PFS Bancorp Financials
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).
Profit is being pulled from a large balance sheet more efficiently as leverage eases and cash earnings stay close to reported earnings.
From FY2024 to FY2025, net income nearly doubled to$1.7M even though total assets only edged up to$206.9M . The payoff was ROA moving from0.5% to0.8% , while operating cash flow slightly exceeded earnings, showing the stronger result came from better extraction of profit from the existing balance sheet and not just from getting bigger.
From FY2022 to FY2025, equity almost doubled from
Physical reinvestment is tiny: FY2025 capex was only
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of PFS Bancorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
PFS Bancorp's revenue grew 11.5% year-over-year to $8.9M, a solid pace of expansion. This earns a growth score of 61/100.
PFS Bancorp has elevated debt relative to equity (D/E of 4.30), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 14/100, reflecting increased financial risk.
PFS Bancorp converts 23.7% of revenue into free cash flow ($2.1M). This strong cash generation earns a score of 80/100.
PFS Bancorp generates a 4.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 19/100. This is up from 2.5% the prior year.
PFS Bancorp passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
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
Earnings & Revenue
PFS Bancorp generated $8.9M in revenue in fiscal year 2025. This represents an increase of 11.5% from the prior year.
PFS Bancorp reported $1.7M in net income in fiscal year 2025. This represents an increase of 84.6% from the prior year.
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
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.
PFS Bancorp held $15.5M in cash against $0 in long-term debt as of fiscal year 2025.
PFS Bancorp had 2M shares outstanding in fiscal year 2025. This represents a decrease of 7.0% from the prior year.
Margins & Returns
PFS Bancorp's net profit margin was 18.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 7.4 percentage points from the prior year.
PFS Bancorp's ROE was 4.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.8 percentage points from the prior year.
Capital Allocation
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.
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 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.3M-0.3% | $2.3M+1.9% | $2.3M0.0% | $2.3M+6.5% | $2.1M+0.1% | $2.1M+5.0% | $2.0M+1.1% | $2.0M |
| 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 | $673K-7.8% | $730K+14.2% | $639K+13.7% | $562K+1.3% | $555K-10.8% | $622K+4.7% | $594K+12.5% | $528K |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $1.5M+1.9% | $1.5M+2.2% | $1.4M-1.1% | $1.4M+10.5% | $1.3M-0.1% | $1.3M+5.5% | $1.2M-0.6% | $1.2M |
| Income Tax | $76K-14.6% | $89K-24.6% | $118K+3.5% | $114K+35.7% | $84K+110.0% | $40K+122.2% | $18K-79.1% | $86K |
| Net Income | $318K-40.2% | $532K+27.9% | $416K-5.0% | $438K+53.7% | $285K+152.2% | $113K-53.3% | $242K-11.7% | $274K |
| EPS (Diluted) | $0.21 | N/A | $0.21-25.0% | $0.28+55.6% | $0.18 | N/A | $0.18+5.9% | $0.17 |
PFSB Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $210.7M+1.8% | $206.9M+2.0% | $202.9M-2.4% | $207.9M+1.4% | $205.0M+3.7% | $197.6M-0.4% | $198.4M-0.1% | $198.5M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $22.1M+42.8% | $15.5M+69.5% | $9.1M-36.9% | $14.5M-22.9% | $18.8M+15.6% | $16.3M+12.5% | $14.4M-20.7% | $18.2M |
| 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 | $171.7M+2.3% | $167.9M+2.0% | $164.6M-3.2% | $170.1M+1.5% | $167.6M+4.1% | $161.0M+0.2% | $160.6M-1.2% | $162.5M |
| 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 | $39.0M-0.2% | $39.1M+2.0% | $38.3M+1.4% | $37.8M+0.9% | $37.4M+2.0% | $36.7M-3.8% | $38.1M+4.8% | $36.4M |
| Retained Earnings | $27.7M+1.2% | $27.4M+2.0% | $26.8M+1.6% | $26.4M+1.7% | $26.0M+1.1% | $25.7M+0.4% | $25.6M+1.0% | $25.3M |
PFSB Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $704K+12.8% | $624K+10.8% | $563K+47.8% | $381K-32.9% | $568K+3650.0% | -$16K-104.3% | $375K-28.4% | $524K |
| Capital Expenditures | N/A | $4K+100.0% | $2K+100.1% | -$3.3M-199.6% | $3.3M+4819.1% | $68K+6700.0% | $1K-98.8% | $82K |
| Free Cash Flow | N/A | $620K+10.5% | $561K+119.0% | -$2.9M-6.2% | -$2.8M-3206.0% | -$84K-122.5% | $374K-15.4% | $442K |
| Investing Cash Flow | $2.5M+2.9% | $2.4M+582.4% | $352K+105.1% | -$6.9M-58.5% | -$4.3M-579.6% | $905K+141.4% | -$2.2M-107.5% | -$1.1M |
| Financing Cash Flow | $3.5M+4.2% | $3.3M+153.1% | -$6.3M-385.8% | $2.2M-65.3% | $6.3M+588.2% | $917K+146.8% | -$2.0M-434.9% | $585K |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $201K+116.1% | $93K-84.1% | $584K+32.1% | $442K+114.6% | $206K | N/A | N/A | N/A |
PFSB Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | 13.9%-9.3pp | 23.1%+4.7pp | 18.4%-1.0pp | 19.4%+6.0pp | 13.4%+8.1pp | 5.3%-6.7pp | 12.0%-1.7pp | 13.7% |
| Return on Equity | 0.8%-0.5pp | 1.4%+0.3pp | 1.1%-0.1pp | 1.2%+0.4pp | 0.8%+0.5pp | 0.3%-0.3pp | 0.6%-0.1pp | 0.8% |
| Return on Assets | 0.1%-0.1pp | 0.3%+0.1pp | 0.2%0.0pp | 0.2%+0.1pp | 0.1%+0.1pp | 0.1%-0.1pp | 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 | 4.41+0.1 | 4.300.0 | 4.30-0.2 | 4.51+0.0 | 4.48+0.1 | 4.39+0.2 | 4.21-0.3 | 4.47 |
| FCF Margin | N/A | 26.9%+2.1pp | 24.8%+155.4pp | -130.6%+0.3pp | -130.9%-127.0pp | -4.0%-22.5pp | 18.5%-3.6pp | 22.1% |
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Frequently Asked Questions
What is PFS Bancorp's annual revenue?
PFS Bancorp (PFSB) reported $8.9M in total revenue for fiscal year 2025. This represents a 11.5% 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 grew by 11.5% year-over-year, from $8.0M to $8.9M 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 18.7%.
What is PFS Bancorp's net profit margin?
PFS Bancorp (PFSB) had a net profit margin of 18.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is PFS Bancorp's return on equity (ROE)?
PFS Bancorp (PFSB) has a return on equity of 4.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
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 total assets?
PFS Bancorp (PFSB) had $206.9M in total assets as of fiscal year 2025, including both current and long-term assets.
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.
What is PFS Bancorp's debt-to-equity ratio?
PFS Bancorp (PFSB) had a debt-to-equity ratio of 4.30 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is PFS Bancorp's return on assets (ROA)?
PFS Bancorp (PFSB) had a return on assets of 0.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is PFS Bancorp's Piotroski F-Score?
PFS Bancorp (PFSB) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
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.
How financially healthy is PFS Bancorp?
PFS Bancorp (PFSB) scores 29 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.