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PSB Holdings (PSBQ) Fair Value & Analysis

Financial Services · US · Market cap $194M

Price$49.31
Fair Value$45.10
Upside-8.5%
Quality95/100
Evidence: High Range $33.82 – $56.37

Fair value as of: Jun 26, 2026

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Analysis

PSB Holdings (PSBQ) currently trades at $49.31, while our model-based Fair Value estimate is $45.10 — implying the stock looks roughly 8.5% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

PSB Holdings, Inc. operates as a bank holding company for Peoples State Bank that provides a range of retail consumer and commercial banking products and services to individuals and businesses in the United States. It offers checking, savings, money market, health savings, and individual retirement accounts; credit, debit, and prepaid cards; overdraft; cash management and private banking services; certificates of deposit; and certificate of deposit account registry services. The company also provides lending products and services, including personal, auto, student, business real estate, and SBA loans; mortgage; business lines of credit; and healthcare specialty lending. In addition, it offers digital and mobile banking, online bill pay, eStatements, and business registration services. PSB Holdings, Inc. was founded in 1962 and is headquartered in Wausau, Wisconsin.

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Frequently asked questions

Is PSB Holdings (PSBQ) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $45.10 versus a price of $49.31 — about −9% (overvalued). Model-based estimate, not financial advice.
What is the fair value of PSBQ?
Our 21-model fair value for PSB Holdings is $45.10 (as of Jun 26, 2026), built from audited fundamentals. The current price is $49.31.
What is the quality score of PSBQ?
PSB Holdings has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.