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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 0.23
PSBH's Cash to Debt is ranked higher than
57% of the 1566 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. PSBH: 0.23 )
PSBH' s 10-Year Cash to Debt Range
Min: 0.03   Max: No Debt
Current: 0.23

Equity to Asset 0.11
PSBH's Equity to Asset is ranked higher than
79% of the 2010 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: 0.07   Max: 0.16
Current: 0.11

0.07
0.16
Interest Coverage 0.29
PSBH's Interest Coverage is ranked lower than
51% of the 1837 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 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 (%) 10.05
PSBH's Operating margin (%) is ranked higher than
54% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.33 vs. PSBH: 10.05 )
PSBH' s 10-Year Operating margin (%) Range
Min: -35578.79   Max: 27.51
Current: 10.05

-35578.79
27.51
Net-margin (%) 8.53
PSBH's Net-margin (%) is ranked higher than
54% of the 2021 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.41 vs. PSBH: 8.53 )
PSBH' s 10-Year Net-margin (%) Range
Min: -21609.09   Max: 20.23
Current: 8.53

-21609.09
20.23
ROE (%) 2.09
PSBH's ROE (%) is ranked higher than
53% of the 2031 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.59 vs. PSBH: 2.09 )
PSBH' s 10-Year ROE (%) Range
Min: -15.96   Max: 6.7
Current: 2.09

-15.96
6.7
ROA (%) 0.23
PSBH's ROA (%) is ranked higher than
54% of the 2034 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. PSBH: 0.23 )
PSBH' s 10-Year ROA (%) Range
Min: -1.47   Max: 0.62
Current: 0.23

-1.47
0.62
ROC (Joel Greenblatt) (%) 30.67
PSBH's ROC (Joel Greenblatt) (%) is ranked higher than
60% of the 2003 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 76.89 vs. PSBH: 30.67 )
PSBH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -264.88   Max: 106.24
Current: 30.67

-264.88
106.24
Revenue Growth (3Y)(%) -4.00
PSBH's Revenue Growth (3Y)(%) is ranked higher than
63% of the 1740 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. PSBH: -4.00 )
PSBH' s 10-Year Revenue Growth (3Y)(%) Range
Min: -82.5   Max: 494.4
Current: -4

-82.5
494.4
EBITDA Growth (3Y)(%) -11.40
PSBH's EBITDA Growth (3Y)(%) is ranked higher than
58% of the 1563 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. PSBH: -11.40 )
PSBH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -22.7   Max: 27.1
Current: -11.4

-22.7
27.1
EPS Growth (3Y)(%) -2.00
PSBH's EPS Growth (3Y)(%) is ranked higher than
64% of the 1547 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. PSBH: -2.00 )
PSBH' s 10-Year EPS Growth (3Y)(%) 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) 43.80
PSBH's P/E(ttm) is ranked higher than
65% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.80 vs. PSBH: 43.80 )
PSBH' s 10-Year P/E(ttm) Range
Min: 13.27   Max: 64.97
Current: 43.8

13.27
64.97
P/B 0.95
PSBH's P/B is ranked higher than
83% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.33 vs. PSBH: 0.95 )
PSBH' s 10-Year P/B Range
Min: 0.43   Max: 1.59
Current: 0.95

0.43
1.59
P/S 3.87
PSBH's P/S is ranked higher than
70% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.56 vs. PSBH: 3.87 )
PSBH' s 10-Year P/S Range
Min: 1.33   Max: 7.37
Current: 3.87

1.33
7.37
PFCF 107.71
PSBH's PFCF is ranked higher than
72% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PSBH: 107.71 )
PSBH' s 10-Year PFCF Range
Min: 2.72   Max: 255
Current: 107.71

2.72
255
EV-to-EBIT 72.31
PSBH's EV-to-EBIT is ranked higher than
59% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 19.47 vs. PSBH: 72.31 )
PSBH' s 10-Year EV-to-EBIT Range
Min: -237.8   Max: 111.7
Current: 72.31

-237.8
111.7
Shiller P/E 93.37
PSBH's Shiller P/E is ranked higher than
76% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. PSBH: 93.37 )
PSBH' s 10-Year Shiller P/E Range
Min: 32   Max: 698
Current: 93.37

32
698

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
PSBH's Price/Tangible Book is ranked higher than
82% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.58 vs. PSBH: 1.10 )
PSBH' s 10-Year Price/Tangible Book Range
Min: 0.53   Max: 1.78
Current: 1.1

0.53
1.78
Price/DCF (Projected) 0.71
PSBH's Price/DCF (Projected) is ranked higher than
84% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.09 vs. PSBH: 0.71 )
PSBH' s 10-Year Price/DCF (Projected) Range
Min: 0.37   Max: 0.69
Current: 0.71

0.37
0.69
Price/Median PS Value 1.04
PSBH's Price/Median PS Value is ranked higher than
81% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.21 vs. PSBH: 1.04 )
PSBH' s 10-Year Price/Median PS Value Range
Min: 0.44   Max: 1.87
Current: 1.04

0.44
1.87
Price/Graham Number 1.50
PSBH's Price/Graham Number is ranked higher than
67% of the 2636 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. PSBH: 1.50 )
PSBH' s 10-Year Price/Graham Number Range
Min: 0.68   Max: 2.49
Current: 1.5

0.68
2.49
Earnings Yield (Greenblatt) 1.40
PSBH's Earnings Yield (Greenblatt) is ranked higher than
54% of the 1996 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.60 vs. PSBH: 1.40 )
PSBH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 2.5
Current: 1.4

0.9
2.5

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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