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COMPANY SUMMARY
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.
Financial Summary
| Share Statistics | PFSB | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $28.9 | $716.9 | 12% |
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| Shares Out (Mil) | 1.5 | 15.7 | 6% |
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| Institutional Ownership | 64.0% | 83.0% | 40% |
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| Float (Mil) | 1.3 | 21.2 | 3% |
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| Beta | 0.36 | 0.48 | 20% |
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| Avg Daily Volume (000s) | 1 | 53 | 4% |
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| Price Change (52-week) |
100.4% | 96.7% | 92% |
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| Growth | PFSB | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | na | 7.6% | na |
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| Net Income (5yr) | na | 11.1% | na |
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| EPS (5yr) | na | 10.1% | na |
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| Dividends (5yr) | na | 3.6% | 0% |
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| Cash Flow (5yr) | na | (17.0%) | na |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | PFSB | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $7 | $190 | 7% |
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| Net Income (TTM) (Mil) | $2 | $51 | 41% |
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| EPS (TTM) | $1.136 | $2.500 | 63% |
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| Operating Cash Flow (TTM) (Mil) | $2 | $34 | 34% |
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| Net Cash Flow (TTM) (Mil) | $3 | $1 | 51% |
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| Long-Term Debt (Q1) (Mil) | $0 | $100 | 0% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | PFSB | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.74 | 1.27 | 15% |
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| P/E | 18.0 | 12.9 | 45% |
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| Dividend Yield | 0.0% | 2.2% | 0% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | PFSB | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 25.6% | 28.9% | 84% |
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| ROA | 0.8% | 1.0% | 44% |
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| ROE | 4.5% | 11.1% | 43% |
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| Liabilities to Assets | 81.5% | 89.8% | 76% |
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| F-Score | 5 | 4 | 51% |
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PFS Bancorp, Inc. did not pass any screens on 7/31/2026.
