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5.71 (1y: +27%)
Market Cap 37.3 M P/E(ttm) 31.50
Enterprise Value 92.75 M P/B
PSBH- NAS (USA)
PSB Holdings, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$5.71
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt No Debt
PSBH's Cash to Debt is ranked lower than
81% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. PSBH: No Debt )
PSBH' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: No Debt
Interest Coverage No Debt
PSBH's Interest Coverage is ranked lower than
72% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. PSBH: No Debt )
PSBH' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 6
Z-Score: 0.25
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 6/10

vs
industry		 vs
history
Operating margin (%) 7.80
PSBH's Operating margin (%) is ranked lower than
59% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 25.80 vs. PSBH: 7.80 )
PSBH' s 10-Year Operating margin (%) Range
Min: -36690.6   Max: 27.5
Current: 7.8
-36690.6
27.5
Net-margin (%) 7.2
PSBH's Net-margin (%) is ranked lower than
59% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. PSBH: 7.2 )
PSBH' s 10-Year Net-margin (%) Range
Min: -22284.4   Max: 20.2
Current: 7.2
-22284.4
20.2
Revenue Growth (%) -3.2
PSBH's Revenue Growth (%) is ranked higher than
100% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. PSBH: -3.2 )
PSBH' s 10-Year Revenue Growth (%) Range
Min: -72.9   Max: 280.7
Current: -3.2
-72.9
280.7
EBITDA Growth (%) -8.7
PSBH's EBITDA Growth (%) is ranked lower than
99% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.10 vs. PSBH: -8.7 )
PSBH' s 10-Year EBITDA Growth (%) Range
Min: -17.6   Max: 19.7
Current: -8.7
-17.6
19.7
EPS Growth (%) -7.9
PSBH's EPS Growth (%) is ranked lower than
97% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.40 vs. PSBH: -7.9 )
PSBH' s 10-Year EPS Growth (%) Range
Min: -22.9   Max: 27.3
Current: -7.9
-22.9
27.3
ยป 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) 31.50
PSBH's P/E(ttm) is ranked lower than
71% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. PSBH: 31.50 )
PSBH' s 10-Year P/E(ttm) Range
Min: 13.45   Max: 63.83
Current: 31.5
13.45
63.83
P/S 2.80
PSBH's P/S is ranked lower than
63% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. PSBH: 2.80 )
PSBH' s 10-Year P/S Range
Min: 1.33   Max: 6.74
Current: 2.8
1.33
6.74
PFCF 8.90
PSBH's PFCF is ranked lower than
63% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. PSBH: 8.90 )
PSBH' s 10-Year PFCF Range
Min: 2.72   Max: 108
Current: 8.9
2.72
108
EV-to-EBIT 66.7
PSBH's EV-to-EBIT is ranked lower than
53% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.90 vs. PSBH: 66.7 )
PSBH' s 10-Year EV-to-EBIT Range
Min: 39.4   Max: 111.7
Current: 66.7
39.4
111.7
Shiller P/E 301.3
PSBH's Shiller P/E is ranked lower than
53% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.60 vs. PSBH: 301.3 )
PSBH' s 10-Year Shiller P/E Range
Min: 42.29   Max: 350
Current: 301.3
42.29
350

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 4.00
PSBH's Dividend Yield is ranked higher than
92% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. PSBH: 4.00 )
PSBH' s 10-Year Dividend Yield Range
Min: 0.42   Max: 10
Current: 4
0.42
10
Dividend growth (3y) -100
PSBH's Dividend growth (3y) is ranked higher than
54% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -21.50 vs. PSBH: -100 )
PSBH' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 19.9
Current: -100
0
19.9
Yield on cost (5-Year) 4.00
PSBH's Yield on cost (5-Year) is ranked higher than
89% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.92 vs. PSBH: 4.00 )
PSBH' s 10-Year Yield on cost (5-Year) Range
Min: 0.42   Max: 10
Current: 4
0.42
10
Share Buyback Rate -0.2
PSBH's Share Buyback Rate is ranked higher than
77% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.75 vs. PSBH: -0.2 )
PSBH' s 10-Year Share Buyback Rate Range
Min: 2.9   Max: -3.6
Current: -0.2

Valuation & Return

vs
industry		 vs
history
Price/DCF (Projected) 0.4
PSBH's Price/DCF (Projected) is ranked higher than
54% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.50 vs. PSBH: 0.4 )
PSBH' s 10-Year Price/DCF (Projected) Range
Min: 0.3   Max: 0.4
Current: 0.4
0.3
0.4
Price/Median PS Value 0.8
PSBH's Price/Median PS Value is ranked lower than
53% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. PSBH: 0.8 )
PSBH' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.7
Current: 0.8
0.6
1.7
Earnings Yield (Greenblatt) 1.50
PSBH's Earnings Yield (Greenblatt) is ranked lower than
87% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. PSBH: 1.50 )
PSBH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 2.5
Current: 1.5
0.9
2.5
Forward Rate of Return (Yacktman) 11.56
PSBH's Forward Rate of Return (Yacktman) is ranked higher than
75% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.01 vs. PSBH: 11.56 )
PSBH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -34.6   Max: 28.3
Current: 11.56
-34.6
28.3

Business Description

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.
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC
ยป 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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