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How does PFSB make money? Does PFSB have pricing power? What's the Earnings Whisper? Will PFSB profit more as the business scales? What is PFSB's management track record? Is PFSB's current price justified?

PFS Bancorp, Inc.

$22.01 +$6.41 (+41.09%)

OTC · 11 Sep 2026 20:00 UTC

Previous Close

$21.74

Day Range

$21.98$22.01

Year Range

$12.35$22.01

Market Cap

34.1M

AVG Volume

1.99K

Trailing/Forward PE

19.31/-

PEG ratio

0.3

Dividend Yield

Next Earnings Date

Primary Exchange

Other OTC

Revenue (USD)

PFSB Revenue (USD) by quarter
Period	Revenue (USD)
26 Q2	2.53M
26 Q1	2.46M
25 Q4	-6.64M
25 Q3	2.26M
25 Q2	2.46M
25 Q1	2.27M
24 Q4	2.47M
24 Q3	2.19M
24 Q2	2.18M

Net Income (USD)

PFSB Net Income (USD) by quarter
Period	Net Income (USD)
26 Q2	437K
26 Q1	318K
25 Q4	532K
25 Q3	416K
25 Q2	438K
25 Q1	285K
24 Q4	113K
24 Q3	242K
24 Q2	274K

Operating Income (USD)

PFSB Operating Income (USD) by quarter
Period	Operating Income (USD)
26 Q2	499K
26 Q1	394K
25 Q4	-921K
25 Q3	0
25 Q2	552K
25 Q1	369K
24 Q4	152K
24 Q3	260K
24 Q2	360K

EBITDA (USD)

PFSB EBITDA (USD) by quarter
Period	EBITDA (USD)
26 Q2	529K
26 Q1	425K
25 Q4	-1.52M
25 Q3	534K
25 Q2	585K
25 Q1	403K
24 Q4	185K
24 Q3	297K
24 Q2	401K

Cash Flows (USD)

PFSB Cash Flows (USD) by quarter
Period	Cash Flows (USD)
26 Q2	-177K
26 Q1	704K
25 Q4	620K
25 Q3	561K
25 Q2	3.71M
25 Q1	553K
24 Q4	-84K
24 Q3	374K
24 Q2	442K

EPS (USD)

PFSB EPS (USD) by quarter
Period	EPS (USD)
26 Q2	0.28
26 Q1	0.21
25 Q4	0.35
25 Q3	0.28
25 Q2	0.28
25 Q1	0.18
24 Q4	0.07
24 Q3	0.16
24 Q2	0.17

Expenses (USD)

PFSB Expenses (USD) by quarter
Period	Expenses (USD)
26 Q2	253K
26 Q1	134K
25 Q4	-1.44M
25 Q3	165K
25 Q2	-2.68M
25 Q1	647K
24 Q4	753K
24 Q3	686K
24 Q2	695K

Cash & Debt (USD)

PFSB Cash & Debt (USD) by quarter
Period	Cash & Debt (USD)
26 Q2	82.63M
26 Q1	86.99M
25 Q4	82.42M
25 Q3	77.82M
25 Q2	85.61M
25 Q1	87.56M
24 Q4	58.83M
24 Q3	85.14M
24 Q2	88.34M

Debt ratios

PFSB Debt ratios by quarter
Period	Debt ratios
26 Q2	2430.38
26 Q1	-3954.05
25 Q3	-45.59
25 Q2	-58.24
25 Q1	-68.09

Margins

PFSB Margins by quarter
Period	Margins
26 Q2	68.51%
26 Q1	66.61%
25 Q4	45.07%
25 Q3	0%
25 Q2	64.59%
25 Q1	61.77%
24 Q4	66.44%
24 Q3	59.31%
24 Q2	65.34%

Return on Capital

PFSB Return on Capital by quarter
Period	Return on Capital
26 Q2	1.11%
26 Q1	0.82%
25 Q4	1.36%
25 Q3	1.09%
25 Q2	1.16%
25 Q1	0.76%
24 Q4	0.31%
24 Q3	0.64%
24 Q2	0.76%

Shares Outstanding

PFSB Shares Outstanding by quarter
Period	Shares Outstanding
26 Q2	1.51M
26 Q1	1.51M
25 Q4	1.73M
25 Q3	1.51M
25 Q2	1.55M
25 Q1	1.58M
24 Q4	1.59M
24 Q3	1.56M
24 Q2	1.59M

Book Value Per Share (USD)

PFSB Book Value Per Share (USD) by quarter
Period	Book Value Per Share (USD)
26 Q2	26.04
26 Q1	25.81
25 Q4	22.64
25 Q3	25.36
25 Q2	24.31
25 Q1	23.63
24 Q4	23.08
24 Q3	24.24
24 Q2	22.56

Total Assets (USD)

PFSB Total Assets (USD) by quarter
Period	Total Assets (USD)
26 Q2	208.01M
26 Q1	210.71M
25 Q4	206.91M
25 Q3	202.92M
25 Q2	207.91M
25 Q1	205.01M
24 Q4	197.64M
24 Q3	198.35M
24 Q2	198.5M

Employee Count

PFSB Employee Count by quarter
Period	Employee Count
2025	24
2024	24
2023	23

PE Ratio

PFSB PE Ratio by quarter
Period	PE Ratio
Sep 26	19.55
Sep 26	18.95
Aug 26	18.61
Aug 26	18.61
Aug 26	18.08
Aug 26	18.03
Jul 26	17.93
Jul 26	18
Jul 26	17.33
Jul 26	16.84
Jul 26	16.78
Jun 26	16.18
Jun 26	16.3
Jun 26	16.26
Jun 26	16.08
May 26	16.25
May 26	16.17
May 26	16.31
May 26	16.35
May 26	18.81
Apr 26	18.57
Apr 26	17.3
Apr 26	17.24
Apr 26	16.85
Mar 26	16.9
Mar 26	19.65
Mar 26	20.38
Mar 26	20.5
Feb 26	20.32
Feb 26	20.32
Feb 26	20.14
Feb 26	19.41
Jan 26	19.29
Jan 26	19.22
Jan 26	19.05
Jan 26	18.69
Jan 26	18.81
Dec 25	18.75
Dec 25	18.69
Dec 25	18.09
Dec 25	17.48
Nov 25	16.51
Nov 25	16.4
Nov 25	16.03
Nov 25	15.66
Oct 25	18.88
Oct 25	18.74
Oct 25	18.38
Oct 25	18.74
Oct 25	18.35
Sep 25	18.3
Sep 25	18.26
Sep 25	17.79
Sep 25	17.3
Aug 25	17.37
Aug 25	16.99
Aug 25	17.08
Aug 25	16.63
Aug 25	20.43
Jul 25	19.98
Jul 25	19.4
Jul 25	19.4
Jul 25	19.32
Jun 25	19.06
Jun 25	19.23
Jun 25	19.01
Jun 25	18.88
May 25	19.37
May 25	19.04
May 25	18.62
May 25	17.62

Free Cash Flow Yield

PFSB Free Cash Flow Yield by quarter
Period	Free Cash Flow Yield
Sep 26	5.13%
Sep 26	5.29%
Aug 26	5.39%
Aug 26	5.39%
Aug 26	5.55%
Aug 26	5.56%
Jul 26	18.31%
Jul 26	18.25%
Jul 26	18.95%
Jul 26	19.5%
Jul 26	19.57%
Jun 26	20.3%
Jun 26	20.14%
Jun 26	20.2%
Jun 26	20.42%
May 26	20.21%
May 26	20.31%
May 26	20.13%
May 26	20.09%
May 26	17.32%
Apr 26	17.55%
Apr 26	18.83%
Apr 26	18.9%
Apr 26	19.34%
Mar 26	19.28%
Mar 26	19.27%
Mar 26	18.58%
Mar 26	18.47%
Feb 26	18.64%
Feb 26	18.64%
Feb 26	18.8%
Feb 26	19.51%
Jan 26	19.63%
Jan 26	19.7%
Jan 26	19.88%
Jan 26	20.26%
Jan 26	20.13%
Dec 25	20.2%
Dec 25	20.26%
Dec 25	20.94%
Dec 25	21.66%
Nov 25	22.94%
Nov 25	23.09%
Nov 25	23.63%
Nov 25	24.18%
Oct 25	22.37%
Oct 25	22.55%
Oct 25	22.99%
Oct 25	22.55%
Oct 25	23.02%
Sep 25	23.08%
Sep 25	23.13%
Sep 25	23.75%
Sep 25	24.42%
Aug 25	24.32%
Aug 25	24.86%
Aug 25	24.73%
Aug 25	25.4%
Aug 25	6.88%
Jul 25	7.04%
Jul 25	7.25%
Jul 25	7.25%
Jul 25	7.28%
Jun 25	7.38%
Jun 25	7.31%
Jun 25	7.4%
Jun 25	7.44%
May 25	7.26%
May 25	7.38%
May 25	7.55%
May 25	7.98%

Price to Sales

PFSB Price to Sales by quarter
Period	Price to Sales
Sep 26	54.48
Sep 26	52.82
Aug 26	51.86
Aug 26	51.88
Aug 26	50.4
Aug 26	50.25
Jul 26	56.91
Jul 26	57.11
Jul 26	55
Jul 26	53.45
Jul 26	53.25
Jun 26	51.34
Jun 26	51.74
Jun 26	51.59
Jun 26	51.03
May 26	51.57
May 26	51.31
May 26	51.76
May 26	51.88
May 26	89.54
Apr 26	88.41
Apr 26	82.37
Apr 26	82.07
Apr 26	80.21
Mar 26	80.45
Mar 26	2.6
Mar 26	2.7
Mar 26	2.71
Feb 26	2.69
Feb 26	2.69
Feb 26	2.67
Feb 26	2.57
Jan 26	2.55
Jan 26	2.55
Jan 26	2.52
Jan 26	2.47
Jan 26	2.49
Dec 25	2.48
Dec 25	2.47
Dec 25	2.4
Dec 25	2.32
Nov 25	2.19
Nov 25	2.17
Nov 25	2.12
Nov 25	2.07
Oct 25	2.17
Oct 25	2.15
Oct 25	2.11
Oct 25	2.15
Oct 25	2.11
Sep 25	2.1
Sep 25	2.1
Sep 25	2.04
Sep 25	1.99
Aug 25	2
Aug 25	1.95
Aug 25	1.96
Aug 25	1.91
Aug 25	2.05
Jul 25	2.01
Jul 25	1.95
Jul 25	1.95
Jul 25	1.94
Jun 25	1.91
Jun 25	1.93
Jun 25	1.91
Jun 25	1.9
May 25	1.94
May 25	1.91
May 25	1.87
May 25	1.77

EV/EBITDA

PFSB EV/EBITDA by quarter
Period	EV/EBITDA
Jul 26	-2564.95
Jul 26	-2560.15
Jul 26	-2611.62
Jul 26	-2649.37
Jul 26	-2654.17
Jun 26	-2700.84
Jun 26	-2691.23
Jun 26	-2694.66
Jun 26	-2708.39
May 26	-2695.35
May 26	-2701.53
May 26	-2690.55
May 26	-2687.8
Mar 26	-31.18
Mar 26	-30.64
Mar 26	-30.56
Feb 26	-30.69
Feb 26	-30.69
Feb 26	-30.82
Feb 26	-31.35
Jan 26	-31.44
Jan 26	-31.49
Jan 26	-31.62
Jan 26	-31.88
Jan 26	-31.79
Dec 25	-31.84
Dec 25	-31.88
Dec 25	-32.33
Dec 25	-32.77
Nov 25	-33.48
Nov 25	-33.56
Nov 25	-33.84
Nov 25	-34.1
Oct 25	-44.39
Oct 25	-44.5
Oct 25	-44.76
Oct 25	-44.5
Oct 25	-44.78
Sep 25	-44.82
Sep 25	-44.85
Sep 25	-45.2
Sep 25	-45.56
Aug 25	-45.5
Aug 25	-45.78
Aug 25	-45.71
Aug 25	-46.04
Aug 25	-53.57
Jul 25	-53.89
Jul 25	-54.3
Jul 25	-54.3
Jul 25	-54.36
Jun 25	-54.54
Jun 25	-54.42
Jun 25	-54.58
Jun 25	-54.67
May 25	-54.32
May 25	-54.56
May 25	-54.85
May 25	-55.57

Price/Operating Cashflow

PFSB Price/Operating Cashflow by quarter
Period	Price/Operating Cashflow
Sep 26	18.63
Sep 26	18.06
Aug 26	17.73
Aug 26	17.74
Aug 26	17.23
Aug 26	17.18
Jul 26	13.45
Jul 26	13.5
Jul 26	13
Jul 26	12.63
Jul 26	12.59
Jun 26	12.13
Jun 26	12.23
Jun 26	12.19
Jun 26	12.06
May 26	12.19
May 26	12.13
May 26	12.23
May 26	12.26
May 26	14.71
Apr 26	14.53
Apr 26	13.54
Apr 26	13.49
Apr 26	13.18
Mar 26	13.22
Mar 26	16.45
Mar 26	17.05
Mar 26	17.16
Feb 26	17
Feb 26	17
Feb 26	16.85
Feb 26	16.25
Jan 26	16.15
Jan 26	16.09
Jan 26	15.94
Jan 26	15.64
Jan 26	15.74
Dec 25	15.69
Dec 25	15.64
Dec 25	15.14
Dec 25	14.63
Nov 25	13.82
Nov 25	13.72
Nov 25	13.41
Nov 25	13.11
Oct 25	15.56
Oct 25	15.44
Oct 25	15.15
Oct 25	15.44
Oct 25	15.12
Sep 25	15.09
Sep 25	15.05
Sep 25	14.66
Sep 25	14.25
Aug 25	14.31
Aug 25	14.01
Aug 25	14.08
Aug 25	13.71
Aug 25	12.87
Jul 25	12.58
Jul 25	12.22
Jul 25	12.22
Jul 25	12.17
Jun 25	12
Jun 25	12.11
Jun 25	11.97
Jun 25	11.9
May 25	12.2
May 25	11.99
May 25	11.73
May 25	11.1

Price to Book

PFSB Price to Book by quarter
Period	Price to Book
Sep 26	0.85
Sep 26	0.82
Aug 26	0.8
Aug 26	0.8
Aug 26	0.78
Aug 26	0.78
Jul 26	0.78
Jul 26	0.79
Jul 26	0.76
Jul 26	0.74
Jul 26	0.73
Jun 26	0.71
Jun 26	0.71
Jun 26	0.71
Jun 26	0.7
May 26	0.71
May 26	0.71
May 26	0.71
May 26	0.71
May 26	0.8
Apr 26	0.79
Apr 26	0.74
Apr 26	0.74
Apr 26	0.72
Mar 26	0.72
Mar 26	0.64
Mar 26	0.67
Mar 26	0.67
Feb 26	0.66
Feb 26	0.66
Feb 26	0.66
Feb 26	0.63
Jan 26	0.63
Jan 26	0.63
Jan 26	0.62
Jan 26	0.61
Jan 26	0.62
Dec 25	0.61
Dec 25	0.61
Dec 25	0.59
Dec 25	0.57
Nov 25	0.54
Nov 25	0.54
Nov 25	0.52
Nov 25	0.51
Oct 25	0.54
Oct 25	0.53
Oct 25	0.52
Oct 25	0.53
Oct 25	0.52
Sep 25	0.52
Sep 25	0.52
Sep 25	0.51
Sep 25	0.49
Aug 25	0.5
Aug 25	0.49
Aug 25	0.49
Aug 25	0.47
Aug 25	0.5
Jul 25	0.49
Jul 25	0.47
Jul 25	0.47
Jul 25	0.47
Jun 25	0.47
Jun 25	0.47
Jun 25	0.46
Jun 25	0.46
May 25	0.47
May 25	0.47
May 25	0.46
May 25	0.43
May 25	0.45
Apr 25	0.44
Apr 25	0.44
Apr 25	0.44
Apr 25	0.43
Mar 25	0.45
Mar 25	0.42
Mar 25	0.42
Mar 25	0.43
Feb 25	0.45
Feb 25	0.45
Feb 25	0.44
Feb 25	0.44
Jan 25	0.44
Jan 25	0.44
Jan 25	0.45
Jan 25	0.46
Jan 25	0.46
Dec 24	0.46
Dec 24	0.46
Dec 24	0.46
Dec 24	0.44
Nov 24	0.43
Nov 24	0.43
Nov 24	0.43
Nov 24	0.46
Nov 24	0.46
Oct 24	0.46
Oct 24	0.46

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PFS Bancorp, Inc.

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