Financial Services
PFS Bancorp, Inc.(PFSB)
Live Price
Offline$18.21
+0.33% today
1Y Change
+67.88%
Window
Jun 23, 2025 โ Jun 17, 2026
- Market Cap
- $30.00M
- Revenue Growth
- -100.0%
- EPS Growth
- +93.0%
- Dividend Yield
- 0.0%
Coverage: 249 bars ยท Jun 23, 2025 โ Jun 17, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
PFS Bancorp, Inc. (PFSB) is a Financial Services stock with a market cap of $30.00M and listed on OTC. The stock last traded around $18.21 and up 67.9% across the available one-year price window (Jun 23, 2025 โ Jun 17, 2026). Baseline metrics include revenue growth of -100.0%, EPS growth of +93.0%, a dividend yield of 0.0%. What stands out right now is revenue -100.0%, EPS +93.0%, free cash flow -111.5% with operating margin 0.0% and ROIC 0.0%. Valuation sits in the middle of the pack at P/E 18.8. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines PFSB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-100.0% vs +3.4% peer median
Operating Margin
Below sector median
0.0% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on May 6, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -100.0% and EPS is at +93.0%, with operating margin around 0.0%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +0.0% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 6, 2026 | โ | -1.0% | -0.2% | -1.8% |
2026 Mar 25, 2026 | โ | -0.3% | -0.9% | +3.0% |
2025 Nov 6, 2025 | โ | -0.1% | +1.2% | +11.5% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PFSB
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
PFSB Max Drawdown
-4.71%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for PFSB and SPY.
Company Overview
PFS Bancorp, Inc.
Other OTC
PFS Bancorp, Inc. operates as a bank holding company for Peru Federal Savings Bank, a federally chartered mutual 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.
- Leadership
- Dale R. Tieman
- IPO Date
- Oct 19, 2023
- Employees
- 24
- Street Address
- 1730 Fourth Street
- Mailing
- Peru, IL, 61354
- Region
- Peru, IL, US
- Reporting Currency
- USD
- Investor Line
- 815 223 4300
- Last Updated
- May 3, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 18.8
- EV/EBITDA
- โ
- Price/Sales
- โ
- Price/Book
- 0.8
Growth
- Revenue
- -100.0%
- EPS
- +93.0%
- Free Cash Flow
- -111.5%
Profitability
- Gross Margin
- 0.0%
- Operating Margin
- 0.0%
- Net Margin
- 0.0%
- ROE
- 4.4%
- ROIC
- 0.0%
Balance Sheet
- Debt/Equity
- โ
- Current Ratio
- 243.93
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.