Stocktoria
PFS Bancorp, Inc. PFSB
PFS Bancorp, Inc. (PFSB) earns a Piotroski F-score of 5/9 (mixed financial health). It does not currently pay a dividend.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1130 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| PFSB | PFS Bancorp, Inc. | 5/9 | — | 17.1 | — |
| BBT | Beacon Financial Corp | 5/9 | — | 29.2 | -92.5% |
| PBFS | Pioneer Bancorp, Inc./MD | 4/9 | — | 20.8 | +5.8% |
| RBKB | Rhinebeck Bancorp, Inc. | 4/9 | — | 19.3 | — |
| ECBK | ECB Bancorp, Inc. /MD/ | 5/9 | — | 22.1 | — |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
All Finance, Insurance & Real Estate companies →
About PFS Bancorp, Inc.
PFS Bancorp, Inc. operates as a bank holding company for Peru Federal 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.
FAQ
Is PFSB financially healthy?
PFS Bancorp, Inc.'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does PFSB pay a dividend?
No, PFS Bancorp, Inc. does not currently pay a dividend.
How profitable is PFSB?
In FY2025, PFS Bancorp, Inc. had a return on equity of 4.3%.
What is PFSB's P/E ratio?
PFS Bancorp, Inc.'s trailing price-to-earnings (P/E) ratio is about 17.1×, based on its latest annual earnings.
Is PFSB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on PFS Bancorp, Inc.: a Piotroski F-score of 5/9, a P/E of about 17.1×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.