PFSB

PFS Bancorp, Inc.

USD

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Price alert · PFSB

All alert types
20.80 USD -0.06 -0.31%
As of Oct 30, 2026
20.80 Day range 21.00
12.99 52-week range 22.84
YTD
+33.33%
1 year
+60.00%
Open
21.00
Prev close
20.86
Mkt cap
32.16M
Vol
603
Avg vol
1.93K
EPS
1.12
P/E
18.57
More statistics
Low
20.80
High
21.00

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Financial health

Altman Z-Score

-0.18 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 2
  • Return on Equity 2
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 2
  • P/B 4

Valuation

P/E 14.2×
FY 2022: 18.5×FY 2023: 15.0×FY 2024: 19.5×FY 2025: 14.2×
FY 2022 5y median 16.8× FY 2025
P/S 0.0×
FY 2022: 2.9×FY 2023: 2.1×FY 2024: 2.0×FY 2025: 0.0×
FY 2022 5y median 2.0× FY 2025
P/B 0.7×
FY 2022: 0.8×FY 2023: 0.4×FY 2024: 0.5×FY 2025: 0.7×
FY 2022 5y median 0.6× FY 2025
P/FCF -204×
FY 2022: 7.4×FY 2023: 7.9×FY 2024: 15.4×FY 2025: -204×
FY 2022 5y median 7.7× FY 2025
EV/EBITDA 0.0×
FY 2022: 2.4×FY 2023: -3.7×FY 2024: 1.1×FY 2025: 0.0×
FY 2022 5y median 0.6× FY 2025
EV/Sales 0.0×
FY 2022: 0.5×FY 2023: -0.7×FY 2024: 0.2×FY 2025: 0.0×
FY 2022 5y median 0.1× FY 2025
FCF Yield -0.5%
FY 2022: 13.5%FY 2023: 12.6%FY 2024: 6.5%FY 2025: -0.5%
FY 2022 5y median 9.5% FY 2025

Profitability

Gross Margin 0.0%
FY 2022: 86.8%FY 2023: 72.7%FY 2024: 64.6%FY 2025: 0.0%
FY 2022 5y median 68.7% FY 2025
Operating Margin 0.0%
FY 2022: 18.6%FY 2023: 17.3%FY 2024: 12.4%FY 2025: 0.0%
FY 2022 5y median 14.9% FY 2025
Net Margin 0.0%
FY 2022: 15.6%FY 2023: 14.0%FY 2024: 10.2%FY 2025: 0.0%
FY 2022 5y median 12.1% FY 2025
ROE 4.3%
FY 2022: 4.1%FY 2023: 2.8%FY 2024: 2.5%FY 2025: 4.3%
FY 2022 5y median 3.5% FY 2025
ROIC 0.0%
FY 2022: 3.9%FY 2023: 2.7%FY 2024: 2.4%FY 2025: 0.0%
FY 2022 5y median 2.5% FY 2025
ROA 0.8%
FY 2022: 0.5%FY 2023: 0.5%FY 2024: 0.5%FY 2025: 0.8%
FY 2022 5y median 0.5% FY 2025

Growth (YoY)

Revenue -100.0%
FY 2022: 0.0%FY 2023: 35.9%FY 2024: 23.3%FY 2025: -100.0%
FY 2022 FY 2025
Operating Income -100.0%
FY 2022: 0.0%FY 2023: 26.6%FY 2024: -11.3%FY 2025: -100.0%
FY 2022 FY 2025
EPS (diluted) 91.2%
FY 2022: 0.0%FY 2023: 31.3%FY 2024: -9.5%FY 2025: 91.2%
FY 2022 FY 2025
Free Cash Flow -111.5%
FY 2022: 0.0%FY 2023: -8.7%FY 2024: -39.4%FY 2025: -111.5%
FY 2022 FY 2025

Financial Health

Current Ratio 244×
FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 244×
FY 2022 5y median 0.5× FY 2025
Quick Ratio 244×
FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 244×
FY 2022 5y median 0.5× FY 2025
Debt / Equity 0.0×
FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2022 5y median 0.0× FY 2025
Net Debt / EBITDA 0.0×
FY 2022: -11.2×FY 2023: -14.5×FY 2024: -12.9×FY 2025: 0.0×
FY 2022 5y median -12.1× FY 2025
Interest Coverage 0.0×
FY 2022: 1.5×FY 2023: 0.7×FY 2024: 0.4×FY 2025: 0.0×
FY 2022 5y median 0.5× FY 2025

Dividends

Dividend Yield 0.0%
FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2022 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2022 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31