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	May '25 May 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	17	19	16	-	-
Market Cap Growth	11.68%	17.07%	-	-	-
Last Close Price	11.18	11.10	9.45	-	-
PE Ratio	19.47	21.09	16.17	-	-
PS Ratio	2.97	3.32	3.10	-	-
PB Ratio	0.46	0.52	0.45	-	-
P/FCF Ratio	13.32	16.64	8.61	-	-
P/OCF Ratio	11.80	13.97	8.42	-	-
Debt / Equity Ratio	-	-	-	-	0.21
Debt / FCF Ratio	-	-	-	-	2.32
Return on Equity (ROE)	2.51%	2.49%	3.60%	3.81%	-
Return on Assets (ROA)	0.45%	0.46%	0.55%	0.46%	-
Earnings Yield	5.34%	4.74%	6.18%	-	-
FCF Yield	7.50%	6.01%	11.61%	-	-
Buyback Yield / Dilution	-2.45%	-0.13%	-	-	-

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