PFS Bancorp, Inc. (PFSB)
OTCMKTS · Delayed Price · Currency is USD
20.70
+0.11 (0.53%)
Aug 21, 2026, 9:34 AM EST
PFS Bancorp Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Income on Loans | 6.21 | 5.79 | 4.74 | 3.79 | 3.31 | 3.4 |
Interest Income on Investments | 3.01 | 3.15 | 3.28 | 2.77 | 1.5 | 1.19 |
Total Interest Income | 9.21 | 8.94 | 8.01 | 6.56 | 4.8 | 4.58 |
Interest Paid on Deposits | 3.25 | 3.3 | 2.98 | 1.87 | 0.64 | 0.61 |
Net Interest Income | 5.96 | 5.64 | 5.03 | 4.69 | 4.16 | 3.97 |
Net Interest Income Growth | 12.46% | 12.14% | 7.36% | 12.59% | 4.78% | - |
Gain (Loss) on Sale of Investments | - | - | - | - | -0.22 | - |
Other Non-Interest Income | 0.91 | 0.92 | 0.88 | 0.67 | 0.59 | 0.52 |
Total Non-Interest Income | 0.92 | 0.93 | 0.89 | 0.67 | 0.51 | 0.66 |
Non-Interest Income Growth | 5.65% | 4.86% | 32.09% | 31.63% | -22.88% | - |
Revenues Before Loan Losses | 6.88 | 6.57 | 5.92 | 5.36 | 4.67 | 4.63 |
Provision for Loan Losses | 0.08 | 0.15 | 0.17 | 0.1 | 0.06 | -0.01 |
| 6.81 | 6.42 | 5.75 | 5.26 | 4.61 | 4.64 | |
Revenue Growth | 14.85% | 11.67% | 9.40% | 14.03% | -0.60% | - |
Salaries and Employee Benefits | 2.46 | 2.33 | 2.28 | 2.25 | 2 | 1.96 |
Occupancy Expenses | 0.12 | 0.13 | 0.15 | 0.15 | 0.15 | 0.38 |
Federal Deposit Insurance | 0.17 | 0.16 | 0.17 | 0.14 | 0.14 | 0.16 |
Selling, General & Administrative | 1.68 | 1.55 | 1.47 | 1.3 | 1.17 | 0.72 |
Other Non-Interest Expense | 0.32 | 0.18 | 0.58 | 0.16 | 0.16 | 0.13 |
Total Non-Interest Expense | 4.76 | 4.35 | 4.65 | 4.01 | 3.63 | 3.36 |
EBT Excluding Unusual Items | 2.05 | 2.08 | 1.11 | 1.25 | 0.99 | 1.28 |
Pretax Income | 2.05 | 2.08 | 1.11 | 1.25 | 0.99 | 1.28 |
Income Tax Expense | 0.35 | 0.41 | 0.2 | 0.24 | 0.16 | 0.28 |
Net Income | 1.7 | 1.67 | 0.91 | 1.01 | 0.83 | 1 |
Net Income to Common | 1.7 | 1.67 | 0.91 | 1.01 | 0.83 | 1 |
Net Income Growth | 57.98% | 84.64% | -10.22% | 21.30% | -17.07% | - |
Basic Shares Outstanding | 1 | 2 | 2 | 2 | - | - |
Diluted Shares Outstanding | 2 | 2 | 2 | 2 | - | - |
Shares Change | -3.64% | -3.87% | 0.13% | - | - | - |
EPS (Basic) | 1.14 | 1.10 | 0.57 | 0.63 | - | - |
EPS (Diluted) | 1.12 | 1.09 | 0.57 | 0.63 | - | - |
EPS Growth | 65.45% | 92.05% | -9.91% | - | - | - |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Effective Tax Rate | 16.89% | 19.51% | 18.25% | 19.23% | 15.72% | 21.54% |