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PSB Holdings, Inc. (PSBQ)

USD49.65 -0.10 (-0.20%)
US OTC Financial Services Banks - Regional
Address 1905 West Stewart Avenue 54401
Wausau, WI, US
CEO Scott Cattanach
IPO 2000-01-20
CIK 948368 ISIN US69360N1081

Explore sections of this company profile

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 various deposit accounts such as checking, savings, individual retirement accounts, money market accounts, certificates of deposit (CDs), and Certificate of Deposit Account Registry Service (CDARS). The institution also issues debit, prepaid, and credit cards. A wide selection of lending options is available, covering consumer needs like fixed and adjustable-rate mortgages; specialized loans including guaranteed rural housing, Veterans Administration (VA), Federal Housing Administration (FHA), construction, land, auto, personal, and student loans; home equity lines of credit (HELOCs) and traditional home equity loans; and overdraft facilities. For businesses, offerings extend to lines of credit, equipment financing, specialized healthcare lending, Small Business Administration (SBA) loans, commercial real estate financing, and funding for acquisitions and buy-outs, complemented by cash management services. Further provisions include private banking, electronic statements (e-statements), investment and insurance products, commercial treasury management services, sweep accounts, zero balance accounts, online bill payment, fraud protection, Automated Clearing House (ACH) services, on-site deposit solutions, and merchant services, all accessible via online and mobile banking platforms. As of January 28, 2022, Peoples State Bank operated ten full-service branches situated in Marathon, Oneida, Vilas, Milwaukee, and Waukesha counties within Wisconsin, in addition to a loan production office located in Stevens Point, Wisconsin. The company was established in 1962 and maintains its headquarters in Wausau, Wisconsin.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD49.65 -0.10 (-0.20%)
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Volume Profile
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Liquidity & share structure
Average Volume
13.5K
Beta
0.42
Float Shares
4.13M
Free Float %
102.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.74% -0.53% +71.31% +68.17% +89.04% +79.12% +91.05% +133.75% +83.33% +205.96% +753.10%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
49.65
DCF (Unlevered) 39.83 -19.8%
DCF (Levered) 47.68 -4.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.35
Distress
Piotroski F-Score
8 / 9
Strong
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +7.3% Q1'26: +8.2% (vs Q1'25)
  • EPS growth
    +40.5% Q1'26: +36.7% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +18.0% (vs Q1'25)
  • ROIC
    Q1'26: +5.2% (vs Q1'25)
  • Share dilution
    -2.2% Q1'26: -1.7% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 10.11× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.20) × ERP
WACC = 58% × Ke + 42% × Kd (23.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 39.83 Current price: 49.65
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 B+ 3/5 4/5 4/5 3/5 2/5 3/5 3/5
2026-05-27 B+ 3/5 4/5 4/5 3/5 2/5 3/5 3/5
2026-05-26 B+ 3/5 4/5 4/5 3/5 2/5 3/5 3/5
2026-05-22 B+ 3/5 4/5 4/5 3/5 2/5 3/5 3/5
2026-05-21 B+ 3/5 4/5 4/5 3/5 2/5 3/5 3/5
2026-05-20 B+ 3/5 4/5 4/5 3/5 2/5 3/5 3/5
2026-05-19 B+ 3/5 4/5 4/5 3/5 2/5 3/5 3/5
2026-05-18 B+ 3/5 4/5 4/5 3/5 2/5 3/5 3/5
2026-05-15 B+ 3/5 4/5 3/5 3/5 2/5 3/5 3/5
2026-05-14 B+ 3/5 4/5 3/5 3/5 2/5 3/5 3/5
2026-05-13 B+ 3/5 4/5 3/5 3/5 2/5 3/5 3/5
2026-05-12 B+ 3/5 4/5 3/5 3/5 2/5 3/5 3/5
2026-05-11 B+ 3/5 4/5 3/5 3/5 2/5 4/5 3/5
2026-05-06 A- 4/5 4/5 3/5 4/5 2/5 4/5 3/5
2026-05-04 A- 4/5 4/5 3/5 4/5 2/5 4/5 4/5
2026-05-01 A- 4/5 4/5 4/5 4/5 1/5 4/5 3/5
2026-04-30 A- 4/5 4/5 4/5 4/5 1/5 4/5 3/5
2026-04-28 A- 4/5 4/5 4/5 4/5 1/5 4/5 3/5
2026-04-27 A- 4/5 4/5 4/5 4/5 1/5 4/5 4/5
2026-04-21 A 4/5 4/5 4/5 4/5 2/5 4/5 4/5
2026-04-17 A- 4/5 4/5 4/5 4/5 1/5 4/5 4/5
2026-04-16 A- 4/5 4/5 4/5 4/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
14.55M
OE per share TTM
3.54
Owner's Yield
7.74%
Maintenance CapEx ratio
8.81%
Maint CapEx / Avg PPE
20.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
6
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 LLC 243.3K 5.89% 243.3K IA Delaware 2024-11-14
2 Phillip Stone, IV 243.3K 5.89% 243.3K IN U.S.A. 2024-11-14
3 Master Opportunity Fund Ltd 179.0K 4.34% 179.0K OO Islands 2024-11-14
4 GP LLC 64.3K 1.56% 64.3K OO Delaware 2024-11-14
5 QP Opportunity Fund LP 55.1K 1.33% 55.1K PN Delaware 2024-11-14
6 Small-Cap Financials Fund LP 9.2K 0.22% 9.2K PN Delaware 2024-11-14

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
117.3K
Shares Outstanding
4.02M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2025-08-14 SC 13G/A
2025-05-13 SC 13G/A
2025-02-14 SC 13G/A
2024-11-14 SC 13G
2011-09-14 10-Q/A
2006-06-29 11-K
2006-06-22 SC TO-I/A
2005-02-28 10-K/A
2002-04-17 10-K/A

Executive team

NameTitleCompensationGender
Scott Cattanach President, Chief Executive Officer & Director 519.2K male
Jessica Brown Executive Vice President, Chief Financial Officer & Secretary 260.7K female
Aleksandar Bjelic Executive VP of Retail Banking & Group Leader male
Robert McPherson Executive Vice President of Risk Management male
Tina Seidl SPHR Executive Vice President of Human Resources female
Katie Tolokken Executive Vice President & Chief Operating Officer female
Erik Rajek EVP & Commercial Banking Group Leader male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits