PSB Holdings (PSB Holdings) Debt-to-Equity : 1.39 (As of Dec. 2023)

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What is PSB Holdings Debt-to-Equity?

PSB Holdings's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $0.00 Mil. PSB Holdings's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $151.70 Mil. PSB Holdings's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $109.29 Mil. PSB Holdings's debt to equity for the quarter that ended in Dec. 2023 was 1.39.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for PSB Holdings's Debt-to-Equity or its related term are showing as below:

PSBQ' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.51 Med: 0.69 Max: 1.39
Current: 1.39

During the past 13 years, the highest Debt-to-Equity Ratio of PSB Holdings was 1.39. The lowest was 0.51. And the median was 0.69.

PSBQ's Debt-to-Equity is ranked worse than
74.16% of 1393 companies
in the Banks industry
Industry Median: 0.69 vs PSBQ: 1.39

PSB Holdings Debt-to-Equity Historical Data

The historical data trend for PSB Holdings's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

PSB Holdings Debt-to-Equity Chart

PSB Holdings Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

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0.90

0.69

0.56

0.60

1.39

PSB Holdings Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Debt-to-Equity	Get a 7-Day Free Trial															0.60	1.29	1.49	1.47	1.39

Competitive Comparison of PSB Holdings's Debt-to-Equity

For the Banks - Regional subindustry, PSB Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

PSB Holdings's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, PSB Holdings's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where PSB Holdings's Debt-to-Equity falls into.

PSB Holdings Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

PSB Holdings's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	151.695)	/	109.287
	=	1.39

PSB Holdings's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	151.695)	/	109.287
	=	1.39

PSB Holdings (OTCPK:PSBQ) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

PSB Holdings Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of PSB Holdings's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

PSB Holdings (PSB Holdings) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » PSB Holdings Inc (OTCPK:PSBQ) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

1905 Stewart Avenue, P.O. Box 1686, Wausau, WI, USA, 54402-1686

Website

https://www.bankpeoples.com

PSB Holdings Inc operates as a community bank and provides a full range of traditional retail consumer and commercial banking products, including uninsured investment and insurance products, long-term fixed-rate residential mortgages, and commercial treasury management services.

Executives

Lee A Guenther	director	9165 DAVIES ROAD, MINOCQUA WI 54548-0050
Karla M Kieffer	director	803 MCINDOE STREET, WAUSAU WI 54403
Kevin J Kraft	director	3011 N 9TH STREET, WAUSAU WI 54403
Tim Sonnentag	director	205 NORTH STREET, PO BOX 100, MARATHON WI 54448-0100
Peter William Knitt	director, officer: President & CEO	PO BOX 1686, WAUSAU WI 54402-1686
John H Sonnentag	director	PEOPLES STATE BANK, PO BOX 1686, WAUSAU WI 54402-1686
Charles A Ghidorzi	director	PEOPLES STATE BANK, PO BOX 1686, WAUSAU WI 54402-1686
Thomas R Polzer	director	PEOPLES STATE BANK, PO BOX 1686, WAUSAU WI 54402-1686
William J Fish	director	PEOPLES STATE BANK, PO BOX 1686, WAUSAU WI 54402-1686
Patrick L Crooks	director	PEOPLES STATE BANK, PO BOX 1686, WAUSAU WI 54402-1686
Todd R Toppen	officer: Vice President	PEOPLES STATE BANK, PO BOX 1686, WAUSAU WI 54402-1686
Scott M Cattanach	officer: Treasurer	PEOPLES STATE BANK, PO BOX 1686, WAUSAU WI 54402-1686
Gordon P Connor	director	PEOPLES STATE BANK, PO BOX 1686, WAUSAU WI 54402-1686
Gordon P Gullickson	director	PEOPLES STATE BANK, PO BOX 1686, WAUSAU WI 54402-1686
David K Kopperud	director, officer: President	PEOPLES STATE BANK, PO BOX 1686, WAUSAU WI 54402-1686