PFS Bancorp, Inc. (PFSB)
PFS Bancorp, Inc. functions as the holding company for Peru Federal Savings Bank, a federally chartered mutual savings institution. This entity delivers a broad array of banking and financial solutions to individual consumers and corporate clients across the United States. Its deposit products include various account types such as checking, savings, individual retirement accounts (IRAs), and certificates of deposit (CDs). Additionally, it offers non-interest-bearing demand accounts, NOW savings accounts, money market accounts, and time deposits. Regarding lending, the bank provides diverse credit facilities, encompassing one-to-four family residential mortgages, multi-family and commercial real estate loans, agricultural real estate financing, and construction and land development loans. It further extends commercial and consumer loans, along with home equity loans and lines of credit. Beyond these core services, the company facilitates electronic banking through mobile and online platforms, bill payment features, and electronic funds transfers via Zelle. The institution also allocates capital to securities investments. PFS Bancorp, Inc. was established in 1887 and its main operations are based in Peru, Illinois.
Sector: Savings Institutions, Not Federally Chartered
Industry: Banks - Regional
PFS Bancorp, Inc.
No splits on record
Nothing in PFSB's public trading history: no forward or reverse split has affected the share count.
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Currency | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
| Revenue | $0 | $8.9M | $7.22M | $5.31M |
| YoY Growth | - | 23.3% | 35.9% | - |
| Cost of Revenue | $0 | $3.15M | $1.97M | $701K |
| Gross Profit | $0 | $5.75M | $5.25M | $4.61M |
| Gross Margin | - | 64.6% | 72.7% | 86.8% |
| Research and Development | $0 | $0 | $0 | $0 |
| Selling, General, and Administrative | $0 | $2.65M | $2.58M | $2.27M |
| Other | $0 | $2M | $1.42M | $1.35M |
| Total Operating Expenses | $0 | $4.64M | $4M | $3.63M |
| Operating Income (EBIT) | $0 | $1.11M | $1.25M | $986K |
| Operating Margin | - | 12.4% | 17.3% | 18.6% |
| Interest Expense | $0 | $2.98M | $1.87M | $640K |
| Interest Income | $0 | $7.99M | $6.54M | $4.79M |
| Other Income (Expense) | $0 | $0 | $0 | $0 |
| Income Before Tax (EBT) | $1.67M | $1.11M | $1.25M | $986K |
| Income Tax Expense | $0 | $202K | $240K | $155K |
| Net Income | $1.67M | $905K | $1.01M | $831K |
| Net Income Margin | - | 10.2% | 14.0% | 15.6% |
| Supplementary Data | ||||
| EPS | 1.10 | 0.57 | 0.63 | 0.48 |
| Diluted EPS | 1.09 | 0.57 | 0.63 | 0.48 |
| Weighted Average OS | 1.73M | 1.59M | 1.59M | 1.73M |
| EBITDA | $0 | $1.26M | $1.4M | $1.13M |
| EBITDA Margin | - | 14.1% | 19.4% | 21.3% |
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Currency | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
| Assets | ||||
| Current Assets | ||||
| Cash and Cash Equivalents | $15.49M | $16.26M | $20.2M | $12.65M |
| Short-Term Investments | $66.93M | $42.57M | $63.51M | $63.33M |
| Cash and Short-Term Investments | $82.42M | $58.83M | $83.72M | $75.98M |
| Accounts Receivable | $757K | $733K | $689K | $690K |
| Inventory | $0 | $0 | $0 | $0 |
| Other Current Assets | $0 | $0 | $0 | $0 |
| Total Current Assets | $83.18M | $59.56M | $84.4M | $76.67M |
| Long-Term Assets | ||||
| Property, Plant & Equipment Net | $1.99M | $2.1M | $2.04M | $2.15M |
| Goodwill | $0 | $0 | $0 | $0 |
| Intangible Assets | $0 | $254K | $300K | $315K |
| Long-Term Investments | $0 | $128.85M | $99.78M | $88.15M |
| Deferred Tax Assets | $0 | $1.86M | $1.83M | $1.96M |
| Other Long-Term Assets | $0 | $5.01M | $5.1M | $4.89M |
| Total Long-Term Assets | $1.99M | $138.07M | $109.05M | $97.46M |
| Other Assets | $121.74M | $0 | $0 | $0 |
| Total Assets | $206.91M | $197.64M | $193.45M | $174.13M |
| Liabilities | ||||
| Current Liabilities | ||||
| Accounts Payable | $0 | $0 | $0 | $0 |
| Short-Term Debt | $0 | $0 | $0 | $0 |
| Current Income Tax Payable | $341K | $173K | $257K | $0 |
| Current Unearned Revenue | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $341K | $159.59M | $156.16M | $152.71M |
| Total Current Liabilities | $341K | $159.59M | $156.16M | $152.71M |
| Long-Term Liabilities | ||||
| Long-Term Debt | $0 | $0 | $0 | $0 |
| Long-Term Unearned Revenue | $0 | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $0 | $0 | $0 |
| Other Long-Term Liabilities | $167.52M | $1.38M | $1.37M | $1.29M |
| Total Long-Term Liabilities | $167.52M | $1.38M | $1.37M | $1.29M |
| Other Liabilities | $0 | $0 | $0 | $0 |
| Total Liabilities | $167.86M | $160.96M | $157.53M | $154M |
| Stockholders' Equity | ||||
| Preferred Stock | $0 | $0 | $0 | $0 |
| Common Stock | -$1.2M | $17K | $17K | $0 |
| Retained Earnings | $27.37M | $25.7M | $24.8M | $23.83M |
| Comprehensive Income & Other | -$1.44M | -$2.91M | -$2.77M | -$3.69M |
| Other Stockholders' Equity | $12.88M | $10.96M | $11.11M | -$3.69M |
| Total Equity | $39.05M | $36.67M | $35.92M | $20.14M |
| Minority Interest | $0 | $0 | $0 | $0 |
| Total Liabilities and Equity | $206.91M | $197.64M | $193.45M | $174.13M |
| Supplementary Data | ||||
| Total Debt | $0 | $0 | $0 | $0 |
| Net Debt | -$15.49M | -$16.26M | -$20.2M | -$12.65M |
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Currency | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
| Operating Activities | ||||
| Net Income | $1.67M | $905K | $1.01M | $831K |
| Depreciation & Amortization | $0 | $151K | $150K | $145K |
| Deferred Income Tax | $0 | $30K | -$81K | -$2K |
| Stock-Based Compensation | $0 | $53K | $49K | $0 |
| Changes in Working Capital: | ||||
| Accounts Receivable | $0 | -$44K | -$97K | -$26K |
| Inventory | $0 | $0 | $0 | $0 |
| Accounts Payable | $0 | $7K | $485K | $84K |
| Other Working Capital | $0 | $241K | -$19K | $185K |
| Total Working Capital Change | $0 | $204K | $369K | $243K |
| Other Non-Cash Items | -$1.8M | $23K | $442K | $992K |
| Net Cash from Operating | -$132K | $1.37M | $1.94M | $2.21M |
| Investing Activities | ||||
| Capital Expenditures | $0 | -$219K | -$44K | -$136K |
| Acquisitions | $0 | $0 | $0 | $0 |
| Purchases of Investments | $0 | -$11.78M | -$13.89M | -$18.96M |
| Sales of Investments | $0 | $9.05M | $8.18M | $20.33M |
| Other Investing Activities | $19K | -$5.72M | -$5.93M | -$4.13M |
| Net Cash from Investing | $19K | -$8.68M | -$11.69M | -$2.9M |
| Financing Activities | ||||
| Debt Repaid | - | - | - | $5M |
| Common Stock Issuance | $0 | $0 | $17.25M | $0 |
| Common Stock Repurchases | $0 | -$63K | -$400K | $0 |
| Dividends Paid | $0 | $0 | $0 | $0 |
| Other Financing Activities | -$1.32M | $3.43M | $452K | -$3.21M |
| Net Cash from Financing | -$1.32M | $3.36M | $17.3M | -$8.21M |
| Forex Effect | $0 | $0 | $0 | $0 |
| Net Change in Cash | -$1.44M | -$3.95M | $7.55M | -$8.89M |
| Supplementary Data | ||||
| Operating Cash Flow | -$132K | $1.37M | $1.94M | $2.21M |
| Capital Expenditure | $0 | -$219K | -$44K | -$136K |
| Free Cash Flow | -$132K | $1.15M | $1.89M | $2.07M |
| Cash at Beginning | $7.04M | $20.2M | $12.65M | $21.54M |
| Cash at End | $5.61M | $16.26M | $20.2M | $12.65M |