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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 0.14
PSBH's Cash to Debt is ranked higher than
53% of the 1375 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.49 vs. PSBH: 0.14 )
PSBH' s 10-Year Cash to Debt Range
Min: 0.05   Max: 0.24
Current: 0.14

0.05
0.24
Equity to Asset 0.11
PSBH's Equity to Asset is ranked higher than
80% of the 1762 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. PSBH: 0.11 )
PSBH' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.16
Current: 0.11

0.08
0.16
Interest Coverage 0.29
PSBH's Interest Coverage is ranked higher than
51% of the 1631 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.27 vs. PSBH: 0.29 )
PSBH' s 10-Year Interest Coverage Range
Min: 0.15   Max: 0.47
Current: 0.29

0.15
0.47
F-Score: 4
Z-Score: 0.21
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 (%) 9.32
PSBH's Operating margin (%) is ranked higher than
54% of the 1787 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.70 vs. PSBH: 9.32 )
PSBH' s 10-Year Operating margin (%) Range
Min: -35578.79   Max: 27.51
Current: 9.32

-35578.79
27.51
Net-margin (%) 8.09
PSBH's Net-margin (%) is ranked higher than
55% of the 1787 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.59 vs. PSBH: 8.09 )
PSBH' s 10-Year Net-margin (%) Range
Min: -21609.09   Max: 20.23
Current: 8.09

-21609.09
20.23
ROE (%) 1.98
PSBH's ROE (%) is ranked higher than
53% of the 1794 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. PSBH: 1.98 )
PSBH' s 10-Year ROE (%) Range
Min: -15.96   Max: 6.7
Current: 1.98

-15.96
6.7
ROA (%) 0.22
PSBH's ROA (%) is ranked higher than
55% of the 1794 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. PSBH: 0.22 )
PSBH' s 10-Year ROA (%) Range
Min: -1.47   Max: 0.62
Current: 0.22

-1.47
0.62
ROC (Joel Greenblatt) (%) 27.95
PSBH's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 1768 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.73 vs. PSBH: 27.95 )
PSBH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -264.88   Max: 106.24
Current: 27.95

-264.88
106.24
Revenue Growth (%) -4.00
PSBH's Revenue Growth (%) is ranked higher than
64% of the 1560 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. PSBH: -4.00 )
PSBH' s 10-Year Revenue Growth (%) Range
Min: -82.5   Max: 494.4
Current: -4

-82.5
494.4
EBITDA Growth (%) -11.40
PSBH's EBITDA Growth (%) is ranked higher than
59% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. PSBH: -11.40 )
PSBH' s 10-Year EBITDA Growth (%) Range
Min: -22.7   Max: 27.1
Current: -11.4

-22.7
27.1
EPS Growth (%) -2.00
PSBH's EPS Growth (%) is ranked higher than
65% of the 1419 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. PSBH: -2.00 )
PSBH' s 10-Year EPS Growth (%) Range
Min: -29.2   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) 46.50
PSBH's P/E(ttm) is ranked higher than
58% of the 1931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.80 vs. PSBH: 46.50 )
PSBH' s 10-Year P/E(ttm) Range
Min: 13.27   Max: 64.97
Current: 46.5

13.27
64.97
P/B 1.00
PSBH's P/B is ranked higher than
80% of the 1931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.16 vs. PSBH: 1.00 )
PSBH' s 10-Year P/B Range
Min: 0.43   Max: 1.59
Current: 1

0.43
1.59
P/S 3.90
PSBH's P/S is ranked higher than
64% of the 1931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.07 vs. PSBH: 3.90 )
PSBH' s 10-Year P/S Range
Min: 1.33   Max: 7.37
Current: 3.9

1.33
7.37
EV-to-EBIT 82.83
PSBH's EV-to-EBIT is ranked higher than
57% of the 1931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.86 vs. PSBH: 82.83 )
PSBH' s 10-Year EV-to-EBIT Range
Min: -237.8   Max: 111.7
Current: 82.83

-237.8
111.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.11
PSBH's Price/Tangible Book is ranked higher than
78% of the 1931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. PSBH: 1.11 )
PSBH' s 10-Year Price/Tangible Book Range
Min: 0.69   Max: 1.76
Current: 1.11

0.69
1.76
Price/DCF (Projected) 0.76
PSBH's Price/DCF (Projected) is ranked higher than
78% of the 1931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.18 vs. PSBH: 0.76 )
PSBH' s 10-Year Price/DCF (Projected) Range
Min: 0.37   Max: 0.67
Current: 0.76

0.37
0.67
Price/Median PS Value 1.06
PSBH's Price/Median PS Value is ranked higher than
75% of the 1931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. PSBH: 1.06 )
PSBH' s 10-Year Price/Median PS Value Range
Min: 0.54   Max: 1.87
Current: 1.06

0.54
1.87
Price/Graham Number 1.56
PSBH's Price/Graham Number is ranked higher than
61% of the 1931 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. PSBH: 1.56 )
PSBH' s 10-Year Price/Graham Number Range
Min: 0.89   Max: 1.83
Current: 1.56

0.89
1.83
Earnings Yield (Greenblatt) 1.20
PSBH's Earnings Yield (Greenblatt) is ranked higher than
53% of the 1739 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. PSBH: 1.20 )
PSBH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 2.5
Current: 1.2

0.9
2.5
Forward Rate of Return (Yacktman) 5.00
PSBH's Forward Rate of Return (Yacktman) is ranked higher than
61% of the 1409 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.57 vs. PSBH: 5.00 )
PSBH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -46.4   Max: 15.2
Current: 5

-46.4
15.2

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 for the purpose of acquiring all of the common stock of Putnam Bank concurrent with the Bank's reorganization from a mutual savings institution to the mutual holding company form of organization. In October 2004, the Bank converted to a federally chartered stock savings bank in connection with the offering of common stock by PSB Holdings, Inc. It is a public company, and files interim, quarterly and annual reports with the Securities and Exchange Commission. The Company's main business consists of attracting deposits from the general public in Windham County and New London County, Connecticut and investing those deposits, together with funds generated from operations, mainly 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. Its revenues are derived mainly from interest on loans and securities, and from loan origination and servicing fees. The Company's sources of funds are deposits and main and interest payments on loans and securities. Historically, its main lending activity has been the origination of first mortgage loans for the purchase or refinancing of one- to four-family residential real estate. The Company faces intense competition within its market area both 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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