PFS Bancorp, Inc. (PFSB)

PFS Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	6.02	5.79	4.74	3.79	3.31	3.4
Interest Income on Investments	3.09	3.15	3.28	2.77	1.5	1.19
Total Interest Income	9.11	8.94	8.01	6.56	4.8	4.58
Interest Paid on Deposits	3.29	3.3	2.98	1.87	0.64	0.61
Net Interest Income	5.82	5.64	5.03	4.69	4.16	3.97
Net Interest Income Growth	14.06%	12.14%	7.36%	12.59%	4.78%	-
Gain (Loss) on Sale of Investments	-	-	-	-	-0.22	-
Other Non-Interest Income	0.94	0.92	0.88	0.67	0.59	0.52
Total Non-Interest Income	0.94	0.93	0.89	0.67	0.51	0.66
Non-Interest Income Growth	10.46%	4.86%	32.09%	31.63%	-22.88%	-
Revenues Before Loan Losses	6.76	6.57	5.92	5.36	4.67	4.63
Provision for Loan Losses	0.11	0.15	0.17	0.1	0.06	-0.01
Revenue	6.66	6.42	5.75	5.26	4.61	4.64
Revenue Growth	15.53%	11.67%	9.40%	14.03%	-0.60%	-
Salaries and Employee Benefits	2.4	2.33	2.28	2.25	2	1.96
Occupancy Expenses	0.13	0.13	0.15	0.15	0.15	0.38
Federal Deposit Insurance	0.15	0.16	0.17	0.14	0.14	0.16
Selling, General & Administrative	1.58	1.55	1.47	1.3	1.17	0.72
Other Non-Interest Expense	0.3	0.18	0.58	0.16	0.16	0.13
Total Non-Interest Expense	4.56	4.35	4.65	4.01	3.63	3.36
EBT Excluding Unusual Items	2.1	2.08	1.11	1.25	0.99	1.28
Pretax Income	2.1	2.08	1.11	1.25	0.99	1.28
Income Tax Expense	0.4	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	86.43%	84.64%	-10.22%	21.30%	-17.07%	-
Basic Shares Outstanding	2	2	2	2	-	-
Diluted Shares Outstanding	2	2	2	2	-	-
Shares Change	-4.29%	-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	95.54%	92.05%	-9.91%	-	-	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Effective Tax Rate	18.90%	19.51%	18.25%	19.23%	15.72%	21.54%

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jul 29, 2026

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