PSBQ (PSB Holdings) Moat Score: 3/10 (As of Sep. 12, 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 Moat Score?

PSB Holdings PSBQ -0.48% 47 Moat Score is 3 as of Sep. 12, 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. Among 1,599 Banks companies, PSB Holdings ranks better than 74.55% on this metric.

PSB Holdings has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

PSB Holdings has No Moat: PSB Holdings Inc operates in a highly competitive regional banking market with limited differentiation. It lacks significant customer switching costs, intellectual property, or regulatory advantages, resulting in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes PSB Holdings might have No Moat - Very weak/transient advantages.

PSB Holdings  (OTCPK:PSBQ) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

PSB Holdings Moat Score Related Terms

PSBQ vs OAKC, FCAP, PBNC: Moat Score Comparison

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

For the Banks industry and Financial Services sector, PSB Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where PSB Holdings's Moat Score falls into.


PSBQ
47GF Score
PSB Holdings Inc PSBQ
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
PSB Holdings (PSBQ) has a Moat Score of 3 as of Sep. 12, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, PSB Holdings ranks #407 out of 1599 companies in the Banks industry, placing it in the top 25.5%.
Is PSB Holdings' Moat Score too high?
PSB Holdings' current Moat Score is 3. Based on the distribution chart, PSB Holdings ranks #407 out of 1599 companies in the Banks industry, which is above 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' Moat Score compare to OAKC and FCAP?
According to the Banks industry distribution chart, PSB Holdings ranks #407 out of 1599 companies for Moat Score. This puts PSB Holdings in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. PSB Holdings's current Moat Score is 3. 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 Moat Score is 3. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For PSB Holdings (PSBQ), the current Moat Score is 3 as of Sep. 12, 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:

  • Moat Score: 3
  • 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

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

$52.73
Price
$29.32
GF Value