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Pfs Bancorp(OTC) PFSB

Market Cap$32.08MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2023)+131%
5 YearN/A
1 Year+75%
1 Month+6%
$20.75
+1.92%
+0.39Today
Pfs Bancorp last closing stock price
MetricPriceDate
Last closeUSD 20.752026-08-17
Pfs Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.22%USD 20.302026-08-07
1 month+6.09%USD 19.562026-07-17
3 month+12.71%USD 18.412026-05-18
Year to date+33.01%USD 15.602025-12-31
1 year+75.11%USD 11.852025-08-15
Since inception+130.56%USD 9.002023-10-18

Pfs Bancorp Financials at a Glance

Market Cap

$32.08MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$437.00K

Net Income (TTM)

$1.70M

EPS (TTM)

$1.11

P/E Ratio

18.75

Dividend

$0.00

Beta (Volatility)

-0.10 (Low)

Price

$20.75

Volume

25

Open

$20.75

Previous Close

$20.75

Daily Range

$20.75 - $20.75

52-Week Range

$11.73 - $20.80

Estimated Earnings Date

N/A

PFSB News

No articles available.

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About Pfs Bancorp

PFS Bancorp helps people and businesses manage money and get loans. Homebuyers and local companies use its loans to finance property and growth.

Products and Services

  • Deposit Accounts: Checking, savings, and retirement accounts for individuals and businesses (no revenue split disclosed).
  • Certificates of Deposit: Fixed-term savings with set interest rates, popular for secure returns (45.1% of deposits).
  • Residential Mortgages: Loans for buying or refinancing homes, making up 60.1% of total loans.
  • Commercial and Real Estate Loans: Financing for local businesses, commercial properties, and agriculture (24.3% of loans).
  • Consumer and Home Equity Loans: Loans for vehicles, personal needs, or borrowing against home value (6.5% of loans).
  • Digital Banking Services: Mobile and online banking, bill pay, and money transfers for convenience (no revenue split disclosed).

Growth and Expansion

  • Launched as a holding company in October 2023, supporting Peru Federal Savings Bank.
  • Expanded commercial loan offerings in 2024 and 2025 to diversify income.
  • Authorized new stock repurchase program in 2025 for up to 155,693 shares.
  • Focused on organic growth in LaSalle County, Illinois, with two branch locations as of 2025.

What Makes PFS Bancorp Stand Out

PFS Bancorp focuses on community banking, building long-term local relationships. It maintains strong capital and asset quality through conservative lending. The company adapts its loan mix to balance risk and yield.

Five Things You Need to Know

  • Total interest and dividend income was $8.94 million in 2025, up 11.6% from 2024.
  • Net income reached $1.67 million in 2025, up 84.6% year-over-year.
  • Residential mortgages made up 60.1% of the loan portfolio at year-end 2025.
  • Return on average assets improved to 0.81% in 2025 from 0.46% in 2024.
  • Efficiency ratio improved to 66.15% in 2025 from 78.50% in 2024.

Bottom Line

PFS Bancorp has evolved by focusing on local banking and prudent lending. Its steady growth and strong capital position support ongoing adaptation in a competitive market.

AI Generated • Apr 16, 2026

Industry

Banks

Sector

Financials

Employees

24

CEO

Eric J. Heagy, CPA

Website

www.perufederalsavings.com

Headquarters

Peru, IL 61354, US

PFSB Financials

Key Financial Metrics (TTM)

Gross Margin

-309.61%

Operating Margin

-120.59%

Net Income Margin

389.70%

Return on Equity

4.37%

Return on Capital

0.00%

Return on Assets

0.82%

Earnings Yield

5.33%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$32.08MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

1.55M

Volume

25

Avg. Volume

1.63K

Financials (TTM)

Gross Profit

-$1.35M

Operating Income

-$527.00K

EBITDA

-$563.00K

Operating Cash Flow

$2.27M

Capital Expenditure

$3.32M

Free Cash Flow

$5.60M

Cash & ST Invst.

$82.63M

Total Debt

$0.00

Pfs Bancorp Performance Analysis

Pfs Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20232023-12-31USD 7,215,000N/A
20242024-12-31USD 8,899,00023.3%
20252025-12-31USD 9,867,00010.9%
Pfs Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-8.1%
Q42025-12-31-393.9%
Q12026-03-31137.0%
Q22026-06-30-4.1%
Pfs Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20232023-12-31USD 0.63N/A
20242024-12-31USD 0.57-10.3%
20252025-12-31USD 1.0992.1%
Pfs Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30N/A
Q42025-12-3125.0%
Q12026-03-31-40.0%
Q22026-06-3033.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$2.36M

-4.1%

Gross Profit

$0.00

-100.0%

Gross Margin

0.00%

N/A

Market Cap

$32.08MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.28M

N/A

Employees

25

N/A

Net Income

$437.00K

-0.2%

EBITDA

$0.00

-100.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$82.63M

-3.5%

Total Debt

$0.00

N/A

Accounts Receivable

$724.00K

-6.9%

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$0.00

N/A

Return on Assets

0.82%

N/A

Return on Invested Capital

-0.25%

N/A

Free Cash Flow

$704.00K

+27.3%

Operating Cash Flow

$704.00K

+23.9%

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Questions About PFSB

What is the current price of Pfs Bancorp?

Pfs Bancorp is trading at $20.75 per share.

What is the 52-week range for Pfs Bancorp?

Over the past 52 weeks, Pfs Bancorp has traded between $11.73 and $20.80.

How much debt does Pfs Bancorp have?

As of the most recent reporting period, Pfs Bancorp reported total debt of $0.00.

How much cash does Pfs Bancorp have on hand?

Pfs Bancorp does not have cash on hand data available.

What is Pfs Bancorp’s dividend yield?

Pfs Bancorp does not currently have a dividend yield.

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