PFSB
PFS Bancorp, Inc.
Price Chart
Latest Quote
$18.40
+0.00 (+0.00%)
Current Price
| Previous Close | $18.40 |
| Open | $18.40 |
| Day High | $18.40 |
| Day Low | $18.40 |
| Volume | 800 |
Stock Information
| Shares Outstanding | 1.55M |
| Cash Equivalents | $26.65M |
| Revenue | $6.66M |
| Net Income | $1.70M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $28.51M |
| P/E Ratio | 16.43 |
| EPS (TTM) | $1.12 |
| Exchange | OQB |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $-425K |
| Sales | $6.66M |
| Income | $1.70M |
| Book/sh | $27.27 |
| Cash/sh | $17.20 |
| Employees | 25 |
Financial Ratios
| EPS Growth TTM | 11.60% |
Returns & Margins
| ROA | 0.82% |
| ROE | 4.46% |
| Operating Margin | 26.37% |
| Profit Margin | 25.60% |
Ownership
| Insider Ownership | 19.18% |
| Institutional Ownership | 8.43% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 4.28 |
| P/B | 0.67 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $18.28 |
| SMA50 | $17.97 |
| SMA200 | $15.53 |
| RSI | 54.73 |
| ATR | 0.0705 |
| Shares Float | 1.28M |
| Volatility | 0.36 |
| Rel Volume | 0.48 |
Performance History
| Week | +0.88% |
| Month | -0.05% |
| Quarter | +11.52% |
| 6 Months | +19.48% |
| YTD | +17.95% |
| Year | +65.77% |
| 10 Years | +106.74% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $18.40 | 900 |
| 2026-06-17 | $18.40 | 2,100 |
| 2026-06-16 | $18.35 | 5,100 |
| 2026-06-15 | $18.34 | 200 |
| 2026-06-12 | $18.35 | 4,800 |
| 2026-06-11 | $18.24 | 500 |
| 2026-06-10 | $18.21 | 600 |
| 2026-06-09 | $18.24 | 1,100 |
| 2026-06-08 | $18.21 | 1,100 |
| 2026-06-05 | $18.15 | 0 |
| 2026-06-04 | $18.15 | 5,200 |
| 2026-06-03 | $18.20 | 2,300 |
| 2026-06-02 | $18.15 | 7,600 |
| 2026-06-01 | $18.34 | 0 |
| 2026-05-29 | $18.34 | 500 |
| 2026-05-28 | $18.34 | 300 |
| 2026-05-27 | $18.19 | 2,000 |
| 2026-05-26 | $18.22 | 1,500 |
| 2026-05-22 | $18.25 | 1,800 |
| 2026-05-21 | $18.44 | 0 |
| 2026-05-20 | $18.44 | 1,800 |
| 2026-05-19 | $18.41 | 0 |
About PFS Bancorp, Inc.
PFS Bancorp, Inc. operates as a bank holding company for Peru Federal 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. In addition, the company offers electronic banking services, including mobile banking, on-line banking, and bill pay, as well as electronic funds transfer services through Zelle; and invests in securities. PFS Bancorp, Inc. was founded in 1887 and is based in Peru, Illinois.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|
| Revenue | |||
| Total Revenue | $5,917,000 | $5,350,000 | $4,672,000 |
| Operating Revenue | $5,917,000 | $5,350,000 | $4,672,000 |
| Expenses | |||
| Interest Expense | $2,982,000 | $1,869,000 | $640,000 |
| Selling And Marketing Expense | $142,000 | $144,000 | $129,000 |
| General And Administrative Expense | $2,503,000 | $2,438,000 | $2,142,000 |
| Professional Expense And Contract Services Expense | $383,000 | $243,000 | $152,000 |
| Other Non Interest Expense | $1,187,000 | $773,000 | $813,000 |
| Income & Earnings | |||
| Net Income From Continuing Operation Net Minority Interest | $905,000 | $1,008,000 | $831,000 |
| Net Interest Income | $5,011,000 | $4,668,000 | $4,150,000 |
| Interest Income | $7,993,000 | $6,537,000 | $4,790,000 |
| Normalized Income | $905,000 | $1,008,000 | $831,000 |
| Net Income From Continuing And Discontinued Operation | $905,000 | $1,008,000 | $831,000 |
| Net Income Common Stockholders | $905,000 | $1,008,000 | $831,000 |
| Net Income | $905,000 | $1,008,000 | $831,000 |
| Net Income Including Noncontrolling Interests | $905,000 | $1,008,000 | $831,000 |
| Net Income Continuous Operations | $905,000 | $1,008,000 | $831,000 |
| Pretax Income | $1,107,000 | $1,248,000 | $986,000 |
| Depreciation Amortization Depletion Income Statement | $151,000 | $150,000 | $145,000 |
| Depreciation And Amortization In Income Statement | $151,000 | $150,000 | $145,000 |
| Depreciation Income Statement | $151,000 | $150,000 | $145,000 |
| Per Share | |||
| Diluted EPS | $0.57 | $0.63 | $0.48 |
| Basic EPS | $0.57 | $0.63 | $0.48 |
| Other | |||
| Tax Effect Of Unusual Items | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 |
| Reconciled Depreciation | $151,000 | $150,000 | $145,000 |
| Diluted Average Shares | $1,594,547 | $1,592,520 | $1,725,000 |
| Basic Average Shares | $1,594,547 | $1,592,520 | $1,725,000 |
| Diluted NI Availto Com Stockholders | $905,000 | $1,008,000 | $831,000 |
| Tax Provision | $202,000 | $240,000 | $155,000 |
| Gain On Sale Of Security | $0 | $0 | $-221,000 |
| Selling General And Administration | $2,645,000 | $2,582,000 | $2,271,000 |
| Insurance And Claims | $171,000 | $141,000 | $140,000 |
| Salaries And Wages | $2,332,000 | $2,297,000 | $2,002,000 |
| Occupancy And Equipment | $279,000 | $255,000 | $244,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|
| Assets | |||
| Net Tangible Assets | $36,421,000 | $35,619,000 | $19,824,000 |
| Total Assets | $197,637,000 | $193,453,000 | $174,134,000 |
| Goodwill And Other Intangible Assets | $254,000 | $300,000 | $315,000 |
| Other Intangible Assets | $254,000 | $300,000 | $315,000 |
| Receivables | $733,000 | $689,000 | $690,000 |
| Accounts Receivable | $733,000 | $689,000 | $592,000 |
| Cash And Cash Equivalents | $16,256,000 | $20,202,000 | $12,651,000 |
| Cash Cash Equivalents And Federal Funds Sold | $16,256,000 | $20,202,000 | $12,651,000 |
| Other Receivables | - | - | $98,000 |
| Liabilities | |||
| Minimum Pension Liabilities | $400,000 | $400,000 | - |
| Total Liabilities Net Minority Interest | $160,962,000 | $157,534,000 | $153,995,000 |
| Payables And Accrued Expenses | $173,000 | $257,000 | $0 |
| Payables | $173,000 | $257,000 | $0 |
| Total Tax Payable | $173,000 | $257,000 | $0 |
| Income Tax Payable | $173,000 | $257,000 | $0 |
| Equity | |||
| Common Stock Equity | $36,675,000 | $35,919,000 | $20,139,000 |
| Total Equity Gross Minority Interest | $36,675,000 | $35,919,000 | $20,139,000 |
| Stockholders Equity | $36,675,000 | $35,919,000 | $20,139,000 |
| Other Equity Interest | $-1,270,000 | $-1,325,000 | - |
| Gains Losses Not Affecting Retained Earnings | $-2,913,000 | $-2,774,000 | $-3,689,000 |
| Other Equity Adjustments | $-3,313,000 | $-3,174,000 | $-3,689,000 |
| Retained Earnings | $25,701,000 | $24,796,000 | $23,828,000 |
| Other | |||
| Treasury Shares Number | $45,693 | $40,000 | - |
| Ordinary Shares Number | $1,679,307 | $1,685,000 | $1,725,000 |
| Share Issued | $1,725,000 | $1,725,000 | $1,725,000 |
| Tangible Book Value | $36,421,000 | $35,619,000 | $19,824,000 |
| Treasury Stock | $463,000 | $400,000 | - |
| Additional Paid In Capital | $15,603,000 | $15,605,000 | $0 |
| Capital Stock | $17,000 | $17,000 | $0 |
| Common Stock | $17,000 | $17,000 | - |
| Preferred Stock | $0 | $0 | $0 |
| Employee Benefits | $645,000 | $521,000 | $687,000 |
| Investments And Advances | $75,151,000 | $72,575,000 | $66,563,000 |
| Held To Maturity Securities | $6,320,000 | $8,947,000 | $3,146,000 |
| Available For Sale Securities | $26,258,000 | $115,000 | $88,000 |
| Net PPE | $2,101,000 | $2,037,000 | $2,150,000 |
| Accumulated Depreciation | $-2,811,000 | $-2,748,000 | $-2,608,000 |
| Gross PPE | $4,912,000 | $4,785,000 | $4,758,000 |
| Other Properties | $1,103,000 | $1,033,000 | $1,011,000 |
| Buildings And Improvements | $3,063,000 | $3,020,000 | $3,015,000 |
| Land And Improvements | $746,000 | $732,000 | $732,000 |
| Other Short Term Investments | $42,573,000 | $63,513,000 | $63,329,000 |
| Non Current Pension And Other Postretirement Benefit Plans | - | $921,000 | $687,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|
| Free Cash Flow | |||
| Free Cash Flow | $1,147,000 | $1,893,000 | $2,073,000 |
| Operating Activities | |||
| Operating Cash Flow | $1,366,000 | $1,937,000 | $2,209,000 |
| Cash Flow From Continuing Operating Activities | $1,366,000 | $1,937,000 | $2,209,000 |
| Operating Gains Losses | $-3,000 | $14,000 | $81,000 |
| Investing Activities | |||
| Capital Expenditure | $-219,000 | $-44,000 | $-136,000 |
| Investing Cash Flow | $-8,675,000 | $-11,688,000 | $-2,895,000 |
| Cash Flow From Continuing Investing Activities | $-8,675,000 | $-11,688,000 | $-2,895,000 |
| Net Other Investing Changes | - | - | $-17,000 |
| Financing Activities | |||
| Repurchase Of Capital Stock | $-63,000 | $-400,000 | $0 |
| Issuance Of Capital Stock | $0 | $17,250,000 | $0 |
| Financing Cash Flow | $3,363,000 | $17,302,000 | $-8,205,000 |
| Cash Flow From Continuing Financing Activities | $3,363,000 | $17,302,000 | $-8,205,000 |
| Net Common Stock Issuance | $-63,000 | $16,850,000 | $0 |
| Common Stock Issuance | $0 | $17,250,000 | $0 |
| Net Other Financing Charges | - | $-1,622,000 | - |
| Other | |||
| Interest Paid Supplemental Data | $2,978,000 | $1,885,000 | $624,000 |
| Income Tax Paid Supplemental Data | $268,000 | $0 | $300,000 |
| End Cash Position | $16,256,000 | $20,202,000 | $12,651,000 |
| Beginning Cash Position | $20,202,000 | $12,651,000 | $21,542,000 |
| Changes In Cash | $-3,946,000 | $7,551,000 | $-8,891,000 |
| Proceeds From Stock Option Exercised | $0 | $-1,380,000 | $0 |
| Common Stock Payments | $-63,000 | $-400,000 | $0 |
| Net Investment Purchase And Sale | $-2,734,000 | $-5,714,000 | $1,371,000 |
| Sale Of Investment | $9,050,000 | $8,180,000 | $20,327,000 |
| Purchase Of Investment | $-11,784,000 | $-13,894,000 | $-18,956,000 |
| Net PPE Purchase And Sale | $-219,000 | $-44,000 | $-136,000 |
| Purchase Of PPE | $-219,000 | $-44,000 | $-136,000 |
| Change In Working Capital | $204,000 | $369,000 | $243,000 |
| Change In Other Current Assets | $241,000 | $-19,000 | $185,000 |
| Change In Payables And Accrued Expense | $7,000 | $485,000 | $84,000 |
| Change In Payable | $7,000 | $485,000 | $84,000 |
| Change In Account Payable | $7,000 | $485,000 | $84,000 |
| Change In Receivables | $-44,000 | $-97,000 | $-26,000 |
| Changes In Account Receivables | $-44,000 | $-97,000 | $-26,000 |
| Other Non Cash Items | $-102,000 | $-94,000 | $-87,000 |
| Stock Based Compensation | $53,000 | $49,000 | $0 |
| Unrealized Gain Loss On Investment Securities | $-210,000 | $-27,000 | $24,000 |
| Deferred Tax | $30,000 | $-81,000 | $-2,000 |
| Deferred Income Tax | $30,000 | $-81,000 | $-2,000 |
| Depreciation Amortization Depletion | $151,000 | $150,000 | $145,000 |
| Depreciation And Amortization | $151,000 | $150,000 | $145,000 |
| Depreciation | $151,000 | $150,000 | $145,000 |
| Gain Loss On Sale Of PPE | $4,000 | $7,000 | $0 |
| Net Income From Continuing Operations | $905,000 | $1,008,000 | $831,000 |
| Repayment Of Debt | - | $0 | $-5,000,000 |
| Net Issuance Payments Of Debt | - | $0 | $-5,000,000 |
| Net Long Term Debt Issuance | - | $0 | $-5,000,000 |
| Long Term Debt Payments | - | $0 | $-5,000,000 |
| Gain Loss On Investment Securities | - | $0 | $221,000 |
Fetched: 2026-02-02