PSB Holdings, Inc. (PSBQ)

PSB Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Year Ending	TTM	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Revenue	66.96	68.3	47.45	48.19	43.38	38.86
Revenue Growth (YoY)	40.59%	43.95%	-1.53%	11.08%	11.62%	9.98%
Cost of Revenue	0	-0	0	0	0	0
Gross Profit	66.96	68.31	47.45	48.19	43.38	38.86
Selling, General & Admin	14.42	19.38	18.63	16.9	14.5	14.15
Other Operating Expenses	-19.69	-7.93	-41.96	-48.17	-43.9	-38.22
Operating Expenses	-0.19	7.93	-23.33	-31.28	-29.41	-24.07
Operating Income	6.81	-1.25	24.12	16.91	13.97	14.8
Interest Income	50.21	61.54	46.19	42.09	37.61	39.53
Interest Expense	18.3	5.64	6.19	3.49	5.74	8.25
Other Expense / Income	26.96	42.99	46.19	38.6	31.88	31.28
Pretax Income	11.77	11.66	17.93	16.91	13.97	14.8
Income Tax	3.83	2.09	4.29	4.09	3.28	3.55
Net Income	7.94	9.57	13.64	12.82	10.69	11.25
Net Income Growth	-38.59%	-29.83%	6.40%	19.91%	-4.96%	9.07%
Shares Outstanding (Basic)	4	4	4	4	4	4
Shares Outstanding (Diluted)	4	4	4	4	4	4
Shares Change	-1.87%	-4.62%	-0.87%	-0.02%	-0.57%	-0.34%
EPS (Basic)	1.82	2.16	3.07	2.88	2.40	2.51
EPS (Diluted)	1.82	2.16	3.07	2.88	2.40	2.51
EPS Growth	-37.46%	-29.64%	6.60%	20.00%	-4.38%	9.61%
Free Cash Flow	0.22	11.34	16.75	12.29	16.11	11.71
Free Cash Flow Per Share	0.05	2.69	3.79	2.76	3.61	2.61
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	10.17%	-1.83%	50.83%	35.09%	32.21%	38.08%
Profit Margin	11.85%	14.01%	28.74%	26.60%	24.64%	28.94%
Free Cash Flow Margin	0.33%	16.61%	35.29%	25.51%	37.13%	30.13%
Effective Tax Rate	32.56%	17.94%	23.95%	24.20%	23.50%	24.00%
EBITDA	3.82	0.11	27.53	17.73	16.83	17.28
EBITDA Margin	5.70%	0.16%	58.02%	36.79%	38.80%	44.46%
Depreciation & Amortization	0.11	1.36	3.41	0.82	2.86	2.48
EBIT	3.71	-1.25	24.12	16.91	13.97	14.8
EBIT Margin	5.53%	-1.83%	50.83%	35.09%	32.21%	38.08%

Sources: The data provider is Financial Modeling Prep and the numbers are sourced from SEC filings.