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	Oct '25 Oct 21, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	19	19	16	-	-
Market Cap Growth	42.94%	17.07%	-	-	-
Last Close Price	12.75	11.10	9.45	-	-
PE Ratio	18.81	21.09	16.17	-	-
PS Ratio	3.28	3.32	3.10	-	-
PB Ratio	0.51	0.52	0.45	-	-
P/FCF Ratio	15.88	16.64	8.61	-	-
P/OCF Ratio	14.86	13.97	8.42	-	-
Debt / Equity Ratio	-	-	-	-	0.21
Debt / FCF Ratio	-	-	-	-	2.32
Return on Equity (ROE)	2.92%	2.49%	3.60%	3.81%	-
Return on Assets (ROA)	0.53%	0.46%	0.55%	0.46%	-
Earnings Yield	5.55%	4.74%	6.18%	-	-
FCF Yield	6.30%	6.01%	11.61%	-	-
Buyback Yield / Dilution	-1.65%	-0.13%	-	-	-

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