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PFS Bancorp, Inc.

PFSB

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Financial Statements

Values in Millions ($)
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
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Subscriber-only column
Cash And Due From Banks
19221591419161418182036
Debt Securities Available For Sale Excluding Accru…
636567697169677170696456
Debt Securities Held To Maturity Excluding Accrued…
456678889999
Equity Securities Fv Ni Current And Noncurrent
000000000000
Financing Receivable Excluding Accrued Interest Af…
-109109109106100969591919189
Property Plant And Equipment Net
222222222222
Assets
Assets
208211207203208205198198199197193202
Federal Home Loan Bank Stock
000000000000
Interest Receivable
111111111111
Cash Surrender Value Of Life Insurance
444444444444
Deferred Income Tax Assets Net
111112212222
Servicing Asset At Fair Value Amount
000000000000
Other Assets
111111111112
Liabilities And Stockhold…
Liabilities
Income Tax Receivable
-----------0
Demand Deposit Accounts
181919121220181919182140
Deposits
Deposits
168170166163169166160159161160156180
Deposits Savings Deposits
777673778375737478787677
Time Deposits
727675747371696664646063
Deferred Compensation Liability Current
111111111111
Accrued Income Taxes
-00000000000
Liabilities
169172168165170168161161163162158182
Stockholders Equity Inclu…
Common Stock Value
00000000000-
Additional Paid In Capital
1616161616161616161616-
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
282827272626262625252525
Accumulated Other Comprehensive Income Loss Net Of…
-2-2-1-2-2-3-3-2-3-3-3-5
Stockholders Equity
393939383837373836363620
Liabilities And Stockholders Equity
208211207203208205198198199197193202
Debt Securities Available For Sale Amortized Cost …
00000000000-
Debt Securities Available For Sale Amortized Cost …
6667697174737173757468-
Debt Securities Held To Maturity Allowance For Cre…
00000000000-
Financing Receivable Allowance For Credit Loss Exc…
-11111111111
Accumulated Depreciation Depletion And Amortizatio…
333333333333
Preferred Stock Par Or Stated Value Per Share
0.010.010.010.010.010.010.010.010.010.010.01-
Preferred Stock Shares Authorized
11111111111-
Preferred Stock Shares Issued
00000000000-
Debt Securities Held To Maturity Allowance For Cre…
----------0-
Common Stock Par Or Stated Value Per Share
0.010.010.010.010.010.010.010.010.010.010.01-
Common Stock Shares Authorized
1414141414141414141414-
Common Stock Shares Issued
22222222222-
Shares Outstanding
22222222222-
Treasury Stock Common Shares
00000000000-
Common Stock Shares Held In Employee Trust Shares
000---0-----

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
2026-0.76%-1.19%9.90%---------
20259.39%7.63%12.82%4.44%10.07%12.67%5.31%19.62%22.59%2.23%12.29%11.92%
2024-3.20%-1.88%-0.21%0.64%5.08%10.91%2.76%7.38%2.76%-0.97%3.86%5.99%
2023------3.03%10.01%10.71%-3.39%5.42%6.21%

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Performance and Valuation Metrics

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Metrics
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
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Leverage & Debt
Interest Coverage TTM
-0.66
-0.64
-0.63
-0.71
-0.75
-0.78
-0.78
-0.74
-0.72
-0.73
-
-
Per Share Metrics
Diluted EPS TTM
1.10
1.10
1.09
0.83
0.69
0.58
0.57
0.81
0.85
0.81
-
-
Free Cash Flow Per Share TTM
1.09
-0.70
-2.99
-3.85
-3.86
-1.29
0.72
1.78
1.55
1.45
-
-
Dividend Per Share TTM
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-
-
Margin Metrics
Gross Profit Margin TTM
-14.06%
-7,790.91%
-7,433.33%
4,346.43%
3,862.90%
3,583.33%
-6,036.84%
-2,157.14%
-2,039.53%
-2,119.23%
-
-
Operating Profit Margin TTM
85.94%
6,366.67%
6,290.91%
-2,871.43%
-2,151.61%
-1,730.30%
2,913.16%
1,257.14%
1,313.18%
1,216.92%
-
-
Net Profit Margin TTM
71.46%
5,163.64%
5,063.64%
-2,235.71%
-1,738.71%
-1,384.85%
2,381.58%
1,024.60%
1,045.74%
987.69%
-
-
Growth Metrics
Net Revenue Growth (1Y)
-3,943.55%
-150.00%
-13.16%
-144.44%
-148.06%
-150.77%
-
-
-
-
-
-
Net Income Growth (1Y)
57.98%
86.43%
84.64%
-3.02%
-20.09%
-28.82%
-
-
-
-
-
-
EPS Growth (1Y)
62.30%
95.52%
93.86%
2.52%
-17.99%
-28.35%
-
-
-
-
-
-
Valuation Metrics
P/E TTM
16.36
14.51
14.18
15.31
16.00
17.93
19.56
12.55
11.08
11.02
-
-
P/B TTM
0.71
0.63
0.61
0.50
0.46
0.44
0.48
0.42
0.41
0.39
0.42
-
P/S TTM
11.69
749.45
717.94
-342.37
-278.17
-248.32
465.78
128.56
115.82
108.88
-
-
Market Cap
27.87M
24.73M
23.69M
19.17M
17.25M
16.39M
17.70M
16.20M
14.94M
14.15M
15.05M
-
Enterprise Value
8.39M
2.60M
8.20M
10.03M
2.76M
-2.41M
1.44M
1.75M
-3.28M
-4.01M
-5.15M
-
Calculated Values
Free Cash Flow TTM
1.65M
-1.06M
-4.55M
-5.82M
-6.00M
-2.05M
1.15M
2.84M
2.48M
2.31M
-
-
Net Debt
-19.47M
-22.13M
-15.49M
-9.14M
-14.49M
-18.80M
-16.26M
-14.45M
-18.22M
-18.16M
-20.20M
-35.78M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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PFS 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. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), PFS Bancorp, Inc. reported a -3943.55% year-over-year revenue growth, a Gross Profit Margin of -14.06% (TTM), a Price-to-Sales (P/S) ratio of 11.69x (TTM), a Price-to-Book (P/B) ratio of 0.71x (TTM), at a market cap of $27.87M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
-3943.55%
Gross Profit Margin TTM
-14.06%
P/S TTM
11.69x
P/B TTM
0.71x
Market Cap
$27.87M

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 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 exchange does PFSB trade on?

PFS Bancorp, Inc. (PFSB) trades on the OTC.

Wall Street's data.
Main Street's price.