What is PFS Bancorp's earnings per share (EPS)?

PFS Bancorp (PFSB) reported diluted earnings per share of $1.09 for fiscal year 2025. This represents a 91.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

PFS Bancorp Financials

PFSB

Source SEC Filings (10-K/10-Q) Updated Mar 25, 2026 Currency USD FYE March

This page shows PFS Bancorp (PFSB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Earnings Quality Cash-Backed

1.28x

For every $1 of reported earnings, PFS Bancorp generates $1.28 in operating cash flow ($2.1M OCF vs $1.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$33K

YoY-99.6%

PFS Bancorp generated $33K in revenue in fiscal year 2025. This represents a decrease of 99.6% from the prior year.

EBITDA

N/A

Net Income

$1.7M

YoY+84.6%

PFS Bancorp reported $1.7M in net income in fiscal year 2025. This represents an increase of 84.6% from the prior year.

EPS (Diluted)

$1.09

YoY+91.2%

PFS Bancorp earned $1.09 per diluted share (EPS) in fiscal year 2025. This represents an increase of 91.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$2.1M

YoY+84.4%

PFS Bancorp generated $2.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 84.4% from the prior year.

Cash & Debt

N/A

Dividends Per Share

N/A

Shares Outstanding

YoY-7.7%

PFS Bancorp had 2M shares outstanding in fiscal year 2025. This represents a decrease of 7.7% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

5063.6%

YoY+5052.3pp

PFS Bancorp's net profit margin was 5063.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 5052.3 percentage points from the prior year.

Return on Equity

N/A

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.3M

YoY+2003.2%

PFS Bancorp spent $1.3M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 2003.2% from the prior year.

Capital Expenditures

$21K

YoY-90.4%

PFS Bancorp invested $21K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 90.4% from the prior year.

PFSB Income Statement

Metric	FY25	FY24	FY23	FY22
Revenue	$33K-99.6%	$8.0M+22.2%	$6.6M+36.5%	$4.8M
Cost of Revenue	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A
SG&A Expenses	$2.5M	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A
Interest Expense	$5.6M+12.1%	$5.0M+7.4%	$4.7M+12.6%	$4.2M
Income Tax	$405K+100.5%	$202K-15.8%	$240K+54.8%	$155K
Net Income	$1.7M+84.6%	$905K-10.2%	$1.0M+21.3%	$831K
EPS (Diluted)	$1.09+91.2%	$0.57-9.5%	$0.63	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$2.3M0.0%	$2.3M+6.5%	$2.1M+0.1%	$2.1M+5.0%	$2.0M+1.1%	$2.0M+6.0%	$1.9M+0.3%	$1.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.4M-1.1%	$1.4M+10.5%	$1.3M-0.1%	$1.3M+5.5%	$1.2M-0.6%	$1.2M+1.1%	$1.2M-4.0%	$1.3M
Income Tax	$118K+3.5%	$114K+35.7%	$84K+110.0%	$40K+122.2%	$18K-79.1%	$86K+48.3%	$58K-31.0%	$84K
Net Income	$416K-5.0%	$438K+53.7%	$285K+152.2%	$113K-53.3%	$242K-11.7%	$274K-0.7%	$276K-3.5%	$286K
EPS (Diluted)	$0.280.0%	$0.28+55.6%	$0.18	N/A	$0.15-11.8%	$0.170.0%	$0.17	N/A

PFSB Balance Sheet

Metric	FY25	FY24	FY23	FY22
Total Assets	N/A	$197.6M+2.2%	$193.5M+11.1%	$174.1M
Current Assets	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	$16.3M-19.5%	$20.2M+59.7%	$12.7M
Inventory	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A
Total Liabilities	N/A	$161.0M+2.2%	$157.5M+2.3%	$154.0M
Current Liabilities	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A
Total Equity	N/A	$36.7M+2.1%	$35.9M+78.4%	$20.1M
Retained Earnings	N/A	$25.7M+3.6%	$24.8M+4.1%	$23.8M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$202.9M-2.4%	$207.9M+1.4%	$205.0M+3.7%	$197.6M-0.4%	$198.4M-0.1%	$198.5M+0.7%	$197.2M+1.9%	$193.5M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$9.1M-36.9%	$14.5M-22.9%	$18.8M+15.6%	$16.3M+12.5%	$14.4M-20.7%	$18.2M+0.3%	$18.2M-10.1%	$20.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$164.6M-3.2%	$170.1M+1.5%	$167.6M+4.1%	$161.0M+0.2%	$160.6M-1.2%	$162.5M+0.5%	$161.7M+2.7%	$157.5M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$38.3M+1.4%	$37.8M+0.9%	$37.4M+2.0%	$36.7M-3.8%	$38.1M+4.8%	$36.4M+1.4%	$35.9M-0.1%	$35.9M
Retained Earnings	$26.8M+1.6%	$26.4M+1.7%	$26.0M+1.1%	$25.7M+0.4%	$25.6M+1.0%	$25.3M+1.1%	$25.1M+1.1%	$24.8M

PFSB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22
Operating Cash Flow	$2.1M+56.4%	$1.4M-29.5%	$1.9M-12.3%	$2.2M
Capital Expenditures	$21K-90.4%	$219K+397.7%	$44K-67.6%	$136K
Free Cash Flow	$2.1M+84.4%	$1.1M-39.4%	$1.9M-8.7%	$2.1M
Investing Cash Flow	-$8.5M+2.4%	-$8.7M+25.8%	-$11.7M-303.7%	-$2.9M
Financing Cash Flow	$5.6M+65.5%	$3.4M-80.6%	$17.3M+310.9%	-$8.2M
Dividends Paid	N/A	N/A	N/A	N/A
Share Buybacks	$1.3M+2003.2%	$63K-84.3%	$400K	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$563K+47.8%	$381K-32.9%	$568K+3650.0%	-$16K-104.3%	$375K-28.4%	$524K+8.5%	$483K-70.1%	$1.6M
Capital Expenditures	$2K	$0-100.0%	$15K-77.9%	$68K+6700.0%	$1K-98.8%	$82K+20.6%	$68K+466.7%	$12K
Free Cash Flow	$561K+47.2%	$381K-31.1%	$553K+758.3%	-$84K-122.5%	$374K-15.4%	$442K+6.5%	$415K-74.2%	$1.6M
Investing Cash Flow	$352K+105.1%	-$6.9M-58.5%	-$4.3M-579.6%	$905K+141.4%	-$2.2M-107.5%	-$1.1M+83.4%	-$6.3M+8.4%	-$6.9M
Financing Cash Flow	-$6.3M-385.8%	$2.2M-65.3%	$6.3M+588.2%	$917K+146.8%	-$2.0M-434.9%	$585K-84.7%	$3.8M+137.2%	-$10.3M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$584K+32.1%	$442K+114.6%	$206K	N/A	N/A	N/A	N/A	N/A

PFSB Financial Ratios

Metric	FY25	FY24	FY23	FY22
Gross Margin	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A
Net Margin	5063.6%+5052.3pp	11.3%-4.1pp	15.4%-1.9pp	17.3%
Return on Equity	N/A	2.5%-0.3pp	2.8%-1.3pp	4.1%
Return on Assets	N/A	0.5%-0.1pp	0.5%+0.0pp	0.5%
Current Ratio	N/A	N/A	N/A	N/A
Debt-to-Equity	N/A	4.390.0	4.39-3.3	7.65
FCF Margin	6409.1%+6394.8pp	14.3%-14.6pp	28.9%-14.3pp	43.2%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	18.4%-1.0pp	19.4%+6.0pp	13.4%+8.1pp	5.3%-6.7pp	12.0%-1.7pp	13.7%-0.9pp	14.7%-0.6pp	15.2%
Return on Equity	1.1%-0.1pp	1.2%+0.4pp	0.8%+0.5pp	0.3%-0.3pp	0.6%-0.1pp	0.8%-0.0pp	0.8%-0.0pp	0.8%
Return on Assets	0.2%0.0pp	0.2%+0.1pp	0.1%+0.1pp	0.1%-0.1pp	0.1%-0.0pp	0.1%0.0pp	0.1%-0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.30-0.2	4.51+0.0	4.48+0.1	4.39+0.2	4.21-0.3	4.47-0.0	4.51+0.1	4.39
FCF Margin	24.8%+8.0pp	16.9%-9.2pp	26.1%+30.0pp	-4.0%-22.5pp	18.5%-3.6pp	22.1%+0.1pp	22.0%-63.5pp	85.5%

Similar Companies

Beach Cities Com BCCB

$23.9M

Friendly Hills Bancorp FPBC

$22.4M

Ssb Bancorp SSBP

$30.8M

Heritage HRGG

$23.4M

Logansport Finl Corp LOGN

$19.3M

Frequently Asked Questions

What is PFS Bancorp's annual revenue?

PFS Bancorp (PFSB) reported $33K in total revenue for fiscal year 2025. This represents a -99.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is PFS Bancorp's revenue growing?

PFS Bancorp (PFSB) revenue declined by 99.6% year-over-year, from $8.0M to $33K in fiscal year 2025.

Is PFS Bancorp profitable?

Yes, PFS Bancorp (PFSB) reported a net income of $1.7M in fiscal year 2025, with a net profit margin of 5063.6%.

What is PFS Bancorp's net profit margin?

PFS Bancorp (PFSB) had a net profit margin of 5063.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is PFS Bancorp's free cash flow?

PFS Bancorp (PFSB) generated $2.1M in free cash flow during fiscal year 2025. This represents a 84.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is PFS Bancorp's operating cash flow?

PFS Bancorp (PFSB) generated $2.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are PFS Bancorp's capital expenditures?

PFS Bancorp (PFSB) invested $21K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does PFS Bancorp buy back shares?

Yes, PFS Bancorp (PFSB) spent $1.3M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does PFS Bancorp have outstanding?

PFS Bancorp (PFSB) had 2M shares outstanding as of fiscal year 2025.

Are PFS Bancorp's earnings high quality?

PFS Bancorp (PFSB) has an earnings quality ratio of 1.28x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.