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PSB HoldingsPSBQ -0.48%47 PEG Ratio is 3.01 as of Sep. 12, 2026, which is 135% above its 10-year median of 1.28. 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 1,224 Banks companies, PSB Holdings ranks worse than 73.53% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use for banks is the 5-Year Book Value growth rate. As of today, PSB Holdings's PE Ratio without NRI is 14.73. PSB Holdings's 5-Year Book Value growth rate is 4.90%. Therefore, PSB Holdings's PEG Ratio for today is 3.01.
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for PSB Holdings's PEG Ratio or its related term are showing as below:
PSBQ'
s PEG Ratio Range Over the Past 10 Years
Min: 0.69 Med: 1.28 Max: 4.41
Current: 3.01
During the past 13 years, PSB Holdings's highest PEG Ratio was 4.41. The lowest was 0.69. And the median was 1.28.
PSBQ's PEG Ratio is ranked worse than 73.53% of 1224
companies
in the Banks industry
Industry Median: 1.55
vs PSBQ: 3.01
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
PSB Holdings PEG Ratio Related Terms
PSB Holdings PEG Ratio Historical Data
* Premium members only.
The historical data trend for PSB Holdings's PEG 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.
For the Banks - Regional subindustry, PSB Holdings's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PSB Holdings's PEG Ratio distribution charts can be found below:
* The bar in red indicates where PSB Holdings's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
PSB Holdings (PSBQ) has a PEG Ratio of 3.01 as of Sep. 12, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on PSB Holdings and its competitors. This is 135% above median its historical median of 1.28. Over the past decade, PSB Holdings' PEG Ratio has ranged from 0.69 to 4.41. According to the industry distribution chart, PSB Holdings ranks #900 out of 1224 companies in the Banks industry, placing it in the top 73.5%.
Is PSB Holdings' PEG Ratio too high?
PSB Holdings' current PEG Ratio of 3.01 is 135% above median its 10-year median of 1.28. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 4.41. The Banks industry median PEG Ratio is 1.55. PSB Holdings' value of 3.01 is 94.2% above this industry median. Based on the distribution chart, PSB Holdings ranks #900 out of 1224 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' PEG Ratio compare to OAKC and FCAP?
According to the Banks industry distribution chart, PSB Holdings ranks #900 out of 1224 companies for PEG Ratio. This places PSB Holdings in the lower half of its industry. The industry median PEG Ratio is 1.55. PSB Holdings' value of 3.01 is 94.2% above this benchmark. Historically, PSB Holdings' own PEG Ratio has ranged from 0.69 to 4.41 over the past decade. While the company's 10-year median is 1.28 vs. the industry median of 1.55, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.55, based on 1,224 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PSB Holdings's current PEG Ratio of 3.01 is 94.2% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on PSB Holdings and its competitors. For the Banks industry, the median PEG Ratio is 1.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PSB Holdings's current PEG Ratio is 3.01, which is 135% above median its own 10-year median of 1.28. 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 PEG Ratio is 3.01, which is 135% above median its 10-year median of 1.28 and 94.2% above the Banks industry median of 1.55. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For PSB Holdings (PSBQ), the current PEG Ratio is 3.01 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:
PEG Ratio: 3.01 (135% above median its 10-year median of 1.28)
GF Value™: $29.32 vs. price of $52.73 (79.9% above fair value)
Industry Position: 94.2% above the Banks median (#900 of 1224)
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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