PFSB — PFS Bancorp, Inc.

OTC · Financials · Thrifts & Mortgage Finance · CIK 1967656 ·
Last close
$18.20
Market Cap
$28.20M
52W High
$18.99
52W Low
$16.12
ADV30
2,482
Next earnings
PFS Bancorp, Inc. operates as a bank holding company for Peru Federal Savings Bank that provides banking and financial products and services to individual and corporate customers in the United States. The company offers checking accounts, savings accounts, individual retirement accounts, and certificate of deposit accounts; and non-interest-bearing demand, NOW savings, money market, and time deposits. It also provides one- to four-family residential mortgage, multi-family real estate, commercial real estate, agricultural real estate, construction and land development, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company offers electronic banking services, including mobile banking, on-line banking, and bill pay, as well as electronic funds transfer services through Zelle; and invests in securities. PFS Bancorp, Inc. was founded in 1887 and is based in Peru, Illinois.

Quarterly Fundamentals

Revenues vs Net Income (last 4 Q)

Assets vs Liabilities (last 4 Q)

PeriodRevenuesGrossProfit OpIncomeNetIncomeAssets CashLiabilities
Mar 2026 1,653,000 318,000 210,707,000 22,133,000 171,733,000
Dec 2025 1,781,000 532,000 206,911,000 15,494,000 167,858,000
Sep 2025 1,686,000 416,000 202,920,000 9,143,000 164,631,000
Jun 2025 1,644,000 438,000 207,906,000 14,489,000 170,140,000

Cashflow TTM (yfinance, fills SEC gap)

Operating CF
$2,136,000
Investing CF
$-8,464,000
Financing CF
$5,566,000
CapEx
$-89,000
Dividends Paid
Buybacks
$-1,325,000
EPS Diluted TTM
$0.89
As of
2026-05-10

Balance + Analyst (yfinance extras)

Retained Earnings
$27,372,000
Inventory
Receivables
$757,000
ST Investments
$44,808,000
EBIT TTM
Pretax Income TTM
$2,077,000
Interest Exp TTM
$3,296,000
Analysts

Yahoo Snapshot (yfinance, live)

Total Revenue
$6,657,000
EBITDA
Free Cash Flow
Enterprise Value
$-567,672
Total Cash
$26,653,000
Total Debt
$0
Shares Out
1,549,393
Trailing EPS
$1.12
Book Value
$27.10
ROE
4.5%
ROA
0.8%
Div Yield

Annual Trend (SEC EDGAR, last 4y)

Revenues vs Net Income (last 4y)

FY endRevenuesOpIncome NetIncomeAssetsLiabilities EquityOCF
Dec 2025 6,571,000 1,671,000 206,911,000 167,858,000 2,136,000
Dec 2024 5,917,000 905,000 197,637,000 160,962,000 1,366,000
Dec 2023 5,350,000 1,008,000 193,453,000 157,534,000 1,937,000
Dec 2022 4,672,000 831,000 174,134,000 153,995,000 2,209,000

Peers — same industry

TickerNameMarket CapLastDaily %
VWFB VWF Bancorp, Inc. $27.36M $14.36
GBNY Generations Bancorp NY, Inc. $34.17M $15.00
KFFB Kentucky First Federal Bancorp $36.83M $4.55
GOVB Gouverneur Bancorp, Inc./MD/ $20.31M $19.17
MBBC Marathon Bancorp, Inc. /MD/ $39.19M $13.28

News headlines (Yahoo Finance, 1h cache)

PFS Bancorp, Inc. Authorizes Additional Stock Repurchases
2025-12-03 21:05 · Yahoo

Recent Insider Activity

No insider activity indexed for this ticker.