PFSB · PFS BANCORP INC COM
What's happening
- PFSB is up 0.00% today, trading at $22.29. — Live quote
- Reports earnings on 2026-11-06, 14 days away. (Finnhub earnings calendar)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Valuation Measures & Ratios
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
Not enough positive evidence under the current rules.
Potential concerns
- Latest SEC filing is Form 10-Q, filed 2026-08-05; review it for current changes and risks. SEC EDGAR ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on PFSB
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Net income | $437.0K | $318.0K | $416.0K | $438.0K | $285.0K | $242.0K | $274.0K | $276.0K |
| EPS (diluted) | $0.28 | $0.21 | $0.50 | $0.28 | $0.18 | $0.46 | $0.17 | $0.17 |
| EPS (basic) | $0.29 | $0.21 | $0.28 | $0.28 | $0.18 | $0.15 | $0.17 | $0.17 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $208.0M | $210.7M | $206.9M | $202.9M | $207.9M | $205.0M | $197.6M | $198.4M |
| Total liabilities | $168.6M | $171.7M | $167.9M | $164.6M | $170.1M | $167.6M | $161.0M | $160.6M |
| Stockholders' equity | $39.4M | $39.0M | $39.1M | $38.3M | $37.8M | $37.4M | $36.7M | $38.1M |
| Property, plant & equipment | $2.0M | $2.0M | $2.0M | $2.0M | $2.0M | $2.1M | $2.1M | $2.1M |
| Common stock & paid-in capital | $17.0K | $17.0K | $17.0K | $17.0K | $17.0K | $17.0K | $17.0K | $17.0K |
| Retained earnings | $28.1M | $27.7M | $27.4M | $26.8M | $26.4M | $26.0M | $25.7M | $25.6M |
| Accumulated other comprehensive income (loss) | -$1.8M | -$1.7M | -$1.4M | -$1.7M | -$2.3M | -$2.7M | -$3.3M | -$1.8M |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -$104.0K | $704.0K | $624.0K | $563.0K | $381.0K | $568.0K | -$16.0K | $375.0K |
| Investing cash flow | $119.0K | $2.5M | $2.4M | $352.0K | -$6.9M | -$4.3M | $905.0K | -$2.2M |
| Financing cash flow | -$2.7M | $3.5M | $3.3M | -$6.3M | $2.2M | $6.3M | $917.0K | -$2.0M |
| Free cash flow | -$177.0K | — | $620.0K | $561.0K | $3.7M | -$2.8M | -$84.0K | $374.0K |
| Capital expenditures | $73.0K | — | $4.0K | $2.0K | -$3.3M | $3.3M | $68.0K | $1.0K |
| Share-based compensation | $40.0K | $40.0K | $40.0K | $53.0K | — | — | — | — |
| Deferred income taxes | — | — | $56.0K | — | — | — | $30.0K | — |
| Purchases of investments | $506.0K | — | $0 | $0 | $3.6M | $3.5M | $965.0K | $517.0K |
| Sales/maturities of investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Share repurchases | $51.0K | $201.0K | $93.0K | $584.0K | $442.0K | $206.0K | $63.0K | — |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 |
|---|---|---|---|---|
| Net income | $1.7M | $905.0K | $1.0M | $831.0K |
| EPS (diluted) | $1.09 | $0.57 | $0.63 | — |
| EPS (basic) | $1.10 | $0.57 | $0.63 | — |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $206.9M | $197.6M | $193.5M | $174.1M | — |
| Total liabilities | $167.9M | $161.0M | $157.5M | $154.0M | — |
| Stockholders' equity | $39.1M | $36.7M | $35.9M | $20.1M | $23.4M |
| Property, plant & equipment | $2.0M | $2.1M | $2.0M | $2.1M | — |
| Common stock & paid-in capital | $17.0K | $17.0K | $17.0K | — | — |
| Retained earnings | $27.4M | $25.7M | $24.8M | $23.8M | — |
| Accumulated other comprehensive income (loss) | -$1.4M | -$3.3M | -$3.2M | -$3.7M | — |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 |
|---|---|---|---|---|
| Operating cash flow | $2.1M | $1.4M | $1.9M | $2.2M |
| Investing cash flow | -$8.5M | -$8.7M | -$11.7M | -$2.9M |
| Financing cash flow | $5.6M | $3.4M | $17.3M | -$8.2M |
| Free cash flow | $2.1M | $1.1M | $1.9M | $2.1M |
| Capital expenditures | $21.0K | $219.0K | $44.0K | $136.0K |
| Share-based compensation | $93.0K | — | — | — |
| Deferred income taxes | $56.0K | $30.0K | -$65.0K | -$2.0K |
| Purchases of investments | $7.1M | $11.8M | $6.8M | $18.0M |
| Sales/maturities of investments | $0 | $0 | $0 | $6.2M |
| Share repurchases | $1.3M | $63.0K | $400.0K | — |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding PFSB as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 7 most recent filings · covers 2025-05-23 to 2025-06-16
Recent transactions
- Most recent: Tieman Dale R. (EVP/COO/Corporate Secretary) — Grant / award of 3,450 shares on 2025-06-16.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Tieman Dale R. | EVP/COO/Corporate Secretary | Grant / award | 2025-06-16 | 3,450 |
| Vaske Christopher J. | SVP and CLO | Grant / award | 2025-06-16 | 3,450 |
| Heagy Eric J. | President/CEO/CFO/Treasurer | Grant / award | 2025-06-16 | 6,900 |
| Kurkowski Cynthia L. | Director | Grant / award | 2025-05-23 | 3,450 |
| Brady James J. IV | Director | Grant / award | 2025-05-23 | 3,450 |
| Brandt Jonathan F. | Director | Grant / award | 2025-05-23 | 3,450 |
| Rooney Michael J. | Director | Grant / award | 2025-05-23 | 3,450 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2025-06-16 | Tieman Dale R. | EVP/COO/Corporate Secretary | Grant / award | 3,450 | $0.00 |
| 2025-06-16 | Vaske Christopher J. | SVP and CLO | Grant / award | 3,450 | $0.00 |
| 2025-06-16 | Heagy Eric J. | President/CEO/CFO/Treasurer | Grant / award | 6,900 | $0.00 |
| 2025-05-23 | Kurkowski Cynthia L. | Director | Grant / award | 3,450 | $0.00 |
| 2025-05-23 | Brady James J. IV | Director | Grant / award | 3,450 | $0.00 |
| 2025-05-23 | Brandt Jonathan F. | Director | Grant / award | 3,450 | $0.00 |
| 2025-05-23 | Rooney Michael J. | Director | Grant / award | 3,450 | $0.00 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-23 02:55 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-08-05 | 10-Q | 2026-06-30 | View on SEC.gov → |
| 2026-05-21 | 8-K | 2026-05-21 | View on SEC.gov → |
| 2026-05-06 | 10-Q | 2026-03-31 | View on SEC.gov → |
| 2026-03-25 | 10-K | 2025-12-31 | View on SEC.gov → |
| 2025-12-03 | 8-K | 2025-12-01 | View on SEC.gov → |
| 2025-11-06 | 10-Q | 2025-09-30 | View on SEC.gov → |
| 2025-08-08 | 10-Q | 2025-06-30 | View on SEC.gov → |
| 2025-06-17 | 4 | 2025-06-16 | View on SEC.gov → |
| 2025-06-17 | 4 | 2025-06-16 | View on SEC.gov → |
| 2025-06-17 | 4 | 2025-06-16 | View on SEC.gov → |
| 2025-06-02 | 8-K | 2025-05-22 | View on SEC.gov → |
| 2025-05-28 | 4 | 2025-05-23 | View on SEC.gov → |
Recent news
Headlines about PFSB (PFS BANCORP INC COM). Links open the publisher — we don’t host full articles.
-
PFS Bancorp authorizes additional 0.16M share buyback
Seeking Alpha · 2025-12-03
No headlines in this category right now — try “All”.