Question 1

What is PSB Holdings's P/E ratio?

Accepted Answer

PSB Holdings (PSBQ) P/E ratio is 13.3× as of July 22, 2026. The ratio is calculated by dividing market capitalisation by trailing twelve-month earnings (net income), using USD-normalised financials (IAS 21 exchange-rate translation for non-USD reporters).

Question 2

How is the P/E ratio calculated?

Accepted Answer

P/E = Share Price ÷ Trailing Twelve-Month (TTM) Diluted EPS, or equivalently Market Capitalisation ÷ TTM Net Income. All inputs are sourced from audited GAAP/IFRS filings and translated to USD using period-end exchange rates so the multiple is comparable across companies and currencies.

Question 3

What is the P/E ratio?

Accepted Answer

The price-to-earnings (P/E) ratio, also called the earnings multiple, measures how much investors pay per dollar of a company's trailing twelve-month (TTM) earnings. It is calculated as share price ÷ TTM diluted EPS (equivalent to market capitalisation ÷ TTM net income). A higher P/E implies the market is pricing in stronger future earnings growth or lower risk; a lower P/E can signal slower expected growth, higher risk, or potential undervaluation.

Question 4

What is a good P/E ratio for PSB Holdings?

Accepted Answer

There is no universal "good" P/E. As a rule of thumb, the S&P 500 has historically averaged a P/E in the mid-to-high teens; mature, slow-growth businesses commonly trade in the 10–18× range, while high-growth or asset-light companies often trade at 25–50×+. What matters is the comparison to sector peers and to the company's own historical range. For PSB Holdings specifically, the relevant sector benchmark is the current sector median of 13.1×.

Question 5

Is PSB Holdings's P/E ratio high or low?

Accepted Answer

PSB Holdings's P/E ratio of 13.3× is above its own 5-year average of 8.7× and above the sector median of 13.1×. That places the current reading at the 98th percentile of its 10-year history. A higher multiple usually reflects stronger expected growth, lower perceived risk, or higher returns on capital; a lower multiple reflects the opposite.

Question 6

What is PSB Holdings's historical P/E ratio range?

Accepted Answer

In the available daily series, PSB Holdings (PSBQ) P/E ratio has ranged from a low of 6.4× in 2023 to a high of 16.8× in 2002. The 5-year average is 8.7× and the 5-year median is 8.4×.

Question 7

What was PSB Holdings's P/E ratio in 2025?

Accepted Answer

PSB Holdings (PSBQ) P/E ratio at the end of 2025 was 7.5×. Annual values reflect the multiple on the last trading day of each calendar year, using the trailing twelve-month earnings figure available at that date.

Question 8

Why does PSB Holdings's P/E ratio change over time?

Accepted Answer

Valuation multiples move with two inputs: the numerator (market capitalisation, which tracks the share price) and the denominator (earnings). Share-price changes — driven by interest rates, earnings expectations, risk appetite, and broader market sentiment — typically dominate short-term moves, while changes in the underlying fundamental drive the longer-term trend. As a result, the ratio can rise during stock-price rallies even if the business itself has not become more valuable, and fall during sell-offs even when fundamentals are improving.


2025	$105M	$13.9M	7.5×	-3.0×	Dec 31, 2025
2024	$109M	$10.3M	10.5×	+0.9×	Dec 31, 2024
2023	$92.2M	$9.57M	9.6×	+2.6×	Dec 31, 2023
2022	$95.9M	$13.6M	7.0×	-2.0×	Dec 31, 2022
2021	$116M	$12.8M	9.0×	+0.5×	Dec 31, 2021
2020	$91.6M	$10.7M	8.6×	-2.4×	Dec 31, 2020
2019	$123M	$11.2M	10.9×	+1.1×	Dec 31, 2019
2018	$101M	$10.3M	9.8×	-4.8×	Dec 31, 2018
2017	$105M	$7.19M	14.6×	+3.9×	Dec 31, 2017
2016	$90.1M	$8.44M	10.7×	+1.7×	Dec 31, 2016
2015	$69.9M	$7.75M	9.0×	-0.0×	Dec 31, 2015
2014	$58.1M	$6.44M	9.0×	-1.9×	Dec 31, 2014
2013	$51.6M	$4.74M	10.9×	+3.7×	Dec 31, 2013
2012	$43.3M	$6.01M	7.2×	+0.2×	Dec 31, 2012
2011	$37.2M	$5.31M	7.0×	-0.6×	Dec 31, 2011
2010	$36M	$4.75M	7.6×	+0.0×	Dec 31, 2010
2009	$23.5M	$3.12M	7.5×	+0.7×	Dec 31, 2009
2008	$22.5M	$3.3M	6.8×	-2.9×	Dec 31, 2008
2007	$40.1M	$4.14M	9.7×	-4.4×	Dec 31, 2007
2006	$48.2M	$3.43M	14.1×	+1.9×	Dec 31, 2006
2005	$52.6M	$4.34M	12.1×	-3.5×	Dec 31, 2005
2004	$55.1M	$3.53M	15.6×	+1.8×	Dec 31, 2004
2003	$66.6M	$4.81M	13.9×	+2.9×	Dec 31, 2003
2002	$47.7M	$4.36M	10.9×	—	Dec 31, 2002


Arrow Financial (AROW)	10.8×
Ameriprise Financial (AMP)	10.6×
Auburn National Bancorporation (AUBN)	10.5×
1st Source (SRCE)	10.5×
Truist Financial (TFC)	10.4×
Eagle Financial Services (EFSI)	10.0×
Prudential Financial (PRU)	9.8×
UMB Financial (UMBF)	9.7×
T. Rowe Price (TROW)	9.6×
Old Republic International (ORI)	9.5×
First Financial (THFF)	9.3×
Globe Life (GL-PD)	9.3×
Hartford Insurance Group (HIG)	9.3×
Assured Guaranty (AGO)	8.9×
Cincinnati Financial (CINF)	8.8×
Federal Agricultural Mortgage (AGM)	8.8×
Travelers Companies (TRV)	8.4×
PayPal (PYPL)	8.2×
Arch Capital Group (ACGL)	7.1×
AXIS Capital Holdings (AXS)	7.0×
Tompkins Financial (TMP)	6.7×
Everest Group (EG)	6.5×
Mercury General (MCY)	5.8×
Allstate (ALL)	4.4×
Atlantic Union Bankshares (AUB)	0.0×

P/E Ratio for PSB Holdings (PSBQ) 2002-2026

P/E Ratio daily chart for PSB Holdings (PSBQ)

Historical P/E Ratio for PSB Holdings (PSBQ) from 2002 to 2025

About P/E Ratio at PSB Holdings (PSBQ)

PSB Holdings P/E Ratio by Year

PSB Holdings P/E Ratio 2025: 7.5×

PSB Holdings P/E Ratio 2024: 10.5×

PSB Holdings P/E Ratio 2023: 9.6×

PSB Holdings P/E Ratio 2022: 7.0×

PSB Holdings P/E Ratio 2021: 9.0×

Sector peers by P/E Ratio — chart

Sector peers by P/E Ratio — table

Frequently asked questions

PSB Holdings (PSBQ) Key Financials