PSBQ (PSB Holdings) LT-Debt-to-Total-Asset: 0.11 (As of Mar. 2026)

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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
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What is PSB Holdings LT-Debt-to-Total-Asset?

PSB Holdings PSBQ -0.48% 47 LT-Debt-to-Total-Asset is 0.11 as of Mar. 2026. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. PSB Holdings's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.11.

PSB Holdings's long-term debt to total assets ratio declined from Mar. 2025 (0.13) to Mar. 2026 (0.11). It may suggest that PSB Holdings is progressively becoming less dependent on debt to grow their business.

PSB Holdings  (OTCPK:PSBQ) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

PSB Holdings LT-Debt-to-Total-Asset Related Terms

PSB Holdings LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for PSB Holdings's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

PSB Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.05 0.05 0.11 0.12 0.09

PSB Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
LT-Debt-to-Total-Asset 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 0.13 0.11 0.09 0.11 0.11
PSBQ
47GF Score
PSB Holdings Inc PSBQ
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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PSB Holdings LT-Debt-to-Total-Asset Calculation

PSB Holdings's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=130.864/1461.472
=0.09

PSB Holdings's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=159.009/1495.384
=0.11

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.11 mean?
PSB Holdings (PSBQ) has a LT-Debt-to-Total-Asset of 0.11 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on PSB Holdings and its competitors.
Is PSB Holdings' LT-Debt-to-Total-Asset too high?
PSB Holdings' current LT-Debt-to-Total-Asset is 0.11. 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' LT-Debt-to-Total-Asset compare to OAKC and FCAP?
PSB Holdings' LT-Debt-to-Total-Asset of 0.11 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on PSB Holdings and its competitors. PSB Holdings's current LT-Debt-to-Total-Asset is 0.11. 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 LT-Debt-to-Total-Asset is 0.11. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For PSB Holdings (PSBQ), the current LT-Debt-to-Total-Asset is 0.11 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:

  • LT-Debt-to-Total-Asset: 0.11
  • 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

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$52.73
Price
$29.32
GF Value