PFS Bancorp (PFSB) Stock Overview

Operates as a bank holding company for Peru Federal Savings Bank, a federally chartered mutual savings bank that provides banking and financial products and services to individual and corporate customers in the United States. More details

PFSB fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	0/6

Rewards

Price-To-Earnings ratio (18.3x) is below the US market (19.1x)

Earnings have grown 7.2% per year over the past 5 years

Risk Analysis

Does not have a meaningful market cap ($23M)

PFSB Community Fair Values

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PFS Bancorp, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for PFS Bancorp
Historical stock prices
Current Share Price	US$15.50
52 Week High	US$15.75
52 Week Low	US$9.55
Beta	0.20
1 Month Change	6.90%
3 Month Change	20.34%
1 Year Change	39.26%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	72.22%

Recent updates

Shareholder Returns

	PFSB	US Banks	US Market
7D	-0.6%	2.8%	0.5%
1Y	39.3%	28.0%	16.6%

Return vs Industry: PFSB exceeded the US Banks industry which returned 28% over the past year.

Return vs Market: PFSB exceeded the US Market which returned 16.6% over the past year.

Price Volatility

Is PFSB's price volatile compared to industry and market?
PFSB volatility
PFSB Average Weekly Movement	2.6%
Banks Industry Average Movement	3.8%
Market Average Movement	6.5%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.0%

Stable Share Price: PFSB has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: PFSB's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1887	25	Eric Heagy	www.perufederalsavings.com

PFS Bancorp, Inc. operates as a bank holding company for Peru Federal Savings Bank, a federally chartered mutual savings bank that provides banking and financial products and services to individual and corporate customers in the United States. The company offers checking accounts, savings accounts, individual retirement accounts, and certificate of deposit accounts; and non-interest-bearing demand, NOW savings, money market, and time deposits. It also provides one- to four-family residential mortgage, multi-family real estate, commercial real estate, agricultural real estate, construction and land development, commercial, and consumer loans, as well as home equity loans and lines of credit.

PFS Bancorp, Inc. Fundamentals Summary

How do PFS Bancorp's earnings and revenue compare to its market cap?
PFSB fundamental statistics
Market cap	US$23.01m
Earnings (TTM)	US$1.25m
Revenue (TTM)	US$6.28m

18.3x

P/E Ratio

0.6x

P/B Ratio

Is PFSB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PFSB income statement (TTM)
Revenue	US$6.28m
Cost of Revenue	US$0
Gross Profit	US$6.28m
Other Expenses	US$5.02m
Earnings	US$1.25m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	0.85
Gross Margin	100.00%
Net Profit Margin	19.95%
Debt/Equity Ratio	0%

How did PFSB perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/01/06 01:12
End of Day Share Price	2026/01/06 00:00
Earnings	2025/09/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

PFS Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

PFS Bancorp, Inc.OTCPK:PFSB Stock Report