PFS Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 26, 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
Market Capitalization	26	25	19	16	-	-
Market Cap Growth	61.40%	30.98%	17.07%	-	-	-
Last Close Price	16.37	15.60	11.10	9.45	-	-
PE Ratio	15.02	14.96	21.09	16.17	-	-
PS Ratio	4.08	3.89	3.32	3.10	-	-
PB Ratio	0.67	0.64	0.52	0.45	-	-
P/FCF Ratio	12.40	11.82	16.64	8.61	-	-
P/OCF Ratio	12.28	11.70	13.97	8.42	-	-
Debt / Equity Ratio	-	-	-	-	-	0.21
Debt / FCF Ratio	-	-	-	-	-	2.32
Net Debt / Equity Ratio	-0.40	-0.40	-0.64	-0.79	-0.74	-0.79
Net Debt / FCF Ratio	-7.33	-7.33	-20.58	-14.94	-7.18	-8.59
Return on Equity (ROE)	4.41%	4.41%	2.49%	3.60%	3.81%	-
Return on Assets (ROA)	0.83%	0.83%	0.46%	0.55%	0.46%	-
Earnings Yield	6.37%	6.69%	4.74%	6.18%	-	-
FCF Yield	8.06%	8.46%	6.01%	11.61%	-	-
Buyback Yield / Dilution	3.87%	3.87%	-0.13%	-	-	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.