PFSB
PFS Bancorp, Inc.Company Information
- Company Name
- PFS Bancorp, Inc.
- CIK
- CIK0001967656
- Category
- Non-accelerated filer<br>Smaller reporting company<br>Emerging growth company
- Ticker: Exchange
- PFSB: OTC
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6036
- SIC Description
- Savings Institutions, Not Federally Chartered
- Ticker
- PFSB
SEC filing data through
Insider Sentiment
- Last purchase
- —
- Last sale
- —
- Shares purchased (TTM)
- 0
- Shares sold (TTM)
- 0
Institutional Sentiment
- As of
- —
- Institutional shares owned
- —
- Shares outstanding
- —
- Ownership
- —
Earnings Market Reaction
- Filing date
- 2026-08-05
- Price on filing date
- —
- 1-month reaction
- 3.20%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash And Due From Banks | 19 | 22 | 15 | 9 | 14 | 19 | 16 | 14 | 18 | 18 | 20 | 36 | ||||||
| Debt Securities Available For Sale Excluding Accrued Interest | 63 | 65 | 67 | 69 | 71 | 69 | 67 | 71 | 70 | 69 | 64 | 56 | ||||||
| Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss | 4 | 5 | 6 | 6 | 7 | 8 | 8 | 8 | 9 | 9 | 9 | 9 | ||||||
| Equity Securities Fv Ni Current And Noncurrent | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss | 112 | 109 | 109 | 109 | 106 | 100 | 96 | 95 | 91 | 91 | 91 | 89 | ||||||
| Property Plant And Equipment Net | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | ||||||
Assets | ||||||||||||||||||
| Assets | 208 | 211 | 207 | 203 | 208 | 205 | 198 | 198 | 199 | 197 | 193 | 202 | ||||||
| Federal Home Loan Bank Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Interest Receivable | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | ||||||
| Cash Surrender Value Of Life Insurance | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | ||||||
| Deferred Income Tax Assets Net | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 1 | 2 | 2 | 2 | 2 | ||||||
| Servicing Asset At Fair Value Amount | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Other Assets | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | ||||||
Liabilities | ||||||||||||||||||
| Income Tax Receivable | - | - | - | - | - | - | - | - | - | - | - | 0 | ||||||
| Demand Deposit Accounts | 18 | 19 | 19 | 12 | 12 | 20 | 18 | 19 | 19 | 18 | 21 | 40 | ||||||
Deposits | ||||||||||||||||||
| Deposits | 168 | 170 | 166 | 163 | 169 | 166 | 160 | 159 | 161 | 160 | 156 | 180 | ||||||
| Deposits Savings Deposits | 77 | 76 | 73 | 77 | 83 | 75 | 73 | 74 | 78 | 78 | 76 | 77 | ||||||
| Time Deposits | 72 | 76 | 75 | 74 | 73 | 71 | 69 | 66 | 64 | 64 | 60 | 63 | ||||||
| Deferred Compensation Liability Current | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | ||||||
| Accrued Income Taxes | - | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Liabilities | 169 | 172 | 168 | 165 | 170 | 168 | 161 | 161 | 163 | 162 | 158 | 182 | ||||||
Stockholders Equity Including Portion Attributable To Noncontrolling Interest | ||||||||||||||||||
| Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | ||||||
| Additional Paid In Capital | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | 16 | - | ||||||
| Unearned E S O P Shares | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | -1 | - | ||||||
| Treasury Stock Value | -2 | -2 | -2 | -2 | -1 | -1 | -0 | -0 | -0 | -0 | -0 | - | ||||||
| Retained Earnings Accumulated Deficit | 28 | 28 | 27 | 27 | 26 | 26 | 26 | 26 | 25 | 25 | 25 | 25 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -2 | -2 | -1 | -2 | -2 | -3 | -3 | -2 | -3 | -3 | -3 | -5 | ||||||
| Stockholders Equity | 39 | 39 | 39 | 38 | 38 | 37 | 37 | 38 | 36 | 36 | 36 | 20 | ||||||
| Liabilities And Stockholders Equity | 208 | 211 | 207 | 203 | 208 | 205 | 198 | 198 | 199 | 197 | 193 | 202 | ||||||
| Debt Securities Available For Sale Amortized Cost Allowance For Credit Loss Excluding Accrued Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | ||||||
| Debt Securities Available For Sale Amortized Cost Excluding Accrued Interest Before Allowance For Credit Loss | 66 | 67 | 69 | 71 | 74 | 73 | 71 | 73 | 75 | 74 | 68 | - | ||||||
| Debt Securities Held To Maturity Allowance For Credit Loss Excluding Accrued Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | ||||||
| Financing Receivable Allowance For Credit Loss Excluding Accrued Interest | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | ||||||
| Accumulated Depreciation Depletion And Amortization Property Plant And Equipment | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | ||||||
| Preferred Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | - | ||||||
| Preferred Stock Shares Authorized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | - | ||||||
| Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | ||||||
| Debt Securities Held To Maturity Allowance For Credit Loss | - | - | - | - | - | - | - | - | - | - | 0 | - | ||||||
| Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | - | ||||||
| Common Stock Shares Authorized | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | - | ||||||
| Common Stock Shares Issued | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | - | ||||||
| Shares Outstanding | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | - | ||||||
| Treasury Stock Common Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | ||||||
| Common Stock Shares Held In Employee Trust Shares | 0 | 0 | 0 | - | - | - | 0 | - | - | - | - | - | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialPFS Bancorp, Inc. (PFSB) — SEC Financial Statements & Analysis
PFS Bancorp, Inc. (PFSB) is a savings institutions, not federally chartered company. PFS Bancorp, Inc. trades on OTC as: PFSB. PFS Bancorp, Inc. (PFSB)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-05. Based on that filing, PFS Bancorp, Inc. carries a market cap of $27.87M, a P/E ratio of 16.36x, a P/B ratio of 0.71x, a P/S ratio of 844.47x, an enterprise value of $8.39M, and an EV/EBITDA multiple of -2.21x. On profitability, it posts a gross margin of -8136.36%, an operating margin of 6206.06%, a net margin of 5160.61%, a Return on Equity (ROE) of 4.41%, and a Return on Invested Capital (ROIC) of -15.08%. Per share, it reports EPS of $1.13, diluted EPS of $1.10, free cash flow per share of $1.13, and a dividend per share of $0.00. Over the trailing year, it posted revenue growth of -153.23% year-over-year, net income growth of 57.98% year-over-year, and EPS growth of 62.30% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.66x, free cash flow of $1.71M (TTM), and net debt of $-19.47M. Figures sourced from SEC EDGAR.
- Market Cap
- $27.87M
- P/E TTM
- 16.36x
- EPS TTM
- $1.13
- P/B TTM
- 0.71x
- ROE TTM
- 4.41%
- Free Cash Flow TTM
- $1.71M
- Net Revenue TTM Growth 1Y
- -153.23%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is PFS Bancorp, Inc. in?
PFS Bancorp, Inc. (PFSB) operates in the Savings Institutions, Not Federally Chartered industry.
What exchange does PFSB trade on?
PFS Bancorp, Inc. (PFSB) trades on the OTC.
When was PFS Bancorp, Inc. (PFSB)'s most recent SEC filing?
PFS Bancorp, Inc. (PFSB)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-05.
What is PFSB's market cap?
PFS Bancorp, Inc. (PFSB) has a market capitalization of $27.87M as of 2026-06-30.
What is PFSB's P/E ratio?
PFS Bancorp, Inc. (PFSB)'s trailing twelve month P/E ratio is 16.36x as of 2026-06-30.
What is PFSB's EPS (earnings per share)?
PFS Bancorp, Inc. (PFSB)'s trailing twelve month EPS is $1.13 as of 2026-06-30.
What is PFSB's ROE (return on equity)?
PFS Bancorp, Inc. (PFSB)'s trailing twelve month Return on Equity (ROE) is 4.41% as of 2026-06-30.
What is PFSB's ROIC (return on invested capital)?
PFS Bancorp, Inc. (PFSB)'s trailing twelve month Return on Invested Capital (ROIC) is -15.08% as of 2026-06-30.
What is PFSB's EV/EBITDA?
PFS Bancorp, Inc. (PFSB)'s trailing twelve month EV/EBITDA is -2.21x as of 2026-06-30.