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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.43
PSBH's Cash to Debt is ranked lower than
71% of the 970 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. PSBH: 0.43 )
Ranked among companies with meaningful Cash to Debt only.
PSBH' s 10-Year Cash to Debt Range
Min: 0.03  Med: 0.13 Max: N/A
Current: 0.43
Equity to Asset 0.11
PSBH's Equity to Asset is ranked higher than
59% of the 1323 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. PSBH: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
PSBH' s 10-Year Equity to Asset Range
Min: 0.07  Med: 0.10 Max: 0.16
Current: 0.11
0.07
0.16
Interest Coverage 0.29
PSBH's Interest Coverage is ranked lower than
88% of the 1239 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.65 vs. PSBH: 0.29 )
Ranked among companies with meaningful Interest Coverage only.
PSBH' s 10-Year Interest Coverage Range
Min: 0.15  Med: 0.29 Max: 0.47
Current: 0.29
0.15
0.47
F-Score: 4
WACC vs ROIC
8.84%
0.49%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 3.53
PSBH's Operating margin (%) is ranked lower than
91% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.90 vs. PSBH: 3.53 )
Ranked among companies with meaningful Operating margin (%) only.
PSBH' s 10-Year Operating margin (%) Range
Min: -35578.79  Med: 14.23 Max: 27.51
Current: 3.53
-35578.79
27.51
Net-margin (%) 3.65
PSBH's Net-margin (%) is ranked lower than
90% of the 1388 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.60 vs. PSBH: 3.65 )
Ranked among companies with meaningful Net-margin (%) only.
PSBH' s 10-Year Net-margin (%) Range
Min: -21609.09  Med: 11.24 Max: 20.23
Current: 3.65
-21609.09
20.23
ROE (%) 0.87
PSBH's ROE (%) is ranked lower than
89% of the 1390 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.16 vs. PSBH: 0.87 )
Ranked among companies with meaningful ROE (%) only.
PSBH' s 10-Year ROE (%) Range
Min: -15.96  Med: 3.01 Max: 6.7
Current: 0.87
-15.96
6.7
ROA (%) 0.10
PSBH's ROA (%) is ranked lower than
89% of the 1399 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. PSBH: 0.10 )
Ranked among companies with meaningful ROA (%) only.
PSBH' s 10-Year ROA (%) Range
Min: -1.47  Med: 0.29 Max: 0.62
Current: 0.1
-1.47
0.62
ROC (Joel Greenblatt) (%) 10.93
PSBH's ROC (Joel Greenblatt) (%) is ranked lower than
85% of the 1381 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.24 vs. PSBH: 10.93 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PSBH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -264.88  Med: 30.06 Max: 106.24
Current: 10.93
-264.88
106.24
Revenue Growth (3Y)(%) -4.00
PSBH's Revenue Growth (3Y)(%) is ranked lower than
75% of the 1174 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.00 vs. PSBH: -4.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PSBH' s 10-Year Revenue Growth (3Y)(%) Range
Min: -82.5  Med: 5.20 Max: 494.4
Current: -4
-82.5
494.4
EBITDA Growth (3Y)(%) -11.40
PSBH's EBITDA Growth (3Y)(%) is ranked lower than
85% of the 1035 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. PSBH: -11.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PSBH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -22.7  Med: -5.80 Max: 27.1
Current: -11.4
-22.7
27.1
EPS Growth (3Y)(%) -2.00
PSBH's EPS Growth (3Y)(%) is ranked lower than
75% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.40 vs. PSBH: -2.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PSBH' s 10-Year EPS Growth (3Y)(%) Range
Min: -29.2  Med: 1.60 Max: 38.7
Current: -2
-29.2
38.7
» PSBH's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 114.84
PSBH's P/E(ttm) is ranked lower than
98% of the 1251 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. PSBH: 114.84 )
Ranked among companies with meaningful P/E(ttm) only.
PSBH' s 10-Year P/E(ttm) Range
Min: 13.27  Med: 35.50 Max: 118.06
Current: 114.84
13.27
118.06
PE(NRI) 118.70
PSBH's PE(NRI) is ranked lower than
98% of the 1248 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.80 vs. PSBH: 118.70 )
Ranked among companies with meaningful PE(NRI) only.
PSBH' s 10-Year PE(NRI) Range
Min: 13.45  Med: 35.48 Max: 121.43
Current: 118.7
13.45
121.43
P/B 1.04
PSBH's P/B is ranked higher than
54% of the 1349 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. PSBH: 1.04 )
Ranked among companies with meaningful P/B only.
PSBH' s 10-Year P/B Range
Min: 0.43  Med: 0.87 Max: 1.59
Current: 1.04
0.43
1.59
P/S 4.31
PSBH's P/S is ranked lower than
74% of the 1371 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.99 vs. PSBH: 4.31 )
Ranked among companies with meaningful P/S only.
PSBH' s 10-Year P/S Range
Min: 1.33  Med: 3.86 Max: 7.37
Current: 4.31
1.33
7.37
PFCF 118.14
PSBH's PFCF is ranked lower than
98% of the 803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.27 vs. PSBH: 118.14 )
Ranked among companies with meaningful PFCF only.
PSBH' s 10-Year PFCF Range
Min: 2.72  Med: 22.49 Max: 121.43
Current: 118.14
2.72
121.43
POCF 14.77
PSBH's POCF is ranked lower than
72% of the 916 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.79 vs. PSBH: 14.77 )
Ranked among companies with meaningful POCF only.
PSBH' s 10-Year POCF Range
Min: 2.68  Med: 10.12 Max: 360
Current: 14.77
2.68
360
EV-to-EBIT 194.06
PSBH's EV-to-EBIT is ranked lower than
99% of the 1255 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.99 vs. PSBH: 194.06 )
Ranked among companies with meaningful EV-to-EBIT only.
PSBH' s 10-Year EV-to-EBIT Range
Min: -237.8  Med: 66.15 Max: 195.1
Current: 194.06
-237.8
195.1
Days Sales Outstanding 32.71
PSBH's Days Sales Outstanding is ranked higher than
52% of the 769 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 33.98 vs. PSBH: 32.71 )
Ranked among companies with meaningful Days Sales Outstanding only.
PSBH' s 10-Year Days Sales Outstanding Range
Min: 28.45  Med: 54.88 Max: 20915.61
Current: 32.71
28.45
20915.61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.72
PSBH's Dividend Yield is ranked lower than
94% of the 2204 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. PSBH: 0.72 )
Ranked among companies with meaningful Dividend Yield only.
PSBH' s 10-Year Dividend Yield Range
Min: 0.35  Med: 2.20 Max: 10
Current: 0.72
0.35
10
Dividend Payout 0.43
PSBH's Dividend Payout is ranked lower than
66% of the 1287 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PSBH: 0.43 )
Ranked among companies with meaningful Dividend Payout only.
PSBH' s 10-Year Dividend Payout Range
Min: 0.29  Med: 0.70 Max: 1.5
Current: 0.43
0.29
1.5
Yield on cost (5-Year) 0.72
PSBH's Yield on cost (5-Year) is ranked lower than
92% of the 2195 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. PSBH: 0.72 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
PSBH' s 10-Year Yield on cost (5-Year) Range
Min: 0.35  Med: 2.20 Max: 10
Current: 0.72
0.35
10
Share Buyback Rate -0.30
PSBH's Share Buyback Rate is ranked higher than
70% of the 997 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. PSBH: -0.30 )
Ranked among companies with meaningful Share Buyback Rate only.
PSBH' s 10-Year Share Buyback Rate Range
Min: 3.3  Med: -0.30 Max: -4.9
Current: -0.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.21
PSBH's Price/Tangible Book is ranked lower than
52% of the 1328 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. PSBH: 1.21 )
Ranked among companies with meaningful Price/Tangible Book only.
PSBH' s 10-Year Price/Tangible Book Range
Min: 0.53  Med: 1.00 Max: 1.78
Current: 1.21
0.53
1.78
Price/Projected FCF 0.81
PSBH's Price/Projected FCF is ranked lower than
62% of the 775 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. PSBH: 0.81 )
Ranked among companies with meaningful Price/Projected FCF only.
PSBH' s 10-Year Price/Projected FCF Range
Min: 0.29  Med: 0.52 Max: 0.76
Current: 0.81
0.29
0.76
Price/Median PS Value 1.12
PSBH's Price/Median PS Value is ranked lower than
56% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. PSBH: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
PSBH' s 10-Year Price/Median PS Value Range
Min: 0.42  Med: 0.97 Max: 1.81
Current: 1.12
0.42
1.81
Price/Graham Number 2.54
PSBH's Price/Graham Number is ranked lower than
97% of the 1155 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. PSBH: 2.54 )
Ranked among companies with meaningful Price/Graham Number only.
PSBH' s 10-Year Price/Graham Number Range
Min: 0.68  Med: 1.35 Max: 2.49
Current: 2.54
0.68
2.49
Earnings Yield (Greenblatt) (%) 0.50
PSBH's Earnings Yield (Greenblatt) (%) is ranked lower than
89% of the 1372 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. PSBH: 0.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PSBH' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.5  Med: 1.40 Max: 2.5
Current: 0.5
0.5
2.5
Forward Rate of Return (Yacktman) (%) -5.76
PSBH's Forward Rate of Return (Yacktman) (%) is ranked lower than
81% of the 765 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. PSBH: -5.76 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PSBH' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -58.3  Med: 8.80 Max: 14.8
Current: -5.76
-58.3
14.8

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
PSB Holdings Inc is a federally chartered holding company formed on May 27, 2003. Putnam Bank was founded in 1862 as a state-chartered mutual savings bank. In October 2004, the bank converted to a federally chartered stock savings bank in connection with the offering of common stock by the Company. The Companys business includes attracting deposits from the general public in Windham County and New London County, Connecticut and investing deposits, together with funds generated from operations, in one- to four-family residential mortgage loans and, to a lesser extent, commercial real estate loans (including multi-family real estate loans), commercial loans, construction mortgage loans and consumer loans, and in investment securities. The Company faces intense competition within its market area in making loans and attracting deposits.
» More Articles for PSBH

Headlines

Articles On GuruFocus.com
PSB Holdings Inc. Reports Operating Results (10-Q) Feb 14 2011 
PSB Holdings Inc. Reports Operating Results (10-Q) Nov 12 2010 
PSB Holdings Inc. (PSBH) Chairman of the Board Thomas A Borner buys 5,000 Shares Sep 27 2010 
PSB Holdings Inc. Reports Operating Results (10-K) Sep 24 2010 
PSB Holdings Inc. Reports Operating Results (10-Q) May 17 2010 
PSB Holdings Inc. Reports Operating Results (10-Q) Feb 16 2010 
PSB Holdings Inc. Reports Operating Results (10-Q) Nov 16 2009 
PSB Holdings Inc. Reports Operating Results (10-K) Sep 28 2009 
PSB Holdings Inc. Reports Operating Results (10-Q) May 15 2009 
PSB Holdings Inc. Reports Operating Results (10-Q) Feb 13 2009 

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