PSB Holdings Inc

PSB Holdings maintains a conservative capital structure with a debt-to-equity ratio of 0.18, indicating a low reliance on debt financing. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt, suggesting potential short-term liquidity constraints. The return on equity of 10.59% is strong relative to the industry median of 8.2%, reflecting efficient use of equity capital. Profitability metrics show a return on assets of 0.95%, which is below the industry median of 1.1%, indicating that the company is generating less profit per dollar of assets compared to its peers. The net income of $13.95 million on $44.05 million in revenue yields a net profit margin of 31.66%, which is in line with the industry median of 30.5%. The company's revenue is concentrated in Wisconsin, with 12 full-service banking locations and a loan production office in Dane County. No specific segment revenue breakdown is available, but the geographic concentration suggests exposure to regional economic conditions. Outlook data is not available for PSB Holdings, but based on historical revenue of $44.05 million, the company appears to be in a stable growth phase. The absence of a detailed outlook does not preclude the possibility of moderate growth, but it does limit the ability to project future performance with confidence. Risk factors include a medium liquidity risk due to the negative net cash position and a low dilution risk, as the company has not issued additional shares recently. No dilution sources are identified in the available documentation. The company has not disclosed any recent events such as filings or transcripts that would indicate significant operational or strategic changes.