Welcome to our dedicated page for PFS Bancorp SEC filings (Ticker: PFSB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
PFS Bancorp, Inc. (PFSB), the holding company for Peru Federal Savings Bank, files regulatory reports with the U.S. Securities and Exchange Commission as part of its obligations as a publicly traded financial institution. These SEC filings provide structured information about material events, capital actions, and other corporate matters affecting the company and its shareholders.
Among the filings, current reports on Form 8-K are used to disclose significant developments. For example, PFS Bancorp, Inc. filed an 8-K describing the authorization of additional stock repurchases for its outstanding common stock and incorporated a related press release by reference as an exhibit. Such filings give investors formal notice of decisions regarding stock repurchase programs, including the number of shares authorized and references to the conditions under which repurchases may occur.
On this page, users can review PFS Bancorp, Inc.’s SEC filings, including 8-Ks and other periodic reports, with AI-powered summaries that explain the key points in accessible language. Real-time updates from the EDGAR system help surface new filings as they are made available. For investors tracking capital management and governance, filings related to stock repurchase authorizations and other corporate actions are particularly relevant.
In addition to current reports, users can explore the company’s broader filing history to understand how PFS Bancorp, Inc. has described its mutual-to-stock conversion, stock offering, and ongoing responsibilities as the holding company for Peru Federal Savings Bank. AI-generated highlights can assist in identifying important sections within lengthy documents, helping readers focus on the disclosures most relevant to their analysis of PFS Bancorp, Inc.
PFS Bancorp, Inc. received an amended Schedule 13G from the Peru Federal Savings Bank Employee Stock Ownership Plan Trust, reporting a significant ownership position in its common stock. The trust beneficially owns 138,000 shares, representing 8.6% of the outstanding common stock.
The trust has sole voting power over 121,440 shares and shared voting power over 16,560 shares, with sole dispositive power over all 138,000 shares. The filing states that the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of PFS Bancorp.
PFS Bancorp, Inc. reported that on December 1, 2025, its board authorized additional stock repurchases for up to 155,693 shares of the company’s outstanding common stock. This authorization gives the company the ability to buy back more of its shares in the market or through other permitted methods, which can reduce the share count over time and concentrate ownership among remaining shareholders. The company directed investors to a press release dated December 3, 2025 for more details on the repurchase authorization.
PFS Bancorp, Inc. reported stronger quarterly results in its Q3 filing. Net income rose to $416 thousand from $242 thousand a year ago, and EPS increased to $0.28 from $0.15. For the nine-month period, net income was $1.139 million with EPS of $0.74, up from $0.50.
Core banking trends were constructive. Net interest income improved to $1.429 million in Q3 (from $1.241 million) as loan interest rose with a larger portfolio; loans, net, reached $108.953 million vs. $96.274 million at year-end. The provision for credit losses was $40 thousand in Q3, down from $113 thousand, and the allowance increased to $847 thousand. Noninterest income was $257 thousand (vs. $168 thousand), while expenses were held near flat at $1.112 million.
The balance sheet expanded modestly: total assets were $202.920 million (vs. $197.637 million), and deposits were $163.060 million. Accumulated other comprehensive loss improved to $(1.704) million, reflecting higher securities values. Stockholders’ equity increased to $38.289 million. The company repurchased 47,700 shares in Q3 and 109,975 year-to-date. Shares outstanding were 1,603,945 as of November 6, 2025.