Cash flow PFS Bancorp, Inc.

Equities

PFSB

US69380A1025

Banks

End-of-day quote OTC Markets Other stock markets 16/01/2026			5-day change	1st Jan Change
15.80 ^USD	+0.64%		+1.94%	+1.28%

12-03	PFS Bancorp, Inc. announces an Equity Buyback for 155,693 shares, representing 10% of its issued share capital.	CI
12-02	PFS Bancorp, Inc. authorizes a Buyback Plan.	CI

04680e9697b78acf52329b8e096.mue5hnwkZRN_H2Ar1GugXylSxCZUygTNGqaOr9w39dU.3qD3_yYTVHtLSAlMkxiXHGofi3MNunD8ftDX4J1_hr_Vi9S1TFARewV-Ew

Published financial data: PFS BANCORP, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024
Interest Income On Loans	3.4M	3.31M	3.78M	4.74M
Interest Income On Investments	1.19M	1.5M	2.77M	3.28M
Interest Income, Total	4.58M	4.8M	6.56M	8.01M
Interest On Deposits	611K	640K	1.87M	2.98M
Interest Expense, Total	611K	640K	1.87M	2.98M
Net Interest Income	3.97M	4.16M	4.69M	5.03M
Gain (Loss) on Sale of Loans	144K	140K	-	7K
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-221K	-	-
Total Other Non Interest Income	516K	590K	670K	878K
Non Interest Income, Total	660K	509K	670K	885K
Revenues Before Provison For Loan Losses	4.63M	4.67M	5.36M	5.92M
Provision For Loan Losses	-6K	61K	99K	165K
Total Revenues	4.64M	4.61M	5.26M	5.75M
Salaries And Other Employee Benefits	1.96M	2M	2.3M	2.33M
Occupancy Expense	384K	389K	150K	151K
Federal Deposit Insurance	163K	140K	141K	171K
Selling General & Admin Expenses, Total	721K	840K	1.25M	1.42M
(Gain) Loss on Sale of Loans	-	-	7K	-
(Income) Loss on Real Estate Property	-	13K	4K	-
Total Other Non Interest Expense	132K	158K	162K	575K
Non Interest Expense, Total	3.36M	3.54M	4.01M	4.64M
EBT, Excl. Unusual Items	1.28M	1.07M	1.25M	1.11M
Other Unusual Items	-	-83K	-	-
EBT, Incl. Unusual Items	1.28M	986K	1.25M	1.11M
Income Tax Expense	275K	155K	240K	202K
Earnings From Continuing Operations	1M	831K	1.01M	905K
Net Income to Company	1M	831K	1.01M	905K
Net Income - (IS)	1M	831K	1.01M	905K
Net Income to Common Incl Extra Items	1M	831K	1.01M	905K
Net Income to Common Excl. Extra Items	1M	831K	1.01M	905K
Per Share Items
Net EPS - Basic	-	-	0.65	0.57
Basic EPS - Continuing Operations	-	-	0.65	0.57
Basic Weighted Average Shares Outstanding	-	-	1.55M	1.59M
Net EPS - Diluted	-	-	0.65	0.57
Diluted EPS - Continuing Operations	-	-	0.65	0.57
Diluted Weighted Average Shares Outstanding	-	-	1.55M	1.59M
Normalized Basic EPS	-	-	0.5	0.43
Normalized Diluted EPS	-	-	0.5	0.43
Supplemental Items
Effective Tax Rate - (Ratio)	21.53	15.72	19.23	18.25
Total Current Taxes	382K	157K	305K	172K
Total Deferred Taxes	-107K	-2K	-65K	30K
Normalized Net Income	798K	668K	780K	692K
Non-Cash Pension Expense	14K	17K	30K	69K
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	-	-	49K	53K
Total Stock-Based Compensation	-	-	49K	53K

Fiscal Period: December	2021	2022	2023	2024
Assets
Cash And Equivalents	21.54M	12.65M	20.2M	16.26M
Investment Securities, Total	33.26M	28.33M	38.06M	36.29M
Mortgage Backed Securities	41.61M	38.23M	34.52M	38.86M
Total investments	74.87M	66.56M	72.58M	75.15M
Gross Loans	81.41M	85.46M	91.39M	96.97M
Allowance For Loan Losses	-567K	-543K	-675K	-700K
Net Loans	80.84M	84.92M	90.72M	96.27M
Gross Property Plant And Equipment	4.64M	4.76M	4.78M	4.91M
Accumulated Depreciation	-2.48M	-2.61M	-2.75M	-2.81M
Net Property Plant And Equipment	2.16M	2.15M	2.04M	2.1M
Investment in FHLB	330K	347K	347K	347K
Accrued Interest Receivable	566K	592K	689K	733K
Other Receivables	-	98K	-	-
Deferred Tax Assets Long-Term (Collected)	307K	1.96M	1.83M	1.86M
Other Long-Term Assets, Total	4.94M	4.86M	5.06M	4.92M
Total Assets	186M	174M	193M	198M
Liabilities
Interest Bearing Deposits	114M	112M	115M	123M
Institutional Deposits	23.7M	23.1M	20.5M	18.2M
Non-Interest Bearing Deposits	18.61M	17.25M	20.81M	17.95M
Total Deposits	156M	153M	156M	160M
Short-Term Borrowings	5M	-	-	-
Current Income Taxes Payable	51K	-	257K	173K
Accrued Interest Payable	3K	19K	2K	7K
Other Non Current Liabilities	1.15M	1.27M	1.51M	1.2M
Total Liabilities	162M	154M	158M	161M
Common Stock, Total	-	-	17K	17K
Additional Paid In Capital	-	-	15.6M	15.6M
Retained Earnings	23M	23.83M	24.8M	25.7M
Treasury Stock	-	-	-400K	-463K
Comprehensive Income and Other	443K	-3.69M	-4.5M	-4.18M
Total Common Equity	23.44M	20.14M	35.52M	36.68M
Total Equity	23.44M	20.14M	35.52M	36.68M
Total Liabilities And Equity	186M	174M	193M	198M
Supplemental Items
ECS Total Shares Outstanding on Filing Date	-	-	1.55M	1.49M
ECS Total Common Shares Outstanding	-	-	1.55M	1.55M
Book Value / Share	-	-	22.88	23.63
Tangible Book Value	23.44M	20.14M	35.52M	36.68M
Tangible Book Value Per Share	-	-	22.88	23.63
Average Assets	182M	181M	184M	197M
Average Loans	81.55M	83.16M	85.26M	92.85M
Total Debt	5M	0	0	0
Debt Equivalent of Unfunded Proj. Benefit Obligation	635K	687K	921K	645K
Net Debt	-18.52M	-14.88M	-28.29M	-23.61M
Full Time Employees	-	23	23	24
Part Time Employees	-	3	2	1
Number Of Offices	2	2	2	2

Fiscal Period: December	2021	2022	2023	2024
Net Income	1M	831K	1.01M	905K
Depreciation, Depletion & Amortization	152K	145K	150K	151K
Total Depreciation, Depletion & Amortization	152K	145K	150K	151K
Gain (Loss) on Sale of Loans & Receivables - (CF)	-144K	-140K	7K	-7K
(Gain) Loss On Sale of Asset - (CF)	-	-	7K	4K
(Gain) Loss on Sale of Investments - (CF)	1.06M	1.16M	423K	-37K
Provision for Credit Losses	-6K	61K	99K	165K
Stock-Based Compensation (CF)	-	-	49K	53K
Changes in Accrued Interest Receivable	19K	-26K	-97K	-44K
Changes in Accrued Interest Payable	211K	84K	485K	7K
Change in Other Net Operating Assets (Collected)	89K	185K	-19K	241K
Other Operating Activities	-192K	-89K	-159K	-72K
Cash from Operations	2.19M	2.21M	1.95M	1.37M
Capital Expenditure	-34K	-136K	-44K	-219K
Investment in Marketable and Equity Securities, Total	-3.44M	1.37M	-5.71M	-2.73M
Net (Increase) Decrease in Loans Originated / Sold - Investing	1.35M	-4.11M	-5.95M	-5.72M
Other Investing Activities, Total	-76K	-17K	-	-
Cash from Investing	-2.2M	-2.9M	-11.7M	-8.68M
Long-Term Debt Issued, Total	5M	-	-	-
Total Debt Issued	5M	-	-	-
Long-Term Debt Repaid, Total	-4M	-5M	-	-
Total Debt Repaid	-4M	-5M	-	-
Issuance of Common Stock	-	-	17.25M	-
Repurchase of Common Stock	-	-	-1.78M	-63K
Net Increase (Decrease) in Deposit Accounts - (CF)	12.44M	-3.2M	3.45M	3.43M
Other Financing Activities, Total	-	-	-1.62M	-
Cash from Financing	13.44M	-8.2M	17.3M	3.36M
Net Change in Cash	13.43M	-8.89M	7.55M	-3.95M
Supplemental Items
Cash Interest Paid	613K	624K	1.88M	2.98M
Cash Income Tax Paid (Refund)	278K	300K	23K	268K
Net Debt Issued / Repaid	1M	-5M	-	-

Fiscal Period: December	2021	2022	2023	2024
Profitability
Return on Assets	-	0.46	0.55	0.46
Return On Equity %	-	3.81	3.62	2.49
Return on Common Equity	-	3.81	3.62	2.49
Shareholders Value Added	-	-1.78M	-2.33M	-3.45M
Margin Analysis
SG&A Margin	66.11	70.07	70.29	67.79
Net Interest Income / Total Revenues %	85.64	90.28	89.14	87.48
EBT Excl. Non-Recurring Items Margin %	27.53	23.18	23.74	19.25
Income From Continuing Operations Margin %	21.6	18.02	19.17	15.73
Net Income Margin %	21.6	18.02	19.17	15.73
Net Avail. For Common Margin %	21.6	18.02	19.17	15.73
Normalized Net Income Margin	17.2	14.49	14.83	12.03
Asset quality
Nonperforming Loans / Total Loans %	0.33	0.14	0.36	0.36
Nonperforming Loans / Total Assets %	0.14	0.07	0.17	0.18
Nonperforming Assets / Total Assets %	0.14	0.07	0.17	0.18
NPAs / Loans and OREO	0.33	0.14	0.36	0.36
NPAs / Equity	1.14	0.58	0.94	0.95
Allowance for Credit Losses / Net Charge-offs %	18.9K	638.82	-	482.76
Allowance for Credit Losses / Nonperforming Loans %	211.57	464.1	202.7	201.15
Allowance for Credit Losses / Total Loans %	0.7	0.64	0.74	0.72
Net Charge-offs / Total Average Loans %	0	0.1	-	0.16
Provision for Loan Losses / Net Charge-offs %	-200	71.76	-	113.79
Earning Assets / IBL	125.27	121.47	124.71	133.32
Interest Income / Average Assets	2.52	2.66	3.56	4.06
Interest Expense / Average Assets	0.34	0.35	1.02	1.51
Net Interest Income / Average Assets	2.18	2.3	2.55	2.55
Non Interest Income / Average Assets	0.36	0.28	0.36	0.45
Non Interest Expense / Average Asset	1.85	1.96	2.18	2.35
Capital And Funding
Total Average Common Equity / Total Average Assets %	-	12.12	15.14	18.56
Total Average Equity / Total Average Assets %	-	12.12	15.14	18.56
Total Equity + Allowance for Loan Losses / Total Loans %	29.49	24.2	39.6	38.54
Gross Loans / Total Deposits %	52.21	55.96	58.52	60.77
Net Loans / Total Deposits %	51.85	55.61	58.09	60.33
Tier 1 Capital Ratio %	28.1	28.1	33.4	33
Total Capital Ratio %	28.8	28.7	34.1	33.7
Core Tier 1 Capital Ratio	28.1	28.1	33.4	33
Coverage Ratio	71.23	87.16	93.49	82.94
Leverage Ratio %	12.6	13.8	15.7	15.9
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.09	2.54	1.67	1.37
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-	4.78	12.59	7.36
Non Interest Income, 1 Yr. Growth %	-	-22.88	31.63	32.09
Provision For Loan Losses, 1 Yr. Growth %	-	-1.12K	62.3	66.67
Total Revenues, 1 Yr. Growth %	-	-0.6	14.03	9.4
Earnings From Cont. Operations, 1 Yr. Growth %	-	-17.07	21.3	-10.22
Net Income, 1 Yr. Growth %	-	-17.07	21.3	-10.22
Normalized Net Income, 1 Yr. Growth %	-	-16.29	26.57	-11.3
Diluted EPS Before Extra, 1 Yr. Growth %	-	-	-	-9.91
Gross Loans, 1 Yr. Growth %	-	4.98	6.94	6.11
Allowance For Loan Losses, 1 Yr. Growth %	-	-4.23	24.31	3.7
Net Loans, 1 Yr. Growth %	-	5.04	6.83	6.13
Non Performing Loans, 1 Yr. Growth %	-	-56.34	184.62	4.5
Non Performing Assets, 1 Yr. Growth %	-	-56.34	184.62	4.5
Total Assets, 1 Yr. Growth %	-	-6.16	11.09	2.16
Total Deposits, 1 Yr Growth %	-	-2.06	2.26	2.19
Tangible Book Value, 1 Yr. Growth %	-	-14.08	76.37	2.1
Average Interest Earning Assets, 1 Yr. Growth %	-	-1.49	1.09	8.04
Average Interest Bearing Liabilities, 1 Yr. Growth %	-	1.59	-1.53	1.06
Common Equity, 1 Yr. Growth %	-	-14.08	76.37	2.1
Total Equity, 1 Yr. Growth %	-	-14.08	76.37	2.1
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-	-	8.61	9.94
Non Interest Income, 2 Yr. CAGR %	-	-	0.75	31.86
Provision For Loan Losses, 2 Yr. CAGR %	-	-	306.2	64.47
Total Revenues, 2 Yr. CAGR %	-	-	6.46	11.69
Earnings From Cont. Operations, 2 Yr. CAGR %	-	-	0.3	4.36
Net Income, 2 Yr. CAGR %	-	-	0.3	4.36
Normalized Net Income, 2 Yr. CAGR %	-	-	-1.14	5.96
Gross Loans, 2 Yr. CAGR %	-	-	5.95	6.52
Allowance For Loan Losses, 2 Yr. CAGR %	-	-	9.11	13.54
Net Loans, 2 Yr. CAGR %	-	-	5.93	6.48
Non Performing Loans, 2 Yr. CAGR %	-	-	11.47	72.46
Non Performing Assets, 2 Yr. CAGR %	-	-	11.47	72.46
Total Assets, 2 Yr. CAGR %	-	-	2.11	6.54
Total Deposits, 2 Yr CAGR %	-	-	0.08	2.23
Tangible Book Value, 2 Yr. CAGR %	-	-	23.1	34.95
Average Interest Earning Assets, 2 Yr. CAGR %	-	-	-0.21	4.51
Average Interest Bearing Liabilities, 2 Yr. CAGR %	-	-	0.02	-0.24
Common Equity, 2 Yr. CAGR %	-	-	23.1	34.95
Total Equity, 2 Yr. CAGR %	-	-	23.1	34.95
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-	-	-	8.2
Non Interest Income, 3 Yr. CAGR %	-	-	-	10.27
Provision For Loan Losses, 3 Yr. CAGR %	-	-	-	201.84
Total Revenues, 3 Yr. CAGR %	-	-	-	7.43
Earnings From Cont. Operations, 3 Yr. CAGR %	-	-	-	-3.34
Net Income, 3 Yr. CAGR %	-	-	-	-3.34
Normalized Net Income, 3 Yr. CAGR %	-	-	-	-4.65
Gross Loans, 3 Yr. CAGR %	-	-	-	6.01
Allowance For Loan Losses, 3 Yr. CAGR %	-	-	-	7.28
Net Loans, 3 Yr. CAGR %	-	-	-	6
Non Performing Loans, 3 Yr. CAGR %	-	-	-	9.1
Non Performing Assets, 3 Yr. CAGR %	-	-	-	9.1
Total Assets, 3 Yr. CAGR %	-	-	-	2.12
Total Deposits, 3 Yr CAGR %	-	-	-	0.78
Tangible Book Value, 3 Yr. CAGR %	-	-	-	16.09
Average Interest Earning Assets, 3 Yr. CAGR %	-	-	-	2.47
Average Interest Bearing Liabilities, 3 Yr. CAGR %	-	-	-	0.36
Common Equity, 3 Yr. CAGR %	-	-	-	16.09
Total Equity, 3 Yr. CAGR %	-	-	-	16.09