Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Revenue | 0 | 9M | 7M | 5M |
| Gross Profit | 0 | 6M | 5M | 5M |
| Operating Income | 0 | 1M | 1M | 986K |
| EBITDA | 0 | 1M | 1M | 1M |
| Net Income | 2M | 905K | 1M | 831K |
| EPS (Diluted) | — | — | — | — |
Financial Services
Live Price
Offline$18.40
+0.00% today
1Y Change
+67.88%
Window
Jun 23, 2025 → Jun 17, 2026
Coverage: 249 bars · Jun 23, 2025 → 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 $18.40 and up 67.9% across the available one-year price window (Jun 23, 2025 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
PFSB
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
PFSB Max Drawdown
-4.71%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for PFSB and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$5.3M
-26.4% YoY
FY Net Income
$831.0K
-17.6% YoY
Free Cash Flow
$2.1M
+9.5% YoY
Revenue Growth
-100.0%
EPS Growth
+93.0%
Gross Margin
0.0%
Net Margin
0.0%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Revenue | 0 | 9M | 7M | 5M |
| Gross Profit | 0 | 6M | 5M | 5M |
| Operating Income | 0 | 1M | 1M | 986K |
| EBITDA | 0 | 1M | 1M | 1M |
| Net Income | 2M | 905K | 1M | 831K |
| EPS (Diluted) | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & Equivalents | 15M | 16M | 20M | 13M |
| Total Assets | 207M | 198M | 193M | 174M |
| Total Liabilities | 168M | 161M | 158M | 154M |
| Shareholder Equity | 39M | 37M | 36M | 20M |
| Total Debt | 0 | 0 | 0 | 0 |
| Net Debt | -15M | -16M | -20M | -13M |
Cash flow positioning
Latest Full Year
Operating Cash Flow
2M
+14.0% YoY
Capital Expenditures
136K
-209.1% YoY
Free Cash Flow
2M
+9.5% YoY
Key ratios
Gross Margin
0.0%
Operating Margin
0.0%
Net Margin
0.0%
ROE
4.4%
Debt / Equity
0.00x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.