PFS Bancorp Financials
PFS Bancorp (PFSB) reported $8.9M in revenue for fiscal year 2025, up 11.5% from the prior fiscal year. This page shows its 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
PFS Bancorp does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
PFS Bancorp passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 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.
Not reported for fiscal year 2025.
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 as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
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.
Not reported for fiscal year 2025.
PFSB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| Revenue | $9.2M | $8.9M+11.5% | $8.0M+22.2% | $6.6M+36.5% | $4.8M |
| SG&A Expenses | $2.7M | $2.5M+6.6% | $2.3M+1.5% | $2.3M+14.7% | $2.0M |
| Interest Expense | $6.0M | $5.6M+12.1% | $5.0M+7.4% | $4.7M+12.6% | $4.2M |
| Income Tax | $345K | $405K+100.5% | $202K-15.8% | $240K+54.8% | $155K |
| Net Income | $1.7M | $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 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
PFSB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|
| Total Assets | $206.9M+4.7% | $197.6M+2.2% | $193.5M+11.1% | $174.1M |
| Cash & Equivalents | $15.5M-4.7% | $16.3M-19.5% | $20.2M+59.7% | $12.7M |
| Total Liabilities | $167.9M+4.3% | $161.0M+2.2% | $157.5M+2.3% | $154.0M |
| Total Equity | $39.1M+6.5% | $36.7M+2.1% | $35.9M+78.4% | $20.1M |
| Retained Earnings | $27.4M+6.5% | $25.7M+3.6% | $24.8M+4.1% | $23.8M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Long-Term Debt.
PFSB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|---|
| Operating Cash Flow | $1.8M | $2.1M+56.4% | $1.4M-29.5% | $1.9M-12.3% | $2.2M |
| Capital Expenditures | N/A | $21K-90.4% | $219K+397.7% | $44K-67.6% | $136K |
| Free Cash Flow | N/A | $2.1M+84.4% | $1.1M-39.4% | $1.9M-8.7% | $2.1M |
| Investing Cash Flow | $5.3M | -$8.5M+2.4% | -$8.7M+25.8% | -$11.7M-303.7% | -$2.9M |
| Financing Cash Flow | -$2.1M | $5.6M+65.5% | $3.4M-80.6% | $17.3M+310.9% | -$8.2M |
| Share Buybacks | $929K | $1.3M+2003.2% | $63K-84.3% | $400K | N/A |
Not reported in any period shown, so not listed: Dividends Paid.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
PFSB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 |
|---|---|---|---|---|
| Net Margin | 18.7%+7.4pp | 11.3%-4.1pp | 15.4%-1.9pp | 17.3% |
| Return on Equity | 4.3%+1.8pp | 2.5%-0.3pp | 2.8%-1.3pp | 4.1% |
| Return on Assets | 0.8%+0.3pp | 0.5%-0.1pp | 0.5%0.0pp | 0.5% |
| Debt-to-Equity | 4.30-0.1x | 4.390.0x | 4.39-3.3x | 7.65 |
| FCF Margin | 23.7%+9.3pp | 14.3%-14.6pp | 28.9%-14.3pp | 43.2% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where PFS Bancorp Ranks
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 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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.