OTCPK:PSMH

Stock Analysis Report

Executive Summary

PSM Holdings, Inc. originates mortgage loans in the United States.

Snowflake

Fundamentals

Weak fundamentals or lack of information.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0%

PSMH

1.1%

US Mortgage

1.0%

US Market


1 Year Return

-100.0%

PSMH

13.0%

US Mortgage

6.7%

US Market


Share holder returns

PSMHIndustryMarket
7 Day0%1.1%1.0%
30 Day-99.0%-0.5%-1.8%
90 Dayn/a2.2%-1.8%
1 Year-100.0%-100.0%15.4%13.0%9.1%6.7%
3 Year-100.0%-100.0%40.4%30.9%46.1%36.6%
5 Year-100.0%-100.0%68.9%51.2%66.9%48.6%

Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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


Intrinsic Value Based on Future Cash Flows

Undervalued: Insufficient data to calculate PSMH's fair value to establish if it is undervalued.

Significantly Undervalued: Insufficient data to calculate PSMH's fair value to establish if it is undervalued.


Price Based on Earnings

PE vs Industry: Insufficient data to calculate PSMH's PE Ratio to determine if it is good value compared to the Mortgage industry average.

PE vs Market: Insufficient data to calculate PSMH's PE Ratio to determine if it is good value compared to the US market.


Price Based on Expected Growth

Low PEG Ratio: Insufficient data to calculate PSMH's PEG Ratio to determine if it is good value.


Price Based on Value of Assets

PB vs Industry: Insufficient data to calculate PSMH's PB Ratio to determine if it is good value.


Next Steps

Future Growth

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

10.4%

Forecasted Banks industry annual growth in earnings


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Earnings vs Savings Rate: Insufficient data to determine if PSMH's forecast earnings growth is above the savings rate (2.7%).

Earnings vs Market: Insufficient data to determine if PSMH's earnings are forecast to grow faster than the US market

High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: Insufficient data to determine if PSMH's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if PSMH's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Estimates


Future Return on Equity

Information is not available.


Next Steps

Past Performance

How has PSM Holdings performed over the past 5 years?

15.9%

Historical Banks annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if PSMH's year-on-year earnings growth rate was positive over the past 5 years.

Accelerating Growth: Insufficient data to compare PSMH's past year earnings growth to its 5-year average.

Earnings vs Industry: Insufficient data to determine if PSMH's earnings growth over the past year exceeded the Mortgage industry average.


Return on Equity

High ROE: PSMH has a negative Return on Equity (0%), as it is currently unprofitable.


Return on Assets

ROA vs Industry: Insufficient data to calculate PSMH's Return on Assets to determine if it is higher than the Mortgage industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate PSMH's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is PSM 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.


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: Insufficient data to determine if PSMH has enough cash runway based on its current free cash flow.

Forecast Cash Runway: Insufficient data to determine if PSMH has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.


Financial Institutions Analysis

Asset Level: Insufficient data to determine if PSMH's level of assets compared to its equity is low

Allowance for Bad Loans: Insufficient data to determine if PSMH has a sufficient allowance for bad loans.

Low Risk Liabilities: PSMH reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if PSMH has an acceptable proportion of non-loan assets held.

Low Risk Deposits: PSMH has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if PSMH has an appropriate level of bad loans.


Next Steps

Dividend

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


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage2.2%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

Notable Dividend: Unable to evaluate PSMH's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate PSMH's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if PSMH's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if PSMH's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of PSMH's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

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

6.5yrs

Average board tenure


CEO

Tricia Bailey 0

1.9yrs

Tenure

0

Ms. Tricia M. Bailey is the President of BrooksAmerica Mortgage Corporation(BAMC) and a key component of BAMC's dynamic and progressive Executive Management team. Ms. Bailey serves as President, Chief Exec ...


Board Age and Tenure

6.5yrs

Average Tenure

Experienced Board: PSMH's board of directors are considered experienced (6.5 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Tricia Bailey

    President

    • Tenure: 1.9yrs
  • Crystal Chavez (46yo)

    Board Secretary and Vice President of Primesource Mortgage

    • Tenure: 6.3yrs
    • Compensation: US$209.57k
  • Bill Lawton

    Executive Vice President

    • Tenure: 0yrs

Board Members

  • Michael Margolies (61yo)

    Director

    • Tenure: 6.5yrs
    • Compensation: US$72.67k
  • Tricia Bailey

    President

    • Tenure: 1.9yrs
  • Jim Miller (68yo)

    Director

    • Tenure: 8.4yrs

Company Information

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


Key Information

  • Name: PSM Holdings, Inc.
  • Ticker: PSMH
  • Exchange: OTCPK
  • Founded:
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$44.000
  • Shares outstanding: 44.10m
  • Website: https://www.psmholdings.com

Number of Employees


Location

  • PSM Holdings, Inc.
  • 40750 Symphony Park Lane
  • Suite 102
  • Murrieta
  • California
  • 92562
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PSMHOTCPK (Pink Sheets LLC)YesCommon StockUSUSDOct 2005

Biography

PSM Holdings, Inc. originates mortgage loans in the United States. It funds its mortgage loans either directly off its warehouse lines of credit or through brokering transactions to other third parties. Th ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 00:06
End of Day Share Price2019/08/05 00:00
Earnings2016/03/31
Annual Earnings2015/06/30


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.

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