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PSB HoldingsPSBQ -0.48%47 Debt-to-Equity is 1.19 as of Mar. 2026, which is 16% above its 10-year median of 1.03. GuruFocus rates PSBQ with a GF Score™ of 47/100 and a GF Value™ of $29.32 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,410 Banks companies, PSB Holdings ranks worse than 74.11% on this metric.
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: 0.56 Med: 1.03 Max: 1.87
Current: 1.26
During the past 13 years, the highest Debt-to-Equity Ratio of PSB Holdings was 1.87. The lowest was 0.56. And the median was 1.03.
PSBQ's Debt-to-Equity is ranked worse than 74.11% of 1410
companies
in the Banks industry
Industry Median: 0.58
vs PSBQ: 1.26
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
PSB Holdings Debt-to-Equity Historical Data
* Premium members only.
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.
PSBQ vs OAKC, FCAP, PBNC: Debt-to-Equity Comparison
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 Debt-to-Equity vs 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.
* 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.
PSB Holdings (PSBQ) has a Debt-to-Equity of 1.19 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PSB Holdings and its competitors. This is 16% above median its historical median of 1.03. Over the past decade, PSB Holdings' Debt-to-Equity has ranged from 0.56 to 1.87. According to the industry distribution chart, PSB Holdings ranks #1045 out of 1410 companies in the Banks industry, placing it in the top 74.1%.
Is PSB Holdings' Debt-to-Equity too high?
PSB Holdings' current Debt-to-Equity of 1.19 is 16% above median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 1.87. The Banks industry median Debt-to-Equity is 0.58. PSB Holdings' value of 1.19 is 105.2% above this industry median. Based on the distribution chart, PSB Holdings ranks #1045 out of 1410 companies in the Banks industry, which is below the industry midpoint. Overall, PSB Holdings has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PSB Holdings' Debt-to-Equity compare to OAKC and FCAP?
According to the Banks industry distribution chart, PSB Holdings ranks #1045 out of 1410 companies for Debt-to-Equity. This places PSB Holdings in the lower half of its industry. The industry median Debt-to-Equity is 0.58. PSB Holdings' value of 1.19 is 105.2% above this benchmark. Historically, PSB Holdings' own Debt-to-Equity has ranged from 0.56 to 1.87 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 0.58, PSB Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,410 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PSB Holdings's current Debt-to-Equity of 1.19 is 105.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PSB Holdings and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PSB Holdings's current Debt-to-Equity is 1.19, which is 16% above median its own 10-year median of 1.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PSB Holdings stock overvalued right now?
Based on GuruFocus' analysis, PSB Holdings (PSBQ) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.32, compared to a current price of $52.73 — trading 79.9% above its estimated fair value. The current Debt-to-Equity is 1.19, which is 16% above median its 10-year median of 1.03 and 105.2% above the Banks industry median of 0.58. PSB Holdings' overall GF Score™ is 47/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For PSB Holdings (PSBQ), the current Debt-to-Equity is 1.19 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PSB Holdings (PSBQ) Overvalued in 2026?
Based on GuruFocus' analysis, PSB Holdings stock appears to be overvalued.
The current stock price of $52.73 is trading 79.9% above its estimated GF Value™ of $29.32.
GuruFocus considers PSB Holdings to be Significantly Overvalued.
Key valuation signals for PSBQ:
Debt-to-Equity: 1.19 (16% above median its 10-year median of 1.03)
GF Value™: $29.32 vs. price of $52.73 (79.9% above fair value)
Industry Position: 105.2% above the Banks median (#1045 of 1410)
No single metric tells the full story. See the PSBQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PSB Holdings Inc is a , a full-service financial institution chartered as a state commercial bank. It 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. Its services include: Personal Banking; Business Banking; Mobile Banking; Online Banking; Overdraft; Mortgage; Loans; Credit/Debit Card services; Wealth Management Services and Others.
47GF Score
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