PSBQ (PSB Holdings) EV-to-OCF: (As of Sep. 12, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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PSBQ PSB Holdings Inc PSBQ
47 GF Score
Price $52.73
GF Value $29.32
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is PSB Holdings EV-to-OCF?

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, PSB Holdings's Enterprise Value is $370.53 Mil. PSB Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $0.00 Mil. Therefore, PSB Holdings's EV-to-OCF for today is .

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

PSBQ' s EV-to-OCF Range Over the Past 10 Years
Min: 22.86   Med: 0   Max: 22.86
Current: 22.86

During the past 13 years, the highest EV-to-OCF of PSB Holdings was 22.86. The lowest was 22.86. And the median was .

PSBQ's EV-to-OCF is ranked worse than
90.77% of 1485 companies
in the Banks industry
Industry Median: 4.04 vs PSBQ: 22.86

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-09-12), PSB Holdings's stock price is $52.734. PSB Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.460. Therefore, PSB Holdings's PE Ratio (TTM) for today is 15.24.


PSB Holdings  (OTCPK:PSBQ) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

PSB Holdings's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=52.734/3.460
=15.24

PSB Holdings's share price for today is $52.734.
PSB Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.460.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.


PSB Holdings EV-to-OCF Related Terms


PSB Holdings EV-to-OCF Historical Data

* Premium members only.

The historical data trend for PSB Holdings's EV-to-OCF 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.

PSB Holdings EV-to-OCF Chart

PSB Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.51 7.29 17.51 18.61 13.64

PSB Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-OCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 13.64 0.00 0.00

PSBQ vs OAKC, FCAP, PBNC: EV-to-OCF Comparison

For the Banks - Regional subindustry, PSB Holdings's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry

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

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


PSBQ
47GF Score
PSB Holdings Inc PSBQ
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PSB Holdings EV-to-OCF Calculation

PSB Holdings's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=370.534/0
=

PSB Holdings's current Enterprise Value is $370.53 Mil.
PSB Holdings's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* 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.

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:

  • EV-to-OCF:
  • GF Value™: $29.32 vs. price of $52.73 (79.9% above fair value)
  • GF Score™: 47/100 with 7 warning signs

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 Business Description

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

Get the complete analysis for PSBQ

EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$52.73
Price
$29.32
GF Value