PFS Bancorp Past Earnings Performance
Past criteria checks 3/6
PFS Bancorp has been growing earnings at an average annual rate of 8.1%, while the Banks industry saw earnings growing at 7.1% annually. Revenues have been growing at an average rate of 8.1% per year. PFS Bancorp's return on equity is 2.9%, and it has net margins of 19.4%.
Key information
8.1%
Earnings growth rate
46.0%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 8.1% |
| Return on equity | 2.9% |
| Net Margin | 19.4% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses Breakdown
How PFS Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 6 | 1 | 4 | 0 |
| 30 Jun 24 | 6 | 1 | 4 | 0 |
| 31 Mar 24 | 5 | 1 | 4 | 0 |
| 31 Dec 23 | 5 | 1 | 4 | 0 |
| 30 Sep 23 | 5 | 1 | 4 | 0 |
| 30 Jun 23 | 5 | 1 | 4 | 0 |
| 31 Mar 23 | 5 | 1 | 3 | 0 |
| 31 Dec 22 | 5 | 1 | 3 | 0 |
| 31 Dec 21 | 5 | 1 | 3 | 0 |
Quality Earnings: PFSB has high quality earnings.
Growing Profit Margin: PFSB's current net profit margins (19.4%) are higher than last year (16.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if PFSB's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare PFSB's past year earnings growth to its 5-year average.
Earnings vs Industry: PFSB earnings growth over the past year (31.8%) exceeded the Banks industry -12.2%.
Return on Equity
High ROE: PFSB's Return on Equity (2.9%) is considered low.