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	Apr '26 Apr 16, 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	24	23	19	16	-	-
Market Cap Growth	37.27%	21.07%	17.07%	-	-	-
Last Close Price	16.76	15.60	11.10	9.45	-	-
PE Ratio	15.38	13.83	21.09	16.17	-	-
PS Ratio	3.73	3.60	3.32	3.10	-	-
PB Ratio	0.61	0.59	0.52	0.45	-	-
P/FCF Ratio	11.32	10.93	16.64	8.61	-	-
P/OCF Ratio	11.20	10.82	13.97	8.42	-	-
Debt / Equity Ratio	-	-	-	-	-	0.21
Debt / FCF Ratio	-	-	-	-	-	2.32
Net Debt / Equity Ratio	-0.54	-0.54	-0.64	-0.79	-0.74	-0.79
Net Debt / FCF Ratio	-9.93	-9.93	-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	6.98%	7.23%	4.74%	6.18%	-	-
FCF Yield	8.84%	9.15%	6.01%	11.61%	-	-
Buyback Yield / Dilution	3.87%	3.87%	-0.13%	-	-	-

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