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 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jan '26 Jan 21, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	26	19	16	-	-
Market Cap Growth	73.93%	17.07%	-	-	-
Last Close Price	15.94	11.10	9.45	-	-
PE Ratio	19.84	21.09	16.17	-	-
PS Ratio	4.07	3.32	3.10	-	-
PB Ratio	0.67	0.52	0.45	-	-
P/FCF Ratio	18.10	16.64	8.61	-	-
P/OCF Ratio	17.07	13.97	8.42	-	-
Debt / Equity Ratio	-	-	-	-	0.21
Debt / FCF Ratio	-	-	-	-	2.32
Return on Equity (ROE)	3.29%	2.49%	3.60%	3.81%	-
Return on Assets (ROA)	0.62%	0.46%	0.55%	0.46%	-
Earnings Yield	4.90%	4.74%	6.18%	-	-
FCF Yield	5.53%	6.01%	11.61%	-	-
Buyback Yield / Dilution	-0.12%	-0.13%	-	-	-

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