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PSB Holdings Inc (PSBQ)

Featured in Overvalued Stocks High-Momentum Stocks

PSB Holdings, Inc. is a bank holding company for Peoples State Bank and its common stock trades on OTC Markets under the ticker PSBQ. Through its banking subsidiary, the company serves individuals and businesses in the United States with a mix of retail and commercial banking products. Its deposit offerings include checking, savings, money market, health savings, and individual retirement accounts, along with certificates of deposit and certificate of deposit account registry services. PSB Holdings also provides cards, overdraft services, cash management, and private banking services. On the lending side, it offers personal, auto, student, business real estate, SBA, mortgage, business line of credit, and healthcare specialty lending. The company also supports customers through digital and mobile banking, online bill pay, eStatements, and business registration services. Founded in 1962, PSB Holdings is headquartered in Wausau, Wisconsin.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-PSBQ
$42.71
-12.9% Downside
Fair
—
—
—
Fair
July 10, 2026
July 31, 2026
0.72
1.5%
July 24, 2026
13.9x
1.6x
3.8x
197.3 M
—
43.7%
80.4%
-1.3
26.7%
115.6%
Valuation • Fair Value

PSB Holdings Inc (OTC-PSBQ) Fair Value by Valuation Model

Compare the primary fair value estimate for PSB Holdings Inc (OTC-PSBQ) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$42.71

Estimated downside of 12.9% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$39.55

Classic Ben Graham valuation formula reference.

DDM Fair Value

$62.68

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$36.05

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for PSB Holdings Inc (OTC-PSBQ) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for PSB Holdings Inc (OTC-PSBQ)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

53.104 M

Current operating scale indicator.

Revenue Forecast

55.232 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review PSB Holdings Inc (OTC-PSBQ) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for PSB Holdings Inc (OTC-PSBQ)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.3

Lower score that deserves closer risk review.

FCF / Net Income

115.6%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for PSB Holdings Inc (OTC-PSBQ). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for PSB Holdings Inc (OTC-PSBQ)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 24, 2026

Days to Earnings

3

Dividend Payment Date

July 31, 2026

Ex-Dividend Date

July 10, 2026

Dividend Yield

1.5%

Income yield reference.

Upcoming Dividend

0.72

Upcoming distribution amount.

Payment Type

Cash

Distribution type as reported in the data.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

26.7%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for PSB Holdings Inc (OTC-PSBQ), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

PSB Holdings Inc (OTC-PSBQ) Stock Forecast & Technical Outlook

Review PSB Holdings Inc (OTC-PSBQ) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for PSB Holdings Inc (OTC-PSBQ) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for PSB Holdings Inc (OTC-PSBQ) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Sell

The daily technical read for PSB Holdings Inc (OTC-PSBQ) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for PSB Holdings Inc (OTC-PSBQ) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for PSB Holdings Inc (OTC-PSBQ) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for PSB Holdings Inc (OTC-PSBQ)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for PSB Holdings Inc (OTC-PSBQ) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ • Fast Investor Answers

PSB Holdings Inc (OTC-PSBQ) Stock FAQ

Quick answers about PSB Holdings Inc (OTC-PSBQ) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$42.71
Estimated downside 12.9%
Valuation Rating
Overvalued
Estimated downside of 12.9%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Fair
Current financial-health read

The current fair value estimate for PSB Holdings Inc (OTC-PSBQ) is $42.71. This implies an estimated downside of 12.9% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 12.9% versus the current market price.

An analyst price target for PSB Holdings Inc (OTC-PSBQ) is not currently available in the latest data file.

The current financial health read for PSB Holdings Inc (OTC-PSBQ) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for PSB Holdings Inc (OTC-PSBQ) is July 24, 2026.

Based on the current data, dividend yield is 1.5%, upcoming dividend amount is 0.72, ex-dividend date is July 10, 2026, payment date is July 31, 2026.

The current P/E ratio listed for PSB Holdings Inc (OTC-PSBQ) is 13.9x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for PSB Holdings Inc is 197.3 M.

The ticker symbol for PSB Holdings Inc is OTC-PSBQ, and the stock is listed on OTC Markets.

PSB Holdings Inc (OTC-PSBQ) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for PSB Holdings Inc is 43.7%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for PSB Holdings Inc is 80.4%. Free float helps investors understand how much of the share base is available for public trading.

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