1%29.1% |
| 5 Year | 136.6%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
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| PSBQ | OTCPK (Pink Sheets LLC) | Yes | Common Stock | US | USD | Jan 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
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/24 23:44 |
| End of Day Share Price | 2019/08/23 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.