Latest revenue
$294.0K
as of 2026-03-31
Latest net income
$318.0K
as of 2026-03-31
Net margin
108.2%
as of 2026-03-31
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $28.3M
- Enterprise value
- $28.3M
- P/E (trailing)
- 16.9×
- Forward P/E
- —
- P/B
- —
- Dividend yield
- 0.0%
- 52-wk high
- $18.99
- 52-wk low
- $10.52
- Beta
- —
- Shares out
- 1.5M
5-year trend
What this company does
ITEM 1.Business Forward Looking Statements This annual report contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “assume,” “plan,” “seek,” “expect,” “will,” “may,” “should,” “indicate,” “would,” “believe,” “contemplate,” “continue,” “target” and words of similar meaning. These forward-looking statements include, but are not limited to: ●statements of our goals, intentions and expectations; ●statements regarding our business plans, prospects, growth and operating strategies; ●statements regarding the asset quality of our loan and investment portfolios; and ●estimates of our risks and future costs…
AI summary unavailable — showing raw filing excerpt
Generated from PFSB's filing dated 2026-03-25
Key risks
ITEM 1A.Risk Factors Not applicable, as PFS Bancorp is a “smaller reporting company.”
AI summary unavailable — showing raw filing excerpt
Generated from PFSB's filing dated 2026-03-25
Profitability
Net margin
16.9%
66.5%Return on equity
4.3%
69.8%Return on assets
0.8%
92.7%Leverage
Debt / equity
4.30×
656.3%Debt / assets
81.1%
123.9%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-03-31 | $294.0K | +2.8% | $318.0K | +11.6% | 108.2% |
Q4 2025 2025-12-31 | $9.1M | +11.0% | $532.0K | +370.8% | 5.8% |
Q3 2025 2025-09-30 | $272.0K | +47.0% | $416.0K | +71.9% | 152.9% |
Q2 2025 2025-06-30 | $210.0K | +8.2% | $438.0K | +59.9% | 208.6% |
Q1 2025 2025-03-31 | $286.0K | -12.0% | $285.0K | +3.3% | 99.7% |
Q4 2024 2024-12-31 | $8.2M | — | $113.0K | — | 1.4% |
Q3 2024 2024-09-30 | $185.0K | -6.1% | $242.0K | -19.3% | 130.8% |
Q2 2024 2024-06-30 | $194.0K | +16.9% | $274.0K | +31.1% | 141.2% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
Savings Institutions, Not Federally Chartered · SIC 6036
Your notes
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Insider activity
Insider buying
$0
Insider selling
$0
Net activity
+$0
Distinct insiders
0
Open-market trades over the last 365 days.
Recent transactions
| Date | Insider | Type | Shares | Price | Value |
|---|
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns PFSB
No institutional holdings on file for PFSB yet.
Source: SEC Form 13F-HR. Updated quarterly (45-day filing lag).
Top questions investors are asking
Coming once PFSB's latest filing finishes processing.