PFS Bancorp, Inc. (PFSB)
Operating cash flow minus capital spending left $2.1M of free cash flow in fiscal 2025. At June 30, 2026 it held $19.5M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 5, 2026.
Key facts about PFS Bancorp, Inc.
- Net worth
- PFS Bancorp, Inc. has a market value (market cap) of $31.5M at the latest share price, and shareholders' equity of $39.4M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $2.1M of cash; after $21K of capital spending, free cash flow was $2.1M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on August 5, 2026 and covers the period to June 30, 2026. Open on SEC EDGAR
- Next earnings report
- PFS Bancorp, Inc.'s next report was expected around November 5, 2026 and is not on file with the SEC yet.
What PFS Bancorp, Inc. does
PFS Bancorp, Inc. is registered with the SEC under industry code SIC 6036 (Savings Institutions, Not Federally Chartered). Its shares trade on OTC under the ticker PFSB.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $1.7M | $1.09 | $2.1M |
| 2024 | n/a | $905K | $0.57 | $1.1M |
| 2023 | n/a | $1M | $0.63 | $1.9M |
| 2023 | n/a | $831K | n/a | $2.1M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Latest SEC filings
What PFS Bancorp, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- August 28, 2026Passive stake (5% or more) SCHEDULE 13G
- August 5, 2026
- May 21, 2026
- May 6, 2026
- April 16, 2026Proxy statement DEF 14A
- April 7, 2026Passive stake (5% or more) SCHEDULE 13G
- March 25, 2026
- February 9, 2026Passive stake changed SCHEDULE 13G/A
- December 3, 2025Other event 8-K
- November 6, 2025
Insider trades
What the people running PFS Bancorp, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider trades were reported in the last 90 days.
Who owns PFSB
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| WhiteRock Wealth Design LLC13G, passive | 9% | August 28, 2026 |
| Peru Federal Savings Bank Employee Stock Ownership Plan Trust13G, passive | 8.6% | February 9, 2026 |
| Raymond James Financial Services Advisors, Inc.13G, passive | 8.1% | April 7, 2026 |
Largest institutional holders
Insiders
Questions about PFSB
What does PFS Bancorp, Inc. do?
PFS Bancorp, Inc. is a company in the Finance sector, listed on OTC as PFSB. Its shares trade on OTC under the ticker PFSB.
What is PFS Bancorp, Inc.'s net worth?
PFS Bancorp, Inc. has a market value (market cap) of $31.5M at the latest share price, and shareholders' equity of $39.4M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is PFS Bancorp, Inc. profitable?
Yes. Over the twelve months to June 30, 2026 it reported net income of $1.7M.
When did PFS Bancorp, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on August 5, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the passive stake (5% or more) from August 28, 2026.
When is PFS Bancorp, Inc.'s next earnings report?
PFS Bancorp, Inc.'s next report was expected around November 5, 2026 and is not on file with the SEC yet.
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Where the numbers come from
Financial figures are the values PFS Bancorp, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.