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PFSB · OTC · United States · Savings Institutions, Not Federally Chartered
In shortPFS Bancorp, Inc. is profitable.
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | – | n/a |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 4.4% | 22/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | – | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.27× | n/a |
| Years with positive free cash flow (last 5) | 4 of 4 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 4 of 4 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | – | n/a |
| Revenue growth volatility | – | n/a |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
No data reported.
The last 4 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Pre-tax income | 1 | 1.2 | 1.1 | 2.1 |
| Income tax | 0.2 | 0.2 | 0.2 | 0.4 |
| Net income | 0.8 | 1 | 0.9 | 1.7 |
| Diluted EPS | – | $0.63 | $0.57 | $1.09 |
| Diluted shares (millions) | – | 1.6 | 1.6 | 1.5 |
Not computed: the model does not apply to banks and insurers.
Not computed: it needs two consecutive complete years.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 5, 2026