PSB Holdings says Q4 EPS hits record high, to move to quarterly div
Overview
Wisconsin community bank's Q4 EPS rose to $0.97, marking record earnings
Net interest income increased to $11.7 mln, reflecting stronger net interest margin
Company to shift from semi-annual to quarterly dividend payments
Outlook
PSB anticipates credit improvement to enhance interest income in the first half of 2026
Company benefits from current interest rate environment with higher loan yields
PSB to institute quarterly dividend payments, reflecting confidence in profitability
Result Drivers
NET INTEREST MARGIN - Improved due to lower funding costs and higher loan yields, aided by Federal Reserve's rate cuts
NON-INTEREST INCOME - Increased due to higher mortgage banking income and higher investment and insurance sales commissions
NON-INTEREST EXPENSES - Decreased mainly due to reduced benefit plan expenses
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 EPS |
| $0.97 |
|
Q4 Net Income |
| $4.02 mln |
|
Q4 Net Interest Income |
| $11.73 mln |
|
Q4 Basic EPS |
| $0.97 |
|
Q4 Pretax Profit |
| $4.90 mln |
|
Press Release: ID:nGNX2g6Mnk
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