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PSB Holdings, Inc. PSBQ | OTC

$50.00 -$1.99 | -3.83%

TREND SIGNAL: Signal available — unlock to view

|2026-10-07

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Company Overview:

Market Cap: $201.08M

Trailing PE: 14.5x

FWD PE: —

Payout Ratio (TTM): 0.0%

52-Week Range: $23.60 - $54.00

10 Year PSBQ Performance Metrics:

Total Return (with DRIP): 287.9% (14.52% CAGR)

Total Return (no DRIP): 246.7% (13.24% CAGR)

Share Price: 215.9% (12.19% CAGR)

Yield on Cost (with DRIP): 2.79%

Total Invested: $10,000

Total Value (with DRIP): $38,791

Total Return $ (with DRIP): $28,791

Dividend Increase: 12.5% (1.25% CAGR)

Dividend Yield (FWD): 0.72% ($0.36)

PSBQ 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

PSBQ Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

PSBQ Price CAGR:1Y: 96.85%2Y: 37.96%5Y: 14.00%10Y: 12.07%

PSBQ Dividend Charts

PSBQ - Dividends

PSBQ Dividend CAGR:1Y: -40.05%2Y: -22.63%5Y: -4.56%10Y: 1.79%

PSBQ - Dividend Payout Ratio

PSBQ Dividend Payout Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

PSBQ - Dividend to Free Cash Flow Ratio

PSBQ Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

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PSBQ Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

PSBQ - Revenue

PSBQ Revenue CAGR:1Y: 3.92%2Y: 6.18%5Y: 11.97%10Y: 10.71%

PSBQ - Earnings Per Share (EPS)

PSBQ EPS CAGR:1Y: -8.99%2Y: 20.27%5Y: 11.03%10Y: 6.29%

PSBQ - Net Income

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PSBQ Net Income CAGR:1Y: -9.72%2Y: 17.90%5Y: 9.73%10Y: 5.15%

PSBQ - EBITDA

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PSBQ EBITDA CAGR:1Y: -6.76%2Y: -27.56%5Y: 8.20%10Y: 0.00%

PSBQ - Free Cash Flow

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PSBQ Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

PSBQ - Free Cash Flow / Share

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PSBQ Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

PSBQ - Operating Income

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PSBQ Operating Income CAGR:1Y: -6.29%2Y: 21.33%5Y: 8.20%10Y: 4.06%

PSBQ - Gross Profit

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PSBQ Gross Profit CAGR:1Y: 9.16%2Y: -15.28%5Y: 2.30%10Y: 5.83%

PSBQ - Shares Outstanding

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PSBQ Shares Outstanding CAGR:1Y: -1.16%2Y: -1.12%5Y: -1.90%10Y: -1.33%

PSBQ - Share Buybacks

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PSBQ Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

PSBQ - Stock-Based Comp

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PSBQ Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

PSBQ - Expenses

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PSBQ Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

PSBQ - Revenue vs Net Income

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PSBQ - EPS vs FCF / Share

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PSBQ - EPS vs PE Ratio

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PSBQ - FCF vs FCF / Share

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PSBQ - FCF vs Stock Based Comp

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PSBQ - Cash & Debt

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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

PSBQ - REVENUE: Actual + Estimates

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PSBQ Actual Revenue CAGR:1Y: 3.92%2Y: 6.18%5Y: 11.97%10Y: 10.71%

PSBQ - EPS: Actual + Estimates

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PSBQ Actual EPS CAGR:1Y: -8.99%2Y: 20.27%5Y: 11.03%10Y: 6.29%

PSBQ - NET INCOME: Actual + Estimates

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PSBQ Actual Net Income CAGR:1Y: -9.72%2Y: 17.90%5Y: 9.73%10Y: 5.15%

PSBQ - EBITDA: Actual + Estimates

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PSBQ Actual EBITDA CAGR:1Y: -6.76%2Y: -27.56%5Y: 8.20%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

PSBQ - Net Profit Margin

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PSBQ Net Profit Margin CAGR:1Y: -13.14%2Y: 11.02%5Y: -2.00%10Y: -5.02%

PSBQ - Gross Profit Margin

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PSBQ Gross Profit Margin CAGR:1Y: 5.05%2Y: -20.21%5Y: -8.63%10Y: -4.41%

PSBQ - Price to Earnings

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PSBQ Price to Earnings CAGR:1Y: 132.01%2Y: 33.56%5Y: 2.39%10Y: 6.21%

PSBQ - Price To Sales Ratio

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PSBQ Price To Sales Ratio CAGR:1Y: 100.92%2Y: 46.04%5Y: -0.27%10Y: 0.56%

PSBQ - Return on Capital Employed

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PSBQ Return on Capital Employed CAGR:1Y: -79.44%2Y: -24.77%5Y: -16.83%10Y: -2.49%

PSBQ - Return on Invested Capital

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PSBQ Return on Invested Capital CAGR:1Y: -80.23%2Y: -26.85%5Y: 0.00%10Y: -11.11%

PSBQ Dividends Info:

Annual Dividend: $0.36

Forward Yield: 0.72%

Ex-Dividend Date: 2026-10-08

Lifetime Dividends / Share: $8.87

PSBQ Dividend History: Dates, Payments & Yield list

Below is a schedule of all PSBQ dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
10/08/2026	10/30/2026	$0.180	0.7%	0%	$0.00
07/10/2026	07/13/2026	$0.180	0.72%	0.72%	$49.75
04/10/2026	04/13/2026	$0.180	1.32%	1.32%	$27.22
01/12/2026	01/14/2026	$0.340	2.53%	2.53%	$26.90
07/11/2025	07/14/2025	$0.340	2.86%	2.86%	$23.75
01/10/2025	01/13/2025	$0.320	2.49%	2.49%	$25.67
07/11/2024	07/15/2024	$0.320	3.13%	2.98%	$21.45
01/09/2024	01/11/2024	$0.300	2.71%	2.76%	$21.75
07/06/2023	07/10/2023	$0.300	2.88%	2.88%	$20.80
01/05/2023	01/09/2023	$0.250	2.31%	2.27%	$21.99
07/14/2022	07/29/2022	$0.250	2.14%	2.14%	$23.34
01/06/2022	01/28/2022	$0.230	1.76%	1.75%	$26.35
07/08/2021	07/30/2021	$0.230	1.79%	1.8%	$25.50
01/07/2021	01/29/2021	$0.210	1.95%	1.91%	$22.00
07/09/2020	07/31/2020	$0.210	2.33%	2.3%	$18.30
01/09/2020	01/31/2020	$0.200	1.43%	1.45%	$27.50
07/11/2019	07/31/2019	$0.200	1.7%	1.65%	$24.20
01/10/2019	01/31/2019	$0.180	1.62%	1.67%	$21.50
07/11/2018	07/31/2018	$0.177	1.38%	1.46%	$24.25
01/11/2018	01/31/2018	$0.160	1.39%	1.38%	$23.25
07/10/2017	07/31/2017	$0.160	1.43%	1.39%	$23.00
01/09/2017	01/11/2017	$0.150	1.59%	1.58%	$18.96
07/07/2016	07/11/2016	$0.150	1.98%	1.91%	$15.67
01/07/2016	01/11/2016	$0.140	1.88%	1.87%	$15.00
07/10/2015	07/13/2015	$0.140	1.95%	1.95%	$14.33
01/12/2015	01/14/2015	$0.133	2.22%	2.19%	$12.17
07/11/2014	07/14/2014	$0.133	2.46%	2.46%	$10.85
01/10/2014	01/13/2014	$0.130	2.55%	2.55%	$10.21
07/10/2013	07/12/2013	$0.130	2.58%	2.6%	$10.00
12/12/2012	12/14/2012	$0.127	2.72%	2.72%	$9.33
07/12/2012	07/16/2012	$0.121	2.9%	2.9%	$8.33
01/11/2012	01/13/2012	$0.117	3.22%	3.22%	$7.30
07/11/2011	07/13/2011	$0.117	2.99%	2.99%	$7.86
01/11/2011	01/13/2011	$0.114	3%	3%	$7.62
07/08/2010	07/12/2010	$0.114	3.6%	3.51%	$6.51
01/07/2010	01/11/2010	$0.111	4.65%	4.24%	$5.24
07/07/2009	07/09/2009	$0.111	2.98%	2.98%	$7.46
01/07/2009	01/09/2009	$0.108	4.56%	4.56%	$4.73
07/08/2008	07/10/2008	$0.108	2.96%	2.95%	$7.33
01/08/2008	01/10/2008	$0.105	2.65%	2.95%	$7.11
07/06/2007	07/09/2007	$0.105	2.38%	2.38%	$8.81
01/08/2007	01/10/2007	$0.102	2.12%	2.12%	$9.60
07/06/2006	07/10/2006	$0.102	2%	2.01%	$10.13
01/04/2006	01/06/2006	$0.098	2.01%	2%	$9.86
07/01/2005	07/04/2005	$0.098	2.02%	0%	$0.00
01/05/2005	01/07/2005	$0.095	1.87%	1.87%	$10.16
07/06/2004	07/08/2004	$0.300	5.48%	5.48%	$10.95
01/29/2004	02/02/2004	$0.095	3.52%	3.52%	$10.83
01/02/2004	01/05/2004	$0.300	5.67%	5.64%	$10.63
07/03/2003	07/07/2003	$0.300	11.99%	11.94%	$10.05

Projected Future Returns & Dividends for PSBQ

Based on past 10-year performance, here are PSBQ growth metrics:

Share price CAGR of +12.07%
Dividend CAGR of +1.22%

Using PSBQ CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	PSBQ (DRIP)	PSBQ - No DRIP
Current Price	$50.00	$50.00
Start Shares	200.00	200.00
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	209.72	200.00
Dividends Payment	$0.20	$0.20
Annual Dividends	$85	$81
Yield on cost	0.85%	0.81%
Share Price	$156.25	$156.25
Total Dividends	$782	$761
Final Value	$32,768	$32,011

Estimated Future Value + Dividends - PSBQ

NOTE: Above numbers are our estimate based on PSBQ's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

PSB Holdings, Inc. (PSBQ) had its IPO on 2000-01-20, and is traded on OTC stock exchange.

PSB Holdings, Inc. functions as the parent entity for Peoples State Bank, offering a comprehensive array of retail consumer and commercial banking products and services to both individual clients and businesses. Its financial solutions include various deposit accounts such as checking, savings, individual retirement accounts, money market accounts, certificates of deposit (CDs), and Certificate of Deposit Account Registry Service (CDARS). The institution also issues debit, prepaid, and credit cards. A wide selection of lending options is available, covering consumer needs like fixed and adjustable-rate mortgages; specialized loans including guaranteed rural housing, Veterans Administration (VA), Federal Housing Administration (FHA), construction, land, auto, personal, and student loans; home equity lines of credit (HELOCs) and traditional home equity loans; and overdraft facilities. For businesses, offerings extend to lines of credit, equipment financing, specialized healthcare lending, Small Business Administration (SBA) loans, commercial real estate financing, and funding for acquisitions and buy-outs, complemented by cash management services. Further provisions include private banking, electronic statements (e-statements), investment and insurance products, commercial treasury management services, sweep accounts, zero balance accounts, online bill payment, fraud protection, Automated Clearing House (ACH) services, on-site deposit solutions, and merchant services, all accessible via online and mobile banking platforms. As of January 28, 2022, Peoples State Bank operated ten full-service branches situated in Marathon, Oneida, Vilas, Milwaukee, and Waukesha counties within Wisconsin, in addition to a loan production office located in Stevens Point, Wisconsin. The company was established in 1962 and maintains its headquarters in Wausau, Wisconsin.

PSBQ website: https://www.psbholdingsinc.com

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DCF Model — PSBQ

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $50.00

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →