PFS Bancorp, Inc. PFSB
20.57 USD -0.20 (-0.96%)
Nov 4, 2026, 11:15 AM EST
20.57 Day range 20.62
12.99 52-week range 23.00
- YTD
- +31.86%
- 1 year
- +58.23%
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 5y median 16.8× FY 2025
P/S 0.0×
FY 2022 5y median 2.0× FY 2025
P/B 0.7×
FY 2022 5y median 0.6× FY 2025
P/FCF -204×
FY 2022 5y median 7.7× FY 2025
EV/EBITDA 0.0×
FY 2022 5y median 0.6× FY 2025
EV/Sales 0.0×
FY 2022 5y median 0.1× FY 2025
FCF Yield -0.5%
FY 2022 5y median 9.5% FY 2025
Profitability
Gross Margin 0.0%
FY 2022 5y median 68.7% FY 2025
Operating Margin 0.0%
FY 2022 5y median 14.9% FY 2025
Net Margin 0.0%
FY 2022 5y median 12.1% FY 2025
ROE 4.3%
FY 2022 5y median 3.5% FY 2025
ROIC 0.0%
FY 2022 5y median 2.5% FY 2025
ROA 0.8%
FY 2022 5y median 0.5% FY 2025
Growth (YoY)
Revenue -100.0%
FY 2022 FY 2025
Operating Income -100.0%
FY 2022 FY 2025
EPS (diluted) 91.2%
FY 2022 FY 2025
Free Cash Flow -111.5%
FY 2022 FY 2025
Financial Health
Current Ratio 244×
FY 2022 5y median 0.5× FY 2025
Quick Ratio 244×
FY 2022 5y median 0.5× FY 2025
Debt / Equity 0.0×
FY 2022 5y median 0.0× FY 2025
Net Debt / EBITDA 0.0×
FY 2022 5y median -12.1× FY 2025
Interest Coverage 0.0×
FY 2022 5y median 0.5× FY 2025
Dividends
Dividend Yield 0.0%
FY 2022 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2022 5y median 0.0% FY 2025
Annual · latest fiscal year ends 2025-12-31