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PFS Bancorp, Inc. PFSB

OTC · stock · Savings Institutions, Not Federally Chartered · IPO 2023-10-18

PFS Bancorp, Inc. statistics & valuation

Market cap$28.5M
P / E17.1×
P / B0.7×
P / FCF13.5×
Return on equity4.3%
Graham number +21.6%$24.76

Market cap as of 2026-07-01. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($24.76); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
2022202320242025
Operating margin (%)
2022202320242025
Return on equity (%)
4.10% 2.80% 2.50% 4.30% 2022202320242025
Shares outstanding
1.7M 1.7M 1.6M 2022202320242025
Net debt ($)
2022202320242025
Share buybacks ($)
2022202320242025
Return on assets (%)
0.50% 0.50% 0.50% 0.80% 2022202320242025
Free cash flow margin (%)
2022202320242025
Debt / equity (×)
2022202320242025
EPS ($)
$0.63 $0.57 $1.09 2022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022
Return on assets0.8%0.5%0.5%0.5%
Return on equity4.3%2.5%2.8%4.1%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.