What is PFS BANCORP INC (MD)'s earnings per share (EPS)?

PFS BANCORP INC (MD) (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 INC (MD) (PFSB) Financials

PFSB

FY2025 annual

Revenue $6.6M +11.1% YoY

Net Income $1.7M +84.6% YoY

EPS (Diluted) $1.09 +91.2% YoY

Free Cash Flow $2.1M +84.4% YoY

Market Cap $33.6M as of Oct 8, 2026

Price / Sales 4.9x on $6.9M revenue, trailing 12 months to June 30, 2026

Price / Earnings 19.8x on $1.7M net income, trailing 12 months to June 30, 2026

Price / Book 0.9x on $39.4M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 8, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PFSB SEC filings page.

PFS BANCORP INC (MD) (PFSB) reported $6.6M in revenue for fiscal year 2025, up 11.1% 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).

Rhea AI PFSB FY2025 2026-10-04

PFS Bancorp operates as a balance-sheet-driven financial business: FY2025 profitability improved, but assets and liabilities still dwarf annual revenue.

In FY2025, net income reached $1.7M while operating cash flow reached $2.1M, meaning the earnings rebound was accompanied by cash generation rather than appearing mainly through accruals. Both earnings and free cash flow weakened in FY2024 before recovering, pointing to a cash-conversion rebound rather than a purely accounting-led improvement.

The balance sheet, not revenue, defines the economics: total assets were $206.9M against $167.9M of liabilities. That structure leaves a relatively narrow equity base and a 4.3x debt-to-equity ratio, making balance-sheet management central to results.

FY2025's 25.4% net margin did not translate into high asset productivity; return on assets was only 0.8%. The gap indicates reported profitability is earned on a large financial asset base, so asset returns are more revealing than margin alone.

Financial Health Signals

Financial health score not available

PFS BANCORP INC (MD) 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.

Piotroski F-Score Partial

6/6

PFS BANCORP INC (MD) 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.

Earnings Quality Cash-Backed

1.28x

For every $1 of reported earnings, PFS BANCORP INC (MD) 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

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Earnings & Revenue

Revenue

$1.8M

YoY+7.0%

QoQ+6.4%

PFS BANCORP INC (MD) generated $1.8M in revenue in Q2 2026. This represents an increase of 7.0% from the same quarter a year earlier. Against the prior quarter it is up 6.4%.

Net Income

$437K

YoY-0.2%

QoQ+37.4%

PFS BANCORP INC (MD) reported $437K in net income in Q2 2026. This represents a decrease of 0.2% from the same quarter a year earlier. Against the prior quarter it is up 37.4%.

EPS (Diluted)

$0.28

YoY0.0%

QoQ+33.3%

PFS BANCORP INC (MD) earned $0.28 per diluted share (EPS) in Q2 2026. That is unchanged from the same quarter a year earlier. Against the prior quarter it is up 33.3%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$19.5M

YoY+34.4%

QoQ-12.0%

PFS BANCORP INC (MD) held $19.5M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

YoY-6.2%

QoQ-0.2%

PFS BANCORP INC (MD) had 2M shares outstanding in Q2 2026. This represents a decrease of 6.2% from the same quarter a year earlier. Against the prior quarter it is down 0.2%.

Free Cash Flow

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

24.8%

YoY-1.8pp

QoQ+5.6pp

PFS BANCORP INC (MD)'s net profit margin was 24.8% in Q2 2026, showing the share of revenue converted to profit. This is down 1.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 5.6 percentage points.

Return on Equity

1.1%

YoY0.0pp

QoQ+0.3pp

PFS BANCORP INC (MD)'s ROE was 1.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. That is unchanged from the same quarter a year earlier. Against the prior quarter it is up 0.3 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$51K

YoY-88.5%

QoQ-74.6%

PFS BANCORP INC (MD) spent $51K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 88.5% from the same quarter a year earlier. Against the prior quarter it is down 74.6%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

PFSB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PFSB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K
Revenue	$6.9M	$6.6M+11.1%	$5.9M+10.5%	$5.4M+14.7%	$4.7M
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 (Basic)	N/A	$1.10+93.0%	$0.57-9.5%	$0.63	N/A
EPS (Diluted)	$1.34	$1.09+91.2%	$0.57-9.5%	$0.63	N/A
Diluted Shares (Avg)	N/A	2M-3.9%	2M+0.1%	2M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$1.8M+7.0%	$1.7M+13.2%	$1.8M+7.4%	$1.7M+19.7%	$1.6M+15.0%	$1.5M+2.8%	$1.7M+13.0%	$1.4M+4.8%
SG&A Expenses	$676K+20.3%	$673K+21.3%	$730K+17.4%	$639K+7.6%	$562K+6.4%	$555K-5.6%	$622K+1.3%	$594K+16.5%
Interest Expense	$1.6M+9.7%	$1.5M+13.8%	$1.5M+11.6%	$1.4M+15.1%	$1.4M+15.8%	$1.3M+6.0%	$1.3M+1.8%	$1.2M+6.9%
Income Tax	$62K-45.6%	$76K-9.5%	$89K+122.5%	$118K+555.6%	$114K+32.6%	$84K+44.8%	$40K-52.4%	$18K-74.3%
Net Income	$437K-0.2%	$318K+11.6%	$532K+370.8%	$416K+71.9%	$438K+59.9%	$285K+3.3%	$113K-60.5%	$242K-19.3%
EPS (Basic)	$0.29+3.6%	$0.21+16.7%	$0.36+500.0%	$0.28+86.7%	$0.28+64.7%	$0.18+5.9%	$0.06	$0.15
EPS (Diluted)	$0.280.0%	$0.21+16.7%	$0.35+483.3%	$0.50	$0.28+64.7%	$0.18+5.9%	$0.06	$0.46
Diluted Shares (Avg)	2M-0.1%	2M-2.3%	N/A	2M	2M-2.6%	2M-0.7%	N/A	2M

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

PFSB Balance Sheet

PFSB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K
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
Short-Term Investments	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$208.0M0.0%	$210.7M+2.8%	$206.9M+4.7%	$202.9M+2.3%	$207.9M+4.7%	$205.0M+4.0%	$197.6M+2.2%	$198.4M-1.8%
Cash & Equivalents	$19.5M+34.4%	$22.1M+17.8%	$15.5M-4.7%	$9.1M-36.7%	$14.5M-20.5%	$18.8M+3.5%	$16.3M-19.5%	$14.4M-59.6%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$168.6M-0.9%	$171.7M+2.5%	$167.9M+4.3%	$164.6M+2.5%	$170.1M+4.7%	$167.6M+3.6%	$161.0M+2.2%	$160.6M-11.8%
Total Equity	$39.4M+4.3%	$39.0M+4.2%	$39.1M+6.5%	$38.3M+0.4%	$37.8M+3.8%	$37.4M+4.3%	$36.7M+2.1%	$38.1M+91.6%
Retained Earnings	$28.1M+6.4%	$27.7M+6.6%	$27.4M+6.5%	$26.8M+4.9%	$26.4M+4.3%	$26.0M+3.6%	$25.7M+3.6%	$25.6M+4.4%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

PFSB Cash Flow Statement

PFSB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K
Operating Cash Flow	$1.8M	$2.1M+56.4%	$1.4M-29.5%	$1.9M-12.3%	$2.2M
Depreciation & Amortization	N/A	$130K-13.9%	$151K+0.7%	$150K+3.4%	$145K
Stock-Based Compensation	N/A	$93K	N/A	N/A	N/A
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	-$104K-127.3%	$704K+23.9%	$624K+4000.0%	$563K+50.1%	$381K-27.3%	$568K+17.6%	-$16K-101.0%	$375K+1685.7%
Depreciation & Amortization	$30K-9.1%	$31K-8.8%	$32K-3.0%	$32K-13.5%	$33K-19.5%	$34K-15.0%	$33K-13.2%	$37K-2.6%
Stock-Based Compensation	N/A	$40K	N/A	N/A	N/A	N/A	N/A	N/A
Capital Expenditures	N/A	N/A	$4K-94.1%	$2K+100.0%	-$3.3M+3961.0%	$3.3M+4819.1%	$68K+466.7%	$1K-85.7%
Free Cash Flow	N/A	N/A	$620K+838.1%	$561K+50.0%	-$2.9M-767.2%	-$2.8M-769.2%	-$84K-105.2%	$374K+2571.4%
Investing Cash Flow	$119K+101.7%	$2.5M+156.9%	$2.4M+165.4%	$352K+116.1%	-$6.9M-553.2%	-$4.3M+31.6%	$905K+113.1%	-$2.2M+54.6%
Financing Cash Flow	-$2.7M-222.1%	$3.5M-45.1%	$3.3M+262.6%	-$6.3M-219.6%	$2.2M+274.5%	$6.3M+65.2%	$917K+108.9%	-$2.0M-111.2%
Share Buybacks	$51K-88.5%	$201K-2.4%	$93K	$584K	$442K	$206K	N/A	N/A

Not reported in any period shown, so not listed: Dividends Paid.

PFSB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PFSB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K
Net Margin	25.4%+10.1pp	15.3%-3.5pp	18.8%+1.0pp	17.8%
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
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.03
FCF Margin	32.2%+12.8pp	19.4%-16.0pp	35.3%-9.0pp	44.4%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	24.8%-1.8pp	19.2%-0.3pp	29.9%+23.1pp	24.7%+7.5pp	26.6%+7.5pp	19.5%+0.1pp	6.8%-12.7pp	17.2%-5.1pp
Return on Equity	1.1%0.0pp	0.8%+0.1pp	1.4%+1.0pp	1.1%+0.5pp	1.2%+0.4pp	0.8%0.0pp	0.3%-0.5pp	0.6%-0.9pp
Return on Assets	0.2%0.0pp	0.1%0.0pp	0.3%+0.2pp	0.2%+0.1pp	0.2%+0.1pp	0.1%0.0pp	0.1%-0.1pp	0.1%0.0pp
Debt-to-Equity	4.28-0.2x	4.41-0.1x	4.30-0.1x	4.30+0.1x	4.510.0x	4.480.0x	4.390.0x	4.21-4.9x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	N/A	N/A	34.8%+39.9pp	33.3%+6.7pp	-179.4%	-190.2%	-5.1%	26.5%+25.5pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Where PFS BANCORP INC (MD) Ranks

Frequently Asked Questions

What is PFS BANCORP INC (MD)'s annual revenue?

PFS BANCORP INC (MD) (PFSB) reported $6.6M in total revenue for fiscal year 2025. This represents a 11.1% 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 INC (MD)'s revenue growing?

PFS BANCORP INC (MD) (PFSB) revenue grew by 11.1% year-over-year, from $5.9M to $6.6M in fiscal year 2025.

Is PFS BANCORP INC (MD) profitable?

Yes, PFS BANCORP INC (MD) (PFSB) reported a net income of $1.7M in fiscal year 2025, with a net profit margin of 25.4%.

What is PFS BANCORP INC (MD)'s net profit margin?

PFS BANCORP INC (MD) (PFSB) had a net profit margin of 25.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is PFS BANCORP INC (MD)'s return on equity (ROE)?

PFS BANCORP INC (MD) (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 INC (MD)'s free cash flow?

PFS BANCORP INC (MD) (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 INC (MD)'s operating cash flow?

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

What are PFS BANCORP INC (MD)'s total assets?

PFS BANCORP INC (MD) (PFSB) had $206.9M in total assets as of fiscal year 2025, including both current and long-term assets.

What are PFS BANCORP INC (MD)'s capital expenditures?

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

Does PFS BANCORP INC (MD) buy back shares?

Yes, PFS BANCORP INC (MD) (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 INC (MD) have outstanding?

PFS BANCORP INC (MD) (PFSB) had 2M shares outstanding as of fiscal year 2025.

What is PFS BANCORP INC (MD)'s debt-to-equity ratio?

PFS BANCORP INC (MD) (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 INC (MD)'s return on assets (ROA)?

PFS BANCORP INC (MD) (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 INC (MD)'s P/E ratio?

PFS BANCORP INC (MD) (PFSB) trades at 19.8x earnings, its market capitalization divided by net income of $1.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $33.6M as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is PFS BANCORP INC (MD)'s price-to-sales ratio?

PFS BANCORP INC (MD) (PFSB) trades at 4.9x sales, its market capitalization divided by revenue of $6.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $33.6M as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is PFS BANCORP INC (MD)'s Piotroski F-Score?

PFS BANCORP INC (MD) (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 INC (MD)'s earnings high quality?

PFS BANCORP INC (MD) (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.