Income statement, balance sheet and cash flow statement for the last 4 fiscal years, taken from the XBRL data PFS Bancorp, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2023
FY2023
FY2024
FY2025
Pre-tax income
0.99
1.25
1.11
2.08
Income tax
0.16
0.24
0.2
0.41
Net income
0.83
1.01
0.91
1.67
EPS, basic
0.63
0.57
1.10
EPS, diluted
0.63
0.57
1.09
Shares, basic (weighted)
1.59
1.59
1.52
Shares, diluted (weighted)
1.59
1.59
1.53
Balance sheet
FY2023
FY2023
FY2024
FY2025
Cash and equivalents
12.7
20.2
16.3
15.5
Property, plant and equipment
2.15
2.04
2.1
1.99
Total assets
174
193
198
207
Total liabilities
154
158
161
168
Paid-in capital
15.6
15.6
15.7
Retained earnings
23.8
24.8
25.7
27.4
Treasury stock
-0.4
-0.46
-1.79
Other comprehensive income
-3.69
-3.17
-3.31
-1.44
Shareholders' equity
20.1
35.9
36.7
39.1
Total equity
20.1
35.9
36.7
39.1
Total liabilities and equity
174
193
198
207
Shares outstanding
1.68
1.68
1.56
Cash flow statement
FY2023
FY2023
FY2024
FY2025
Net income
0.83
1.01
0.91
1.67
Depreciation and amortization
0.15
0.15
0.15
0.13
Stock-based compensation
0.09
Deferred income tax
-0
-0.07
0.03
0.06
Cash from operations
2.21
1.94
1.37
2.14
Capital expenditures
-0.14
-0.04
-0.22
-0.02
Purchases of investments
-18
-6.8
-11.8
-7.09
Sales and maturities of investments
13.3
6.89
8.28
9.43
Cash from investing
-2.9
-11.7
-8.68
-8.46
Stock issued
17.3
Share buybacks
-0.4
-0.06
-1.33
Cash from financing
-8.21
17.3
3.36
5.57
Net change in cash
-8.89
7.55
-3.95
-0.76
Free cash flow
2.07
1.89
1.15
2.12
Interest paid
0.62
1.89
2.98
3.3
Income taxes paid
0.3
0.02
0.27
0.18
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $20.55 on November 10, 2026.
Profitability
Metric
Value
How it is calculated
Effective tax rate
16.9%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
4.3%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
0.8%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income growth, 1y
84.6%
Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y
26.2%
Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS growth, 1y
91.2%
EPS vs the same period a year earlier. Only from a positive base.
Operating cash flow growth, 1y
56.4%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y
-1.1%
Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow growth, 1y
84.4%
Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y
0.7%
Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y
6.5%
Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y
24.7%
Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets growth, 1y
4.7%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
5.9%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Share count change, 1y
-3.9%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Operating cash flow per share
$1.15
Cash from operations / diluted weighted shares.
Book value per share
$25.29
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Market cap + total debt - cash - short-term investments.
P/E
18.7x
Market cap / net income. Only when net income is positive.
P/B
0.81x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
0.81x
Market cap / tangible book value, when positive.
P/OCF
17.8x
Market cap / cash from operations, when positive.
Earnings yield
5.4%
Net income / market cap (the inverse of P/E).
Shareholder yield
2.9%
(Dividends paid + share buybacks) / market cap.
Was PFS Bancorp, Inc. profitable in fiscal 2025?
Yes. Net income was $1.7M, a net margin of -.
How much free cash flow did PFS Bancorp, Inc. generate in fiscal 2025?
Cash from operations of $2.1M minus capital expenditures of $21.0K left free cash flow of $2.1M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.