PFSBOTCSavings Institutions, Not Federally CharteredFiscal year ends December 31
PFS Bancorp, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$22.00−0.01 (-0.05%)
Close on Oct 19, 2026
- Market cap
- $34.16M
- P/E (TTM)
- 20.2
- Dividend yield
- –
PFS Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Savings Institutions, Not Federally Chartered companies for comparison
Valuation
| Measure | PFS Bancorp | Industry median |
|---|---|---|
| Market Cap | $34.01M | $679.86M |
| Enterprise Value | $14.54M | $408.94M |
| PS Ratio | 4.94 | 3.61 |
| PB Ratio | 0.86 | 1.18 |
| P/TBV Ratio | 0.86 | 1.41 |
| P/OCF Ratio | 19.03 | 10.04 |
Enterprise value
| Measure | PFS Bancorp | Industry median |
|---|---|---|
| EV / Sales | 2.11 | 2.78 |
Income (trailing twelve months)
| Measure | PFS Bancorp | Industry median |
|---|---|---|
| Revenue | $6.88M | $170.85M |
| Pretax Income | $2.05M | $70.12M |
| Net Income | $1.70M | $54.33M |
Margins
| Measure | PFS Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 29.8% | 36.4% |
| Profit Margin | 24.8% | 29.1% |
Returns
| Measure | PFS Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 4.41% | 10.5% |
| Return on Assets (ROA) | 0.82% | 1.12% |
Growth
| Measure | PFS Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 11.5% | 11.8% |
| Net Income Growth (YoY) | 58.0% | 23.1% |
| Revenue Growth (3Y CAGR) | 12.0% | 5.82% |
Balance sheet
| Measure | PFS Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $19.47M | $205.54M |
| Net Cash (Debt) | $19.47M | $164.40M |
| Net Cash Per Share | $12.60 | $8.13 |
| Equity (Book Value) | $39.39M | $560.44M |
| Book Value Per Share | $25.48 | $28.47 |
| Tangible Book Value | $39.39M | $472.29M |
Cash flow (trailing twelve months)
| Measure | PFS Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $1.79M | $61.20M |
Efficiency
| Measure | PFS Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.03 | 0.04 |
| Revenue Per Employee | $286.63K | $353.78K |
| Profits Per Employee | $70.96K | $107.28K |
| Employee Count | 24 | 489 |
Dividends and yields
| Measure | PFS Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 5.01% | 8.07% |
| Buyback Yield | 2.73% | 1.55% |
| Shareholder Yield | 2.73% | 3.13% |
Shares
| Measure | PFS Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 1,546,060 | 18,839,100 |
| Shares Change (YoY) | -3.59% | 0.39% |
| Shares Change (QoQ) | 0.51% | 0.00% |
| Float | 1,395,220 | 17,061,900 |
| Shares Held by Insiders | 9.76% | 5.89% |
Taxes
| Measure | PFS Bancorp | Industry median |
|---|---|---|
| Income Tax | $346.00K | $14.50M |
| Effective Tax Rate | 16.9% | 21.1% |
Scores
| Measure | PFS Bancorp | Industry median |
|---|---|---|
| Altman Z-Score | 0.34 | 0.21 |
| Piotroski F-Score | 7 | 6 |
Calculated by StockData from PFS Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.