SequelSEC

PFS Bancorp, Inc. PFSB

Savings Institutions, Not Federally Chartered · CIK 0001967656 · Fiscal year ends 1231 · Bank

AnnualQuarterlyTTM
Revenue
Unavailable
Fiscal year ended 2025-12-31
Net income
$1.67M
Fiscal year ended 2025-12-31
Total assets
$206.91M
Fiscal year ended 2025-12-31

PFS Bancorp, Inc. (PFSB) reported net income of $1.67M for the fiscal year ended 2025-12-31. This page shows 4 annual periods of income statement, balance sheet and cash flow figures normalized from PFS Bancorp, Inc.’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Savings Institutions, Not Federally Chartered.

Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.

Income

PFS Bancorp, Inc. income by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-12-312024-12-312023-12-312022-12-31
RevenueUnavailableUnavailableUnavailableUnavailable
Cost of revenueUnavailableUnavailableUnavailableUnavailable
Gross profitUnavailableUnavailableUnavailableUnavailable
Operating incomeUnavailableUnavailableUnavailableUnavailable
Net income$1.67M$905.00K$1.01M$831.00K
Research & developmentUnavailableUnavailableUnavailableUnavailable
Weighted-average diluted sharesshares 1.53Mshares 1.59Mshares 1.59MUnavailable
Pretax income$2.08M$1.11M$1.25M$986.00K
Income tax expense$405.00K$202.00K$240.00K$155.00K
Diluted EPS$1.09$0.57$0.63Unavailable
Selling, general & administrativeUnavailableUnavailableUnavailableUnavailable
General & administrativeUnavailableUnavailableUnavailableUnavailable
Selling & marketingUnavailableUnavailableUnavailableUnavailable

Balance

PFS Bancorp, Inc. balance by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-12-312024-12-312023-12-312022-12-31
Cash & equivalentsUnavailableUnavailableUnavailableUnavailable
Total assets$206.91M$197.64M$193.45M$174.13M
Current assetsUnavailableUnavailableUnavailableUnavailable
Total liabilities$167.86M$160.96M$157.53M$154.00M
Current liabilitiesUnavailableUnavailableUnavailableUnavailable
Total equity incl. NCI$39.05M$36.68M$35.92M$20.14M
Temporary (mezzanine) equityUnavailableUnavailableUnavailableUnavailable
InventoryUnavailableUnavailableUnavailableUnavailable
Accounts receivableUnavailableUnavailableUnavailableUnavailable
GoodwillUnavailableUnavailableUnavailableUnavailable
Long-term debtUnavailableUnavailableUnavailableUnavailable
Accounts payableUnavailableUnavailableUnavailableUnavailable

Cash flow

PFS Bancorp, Inc. cash flow by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-12-312024-12-312023-12-312022-12-31
Operating cash flow$2.14M$1.37M$1.94M$2.21M
Capital expenditures$21.00K$219.00K$44.00K$136.00K
Investing cash flow-$8.46M-$8.68M-$11.69M-$2.90M
Financing cash flow$5.57M$3.36M$17.30M-$8.20M
Net change in cashUnavailableUnavailableUnavailableUnavailable
Stock-based compensation$93.00KUnavailableUnavailableUnavailable
Common dividends paidUnavailableUnavailableUnavailableUnavailable
Common share repurchases$1.32M$63.00K$400.00KUnavailable
Depreciation & amortizationUnavailableUnavailableUnavailableUnavailable

Derived

PFS Bancorp, Inc. derived by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-12-312024-12-312023-12-312022-12-31
Free cash flow$2.12M$1.15M$1.89M$2.07M
Gross marginUnavailableUnavailableUnavailableUnavailable
Operating marginUnavailableUnavailableUnavailableUnavailable
FCF marginUnavailableUnavailableUnavailableUnavailable
SBC / revenueUnavailableUnavailableUnavailableUnavailable
Current ratioUnavailableUnavailableUnavailableUnavailable
Revenue YoY growthUnavailableUnavailableUnavailableUnavailable
Net marginUnavailableUnavailableUnavailableUnavailable
R&D / revenueUnavailableUnavailableUnavailableUnavailable
CapEx / revenueUnavailableUnavailableUnavailableUnavailable
Long-term debt / equityUnavailableUnavailableUnavailableUnavailable
Effective tax rate19.5%18.2%19.2%15.7%

Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open PFSB in the interactive workspace to inspect any figure back to its filing.

Source filings

10-Q · Filed 2026-08-05View SEC filing
10-Q · Filed 2026-05-06View SEC filing
10-K · Filed 2026-03-25View SEC filing
10-Q · Filed 2025-11-06View SEC filing
10-Q · Filed 2025-08-08View SEC filing
10-Q · Filed 2025-05-07View SEC filing

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Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.