StockData

PFS Bancorp, Inc. (PFSB) stock analysis

PFSBOTCSavings Institutions, Not Federally CharteredFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 6/30
$22.00−0.01 (-0.05%)

Close on Oct 19, 2026Market cap $34.53MP/E 19.8Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth1Performance2Health3Dividend0

Weak6 of 30 checks passed

PFS Bancorp passes 6 of the 30 checks behind our score; 17 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
1/6
Past performance
2/6
Financial health
3/6
Dividend
0/6

What stands out

  • Revenue growing 10%+ a year

    Revenue grew 12.0% a year over the last three fiscal years.

  • Well capitalized

    Equity is 18.6% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 69.9% of deposits, so lending is funded by customer deposits.

  • Net margin above its 5-year average

    Net margin was 24.1% over the last twelve months, against a 5-year average of 19.3%.

What to watch

  • Return on equity under 15%

    Return on equity was 4.4% over the last twelve months and averaged 3.6% over five years; we look for 15% on both.

  • Growing slower than the industry

    Revenue grew 8.5% over the last twelve months; the Savings Institutions median is 9.0%.

  • Return on assets under 1%

    Return on assets was 0.8%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    PFS Bancorp's return on equity of 4.4% is below the Savings Institutions median of 6.1%.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S against the industry

    Not enough revenue data to compare.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth1/6

  • Revenue growing 10%+ a year

    Revenue grew 12.0% a year over the last three fiscal years.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing slower than the industry

    Revenue grew 8.5% over the last twelve months; the Savings Institutions median is 9.0%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance2/6

  • Return on equity under 15%

    Return on equity was 4.4% over the last twelve months and averaged 3.6% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was 0.8%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    PFS Bancorp's return on equity of 4.4% is below the Savings Institutions median of 6.1%.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin above its 5-year average

    Net margin was 24.1% over the last twelve months, against a 5-year average of 19.3%.

  • Net margin above the industry

    PFS Bancorp's net margin of 24.1% is above the Savings Institutions median of 20.3%.

Financial health3/6

  • Well capitalized

    Equity is 18.6% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 69.9% of deposits, so lending is funded by customer deposits.

  • Thin loan-loss reserve

    The allowance for credit losses is 0.8% of loans; we look for at least 1%.

  • High cost base

    Non-interest expense takes 69.1% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 1.3% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend0/6

  • No dividend

    PFS Bancorp has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for PFS Bancorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/B at month end
  • Own 5-year median 0.5
  • Savings Institutions median 1.0

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Margins

Share of revenue, fiscal years 2021 to 2025

Net margin

25.4%

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