PSBQ (PSB Holdings) Dividend Payout Ratio: 0.42 (As of Mar. 2026) — 163% Above Median

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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 Dividend Payout Ratio?

PSB Holdings PSBQ -0.48% 47 Dividend Payout Ratio is 0.42 as of Mar. 2026, which is 163% above its 10-year median of 0.16. 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 1,169 Banks companies, PSB Holdings ranks better than 69.89% on this metric.

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. PSB Holdings's Dividend Payout Ratio for the months ended in Mar. 2026 was 0.42.

The historical rank and industry rank for PSB Holdings's Dividend Payout Ratio or its related term are showing as below:

PSBQ' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.08   Med: 0.16   Max: 0.26
Current: 0.24

During the past 13 years, the highest Dividend Payout Ratio of PSB Holdings was 0.26. The lowest was 0.08. And the median was 0.16.

PSBQ's Dividend Payout Ratio is ranked better than
69.89% of 1169 companies
in the Banks industry
Industry Median: 0.32 vs PSBQ: 0.24

As of today (2026-09-12), the Dividend Yield % of PSB Holdings is 1.33%.

During the past 13 years, the highest Trailing Annual Dividend Yield of PSB Holdings was 3.93%. The lowest was 0.64%. And the median was 1.75%.

PSB Holdings's Dividends per Share for the months ended in Mar. 2026 was $0.34.

During the past 12 months, PSB Holdings's average Dividends Per Share Growth Rate was 6.30% per year. During the past 3 years, the average Dividends Per Share Growth Rate was 9.70% per year. During the past 5 years, the average Dividends Per Share Growth Rate was 2.00% per year. During the past 10 years, the average Dividends Per Share Growth Rate was 8.40% per year.

During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of PSB Holdings was 36.30% per year. The lowest was -21.50% per year. And the median was 5.25% per year.

The growth rate is calculated with least square regression.

For more information regarding to dividend, please check our Dividend Page.

* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.

PSB Holdings (OTCPK:PSBQ) Dividend Payout Ratio Explanation

In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.

PSB Holdings Dividend Payout Ratio Related Terms

PSB Holdings Dividend Payout Ratio Historical Data

* Premium members only.

The historical data trend for PSB Holdings's Dividend Payout Ratio 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 Dividend Payout Ratio Chart

PSB Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Dividend Payout Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.16 0.16 0.14 0.26 0.20

PSB Holdings Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Dividend Payout Ratio 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 0.40 0.00 0.42 0.19

PSBQ vs OAKC, FCAP, PBNC: Dividend Payout Ratio Comparison

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

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

* The bar in red indicates where PSB Holdings's Dividend Payout Ratio falls into.


PSBQ
47GF Score
PSB Holdings Inc PSBQ
Dividend Payout Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PSB Holdings Dividend Payout Ratio Calculation

The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.

PSB Holdings's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Dividend Payout Ratio=Dividends per Share (A: Dec. 2025 )/ EPS without NRI (A: Dec. 2025 )
=0.66/ 3.294
=0.20

PSB Holdings's Dividend Payout Ratio for the quarter that ended in Mar. 2026 is calculated as

Dividend Payout Ratio=Dividends per Share (Q: Mar. 2026 )/ EPS without NRI (Q: Mar. 2026 )
=0.34/ 0.812
=0.42

* 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 Dividend Payout Ratio →
What does a Dividend Payout Ratio of 0.42 mean?
PSB Holdings (PSBQ) has a Dividend Payout Ratio of 0.42 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on PSB Holdings and its competitors. This is 163% above median its historical median of 0.16. Over the past decade, PSB Holdings' Dividend Payout Ratio has ranged from 0.08 to 0.26. According to the industry distribution chart, PSB Holdings ranks #352 out of 1169 companies in the Banks industry, placing it in the top 30.1%.
Is PSB Holdings' Dividend Payout Ratio too high?
PSB Holdings' current Dividend Payout Ratio of 0.42 is 163% above median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.26. The Banks industry median Dividend Payout Ratio is 0.32. PSB Holdings' value of 0.42 is 31.3% above this industry median. Based on the distribution chart, PSB Holdings ranks #352 out of 1169 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' Dividend Payout Ratio compare to OAKC and FCAP?
According to the Banks industry distribution chart, PSB Holdings ranks #352 out of 1169 companies for Dividend Payout Ratio. This puts PSB Holdings in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. PSB Holdings' value of 0.42 is 31.3% above this benchmark. Historically, PSB Holdings' own Dividend Payout Ratio has ranged from 0.08 to 0.26 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,169 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PSB Holdings's current Dividend Payout Ratio of 0.42 is 31.3% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on PSB Holdings and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PSB Holdings's current Dividend Payout Ratio is 0.42, which is 163% above median its own 10-year median of 0.16. 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 Dividend Payout Ratio is 0.42, which is 163% above median its 10-year median of 0.16 and 31.3% above the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For PSB Holdings (PSBQ), the current Dividend Payout Ratio is 0.42 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:

  • Dividend Payout Ratio: 0.42 (163% above median its 10-year median of 0.16)
  • GF Value™: $29.32 vs. price of $52.73 (79.9% above fair value)
  • GF Score™: 47/100 with 7 warning signs
  • Industry Position: 31.3% above the Banks median (#352 of 1169)

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

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

$52.73
Price
$29.32
GF Value