PSB Holdings, Inc. Financial Ratios — PSBQ Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	12.05	12.41	9.03	11.33	12.38	12.17	9.48	12.42	12.21	10.55	11.54	11.1	6.92	7.1	9.16
Return on Assets (%)	0.85	0.9	0.67	0.89	1.02	1.05	0.86	1.17	1.19	1.01	1.05	1.03	0.69	0.71	0.95
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	4.98	4.17	6.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	9.83	44.07	33.67	42.07	8.36	7.67	7.29	7.01	6.38	6.59	1.69	7.19	6.85	6.98	5.39
Operating Margin (%)	- -	33.77	24.18	33.87	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	-8,026.19	534	-177.64	268.89	-460.39	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	32.6	33.77	24.18	33.87	38.75	38.87	37.85	38.09	38.08	32.21	35.09	37.79	31.71	26.6	32.2
Profit Margin (%)	22.39	23.75	17.9	23.34	26.16	26.43	21.67	29.18	28.94	24.64	26.6	28.74	21.05	22.84	26.77
Net Income to Common Margin (%)	22.39	23.75	17.9	23.34	26.16	26.43	21.67	29.18	28.94	24.64	26.6	28.57	19.98	21.76	25.84
Effective Tax Rate (%)	31.34	29.67	25.96	31.09	32.49	32	42.74	23.39	24	23.5	24.2	23.95	33.61	14.15	16.86
Dvd Payout Ratio (%)	22.02	20.75	27.17	20.43	17.25	16.35	20.23	15.54	15.94	17.5	15.96	16.08	27.6	26.84	20.38
Sustainable Growth Rate (%)	9.4	9.83	6.58	9.02	10.24	10.18	7.57	10.49	10.26	8.71	9.7	9.31	5.01	5.19	7.29

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	72	65	51	33	33	48	60	91	84	72	62	61	152	180	131
ST Debt	7	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	65	65	51	33	33	48	60	91	84	72	62	61	152	180	131
Total Debt/EBITDA	30.85	5.82	5.75	2.8	13.43	19.61	24.69	36.86	33.75	25.27	76.25	17.99	48.71	57.29	46.6
Net Debt/EBITDA	22.64	4.09	4.29	0.94	3.9	7.91	15.41	27.82	22.13	18.97	47.18	9.4	41.55	49.29	38.78
Total Debt/EBIT	- -	7.59	8	3.48	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	5.34	5.97	1.16	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.39	7.14	7.63	8.09	8.39	8.8	9.28	9.54	9.94	9.34	8.97	9.56	9.44	9.66	10.43
Long-Term Debt/Equity (%)	128.78	119.12	90.36	52.88	51.12	69.51	80.89	112.94	90.33	69.17	55.92	60.2	138.8	154.84	99.39
Long-Term Debt/Capital (%)	55.01	56.07	48.59	35.37	33.59	39.72	43.13	51.09	46.36	40.6	34.82	31.25	51.7	54.74	45.06
Long-Term Debt/Total Assets (%)	10.41	9.11	7.21	4.43	4.24	5.8	7.04	9.97	8.59	6.38	4.79	4.59	10.65	12.28	8.95
Total Debt/Equity (%)	142.68	119.12	90.36	52.88	51.12	69.51	80.89	112.94	90.33	69.17	55.92	60.2	138.8	154.84	99.39
Total Debt/Capital (%)	60.95	56.07	48.59	35.37	33.59	39.72	43.13	51.09	46.36	40.6	34.82	31.25	51.7	54.74	45.06
Total Debt/Total Assets (%)	11.54	9.11	7.21	4.43	4.24	5.8	7.04	9.97	8.59	6.38	4.79	4.59	10.65	12.28	8.95
Net Debt to Equity	104.72	83.8	67.43	17.66	14.83	28.03	50.48	85.23	59.23	51.92	34.6	31.44	118.38	133.22	82.71
Net Debt/Capital (%)	53.39	51.02	43.23	15.56	12.79	20.99	32.12	44.08	36.17	33.91	24.84	19.18	47.73	51	40.56
EBITDA	2	11	9	12	2	2	2	2	2	3	1	3	3	3	3
EBITDA-CapEx	2	11	9	12	2	2	2	2	2	3	- -	2	2	1	2
Operating Income (Loss)	- -	9	6	9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.39	7.14	7.63	8.09	8.39	8.8	9.28	9.54	9.94	9.34	8.97	9.56	9.44	9.66	10.43
Long-Term Debt/Equity (%)	128.78	119.12	90.36	52.88	51.12	69.51	80.89	112.94	90.33	69.17	55.92	60.2	138.8	154.84	99.39
Long-Term Debt/Capital (%)	55.01	56.07	48.59	35.37	33.59	39.72	43.13	51.09	46.36	40.6	34.82	31.25	51.7	54.74	45.06
Long-Term Debt/Total Assets (%)	10.41	9.11	7.21	4.43	4.24	5.8	7.04	9.97	8.59	6.38	4.79	4.59	10.65	12.28	8.95
Total Debt/Equity (%)	142.68	119.12	90.36	52.88	51.12	69.51	80.89	112.94	90.33	69.17	55.92	60.2	138.8	154.84	99.39
Total Debt/Capital (%)	60.95	56.07	48.59	35.37	33.59	39.72	43.13	51.09	46.36	40.6	34.82	31.25	51.7	54.74	45.06
Total Debt/Total Assets (%)	11.54	9.11	7.21	4.43	4.24	5.8	7.04	9.97	8.59	6.38	4.79	4.59	10.65	12.28	8.95
CFO/Total Liabilities	1.69	1.15	1.99	1.34	1.28	1.18	1.47	1.34	1.56	1.7	1.13	1.48	0.99	1.08	1.22
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.2	11.87	10.65	8.36	26.45
Altman's Z-Score	0.18	0.21	0.22	0.24	0.21	0.23	0.25	0.24	0.26	0.22	0.22	0.21	0.21	0.21	0.23

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	11.01	11.97	12.52	13.3	14.29	14.98	14.84	13.98	14	13.76	14.21	13.07	9.94	8.85	10.34
Days Sales Outstanding	33.16	30.48	29.15	27.45	25.54	24.36	24.59	26.11	26.08	26.52	25.69	27.93	36.7	41.23	35.3
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	37	43	52	59	71	91	106	101	123	92	116	97	93	109	106
- Cash & Cash Equivalents	19	26	17	22	24	29	22	22	29	18	24	29	22	25	22
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7	7	7	7
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	72	65	51	33	33	48	60	91	84	72	62	61	152	180	131
Enterprise Value	30	7	24	-10	-3	16	41	56	4	-81	-154	-56	66	82	38
Total Capital	118	116	106	92	99	121	138	179	181	178	179	196	293	329	290
Total Debt/Capital (%)	60.95	56.07	48.59	35.37	33.59	39.72	43.13	51.09	46.36	40.6	34.82	31.25	51.7	54.74	45.06
Total Debt / EV	2.36	9.92	2.11	-3.25	-12.42	3.07	1.44	1.62	22.71	-0.89	-0.4	-1.09	2.31	2.18	3.47
EV/Sales	1.29	0.26	0.92	- -	- -	0.49	1.25	1.59	0.09	- -	- -	- -	1.44	1.83	0.72
EV/EBITDA	13.09	0.59	2.72	- -	- -	6.4	17.11	22.71	1.49	- -	- -	- -	21.09	26.24	13.44
EV/EBIT	- -	0.76	3.79	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	3.16	0.86	1.86	- -	- -	1.76	3.63	5.03	0.27	- -	- -	- -	5.03	5.67	2.33
EV/Free Cash Flow to Firm	3.16	0.86	1.86	- -	- -	1.76	3.63	5.03	0.27	- -	- -	- -	4.6	5.07	2.24
Diluted Market Cap	37	43	52	59	71	91	106	101	123	92	116	97	93	109	106
Diluted Enterprise Value	90	82	86	69	81	110	143	170	178	146	155	136	230	272	222
EV per Share	6.15	1.31	4.9	- -	- -	3.39	9.07	12.51	0.82	- -	- -	- -	15.59	19.97	9.3
TTM Sales	24	25	26	28	30	32	33	35	39	43	48	47	45	45	52
TTM EBITDA	2	11	9	12	2	2	2	2	2	3	1	3	3	3	3
TTM Operating Income	- -	9	6	9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	10	8	13	9	9	9	11	11	14	17	13	18	13	15	16
TTM Free Cash Flow to Firm	10	8	13	9	9	9	11	11	14	17	14	20	14	16	17

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	3.85	5.73	3.96	6.49	7.71	10.19	9.28	9.05	8.95	5.25	8.01	4.88	6.52	6.72	6.3
EV/EBIT	- -	0.76	3.79	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	30	7	24	-10	-3	16	41	56	4	-81	-154	-56	66	82	38
Low Price	7.02	7.02	8.43	10.03	11.82	14.03	18.55	21.1	21.25	17.2	20.45	21.5	19.75	19.75	23.05
EV/Sales	1.29	0.26	0.92	- -	- -	0.49	1.25	1.59	0.09	- -	- -	- -	1.44	1.83	0.72
EV/EBITDA	13.09	0.59	2.72	- -	- -	6.4	17.11	22.71	1.49	- -	- -	- -	21.09	26.24	13.44
Price/Earnings	7	7.2	10.89	9.1	9.16	10.77	14.7	9.81	10.96	8.57	9.05	7.13	10.25	11.16	7.87
Price/Earnings Average	7.21	7.04	10.17	8.47	8.67	8.61	13.85	10.65	9.75	8.8	8.7	7.9	10	9.77	7.58
Price/Earnings High	8.01	8.09	10.98	9.32	9.31	10.77	14.79	11.99	11.26	11.78	9.38	8.61	11.94	11.8	7.99
Price/Earnings Low	6.56	5.83	8.81	7.72	7.34	7.68	11.77	9.2	8.47	7.17	7.1	7	9.16	8.32	6.95
Price/Book Value	0.81	0.85	0.95	0.99	1.08	1.25	1.34	1.16	1.27	0.87	1	0.76	0.69	0.77	0.69
Price/Book Value Average	0.83	0.83	0.89	0.92	1.02	1	1.26	1.26	1.13	0.89	0.96	0.84	0.68	0.68	0.67
Price/Book Value High	0.92	0.96	0.96	1.01	1.1	1.25	1.35	1.41	1.31	1.19	1.03	0.91	0.81	0.82	0.71
Price/Book Value Low	0.76	0.69	0.77	0.84	0.86	0.89	1.07	1.09	0.98	0.73	0.78	0.74	0.62	0.58	0.61
Price/Tangible Book Value	0.76	0.81	0.94	0.98	1.12	1.35	1.47	1.28	1.36	0.89	1.09	1.07	0.95	1.05	0.89
Price/Tangible Book Value Average	0.78	0.8	0.88	0.91	1.06	1.08	1.38	1.39	1.21	0.92	1.05	1.19	0.93	0.92	0.86
Price/Tangible Book Value High	0.86	0.91	0.95	1	1.14	1.35	1.48	1.56	1.39	1.23	1.13	1.29	1.11	1.11	0.9
Price/Tangible Book Value Low	0.71	0.66	0.76	0.83	0.9	0.97	1.18	1.2	1.05	0.75	0.85	1.05	0.85	0.78	0.79
Price/Sales	1.57	1.71	1.95	2.12	2.4	2.85	3.18	2.86	3.17	2.11	2.41	2.04	2.05	2.43	2.03
Price/Sales Average	1.61	1.67	1.82	1.98	2.27	2.27	3	3.11	2.82	2.17	2.31	2.26	2	2.13	1.96
Price/Sales High	1.79	1.92	1.96	2.17	2.44	2.85	3.21	3.5	3.26	2.9	2.49	2.46	2.39	2.57	2.06
Price/Sales Low	1.47	1.39	1.58	1.8	1.92	2.03	2.55	2.68	2.45	1.77	1.89	2	1.83	1.81	1.79
Price/Cash Flow	3.85	5.73	3.96	6.49	7.71	10.19	9.28	9.05	8.95	5.25	8.66	5.29	7.13	7.53	6.53
Price/Cash Flow Average	3.96	5.6	3.7	6.03	7.3	8.14	8.74	9.82	7.97	5.39	8.33	5.86	6.95	6.59	6.29
Price/Cash Flow High	4.4	6.43	3.99	6.64	7.84	10.19	9.34	11.06	9.2	7.21	8.97	6.39	8.31	7.95	6.63
Price/Cash Flow Low	3.6	4.64	3.21	5.5	6.18	7.27	7.43	8.49	6.92	4.39	6.8	5.19	6.37	5.61	5.77
Price/Free Cash Flow Average	3.96	5.6	3.7	6.03	7.3	8.14	8.74	9.82	7.97	5.39	7.7	5.41	6.36	5.88	6.07
Price/Free Cash Flow High	4.4	6.43	3.99	6.64	7.84	10.19	9.34	11.06	9.2	7.21	8.3	5.89	7.59	7.1	6.4
Price/Free Cash Flow Low	3.61	4.64	3.21	5.5	6.18	7.27	7.43	8.49	6.92	4.39	6.29	4.79	5.82	5.01	5.57
EV/Sales Average	3.84	3.2	3.11	2.35	2.59	2.88	4.12	5.06	4.23	3.42	3.11	3.09	5	5.72	4.19
EV/Sales High	4.02	3.45	3.26	2.55	2.76	3.45	4.33	5.45	4.67	4.15	3.29	3.29	5.39	6.17	4.29
EV/Sales Low	3.69	2.91	2.87	2.18	2.25	2.64	3.67	4.63	3.86	3.02	2.69	2.83	4.83	5.41	4.02
EV/EBITDA Average	39.07	7.26	9.25	5.59	31.01	37.56	56.59	72.14	66.32	51.89	183.81	42.92	73.02	82.05	77.67
EV/EBITDA High	40.89	7.82	9.68	6.06	33.04	45.03	59.39	77.74	73.15	63.01	194.46	45.74	78.69	88.37	79.64
EV/EBITDA Low	37.59	6.61	8.53	5.17	26.86	34.38	50.4	66.12	60.51	45.79	158.73	39.33	70.57	77.53	74.65
EV/EBIT Average	- -	9.47	12.88	6.94	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	10.21	13.48	7.53	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	8.62	11.87	6.42	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	7.49	8.67	10.42	11.83	14.75	19.67	23.17	22.5	27.5	20.57	26.05	21.9	22.11	26.5	26.1
High Price	8.57	9.73	10.5	12.11	15	19.67	23.32	27.5	28.25	28.25	27	26.45	25.75	28	26.5
Enterprise Value Average	91	81	83	65	77	92	137	179	165	148	150	146	227	258	218
Enterprise Value High	95	87	86	70	82	110	144	193	181	180	159	156	245	278	224
Enterprise Value Low	88	74	76	60	67	84	122	164	150	131	130	134	220	244	210

Shares Outstanding	5	5	5	5	5	5	5	4	4	4	4	4	4	4	4
Diluted Weighted Avg Shares	5	5	5	5	5	5	5	4	4	4	4	4	4	4	4
Basic Weighted Avg Shares	5	5	5	5	5	5	5	4	4	4	4	4	4	4	4
Revenue per Share	4.78	5.07	5.34	5.57	6.16	6.91	7.27	7.86	8.67	9.74	10.82	10.75	10.79	10.91	12.84
EBITDA per Share	0.47	2.23	1.8	2.34	0.51	0.53	0.53	0.55	0.55	0.64	0.18	0.77	0.74	0.76	0.69
Operating Income per Share	- -	1.71	1.29	1.89	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.07	1.2	0.96	1.3	1.61	1.83	1.58	2.29	2.51	2.4	2.88	3.07	2.16	2.37	3.32
Basic EPS from Cont Ops	1.07	1.2	0.96	1.3	1.61	1.83	1.58	2.29	2.51	2.4	2.88	3.09	2.27	2.49	3.44
Diluted EPS, GAAP	1.07	1.2	0.96	1.3	1.61	1.83	1.58	2.29	2.51	2.4	2.88	3.07	2.16	2.37	3.31
Diluted EPS from Cont Ops	1.07	1.2	0.96	1.3	1.61	1.83	1.58	2.29	2.51	2.4	2.88	3.09	2.27	2.49	3.43
Dividend per Share	0.24	0.25	0.26	0.27	0.28	0.3	0.32	0.36	0.4	0.42	0.46	0.51	0.71	0.75	0.8
Cash Flow per Share	1.95	1.51	2.63	1.82	1.91	1.93	2.5	2.49	3.07	3.92	3.01	4.14	3.1	3.52	4
Free Cash Flow per Basic Share	1.95	1.51	2.63	1.82	1.91	1.93	2.5	2.49	3.07	3.92	2.76	3.79	2.81	3.1	3.84
Cash & Equivalents per Share	15.83	20.35	15.86	20.41	22.22	26.67	27.19	30.29	45.36	54.92	74.69	50.18	44.24	51.87	50.83
Book Value per Share	9.29	10.17	10.94	11.99	13.67	15.77	17.26	19.44	21.62	23.72	26.16	28.96	31.93	34.3	37.56
Tangible Book Value per Share	9.91	10.66	11.1	12.06	13.16	14.53	15.78	17.58	20.29	23.04	23.92	20.43	23.17	25.33	29.33

PSB Holdings, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)