PFSB
PFS Bancorp, Inc.15.40
+0.15+0.98%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
24.70MP/E (TTM)
19.01Basic EPS (TTM)
0.81Dividend Yield
0%Recent Filings
8-K
10-Q
Q3 FY2025 results
PFS Bancorp's Q3 2025 results showed net income climbing 72% year-over-year to $416K, fueled by net interest income up 15% to $1.4M as loan yields rose to 5.64% amid a 14% loan book expansion to $109M, while deposit costs dipped slightly to 2.17%. Gross margin held steady around 63%, but operating income jumped 105% to $534K on controlled expenses and a leaner $40K credit provision versus $113K last year. Liquidity stays solid with $9.1M in cash and $48.5M untapped FHLB capacity, no debt outstanding. Yet competition from bigger banks in northern Illinois could squeeze margins further.
10-Q
Q2 FY2025 results
PFS Bancorp's Q2 FY2025 results showed net income climbing 60% year-over-year to $438K, fueled by net interest income up 16% to $1.4M as loan yields rose to 5.58% amid a 11% portfolio expansion to $106M, while deposit costs held steady at 2.12%. Gross margin strengthened to 2.91%, with operating income hitting $552K after a modest $57K credit loss provision. Cash dipped to $14.5M, yet free cash flow stayed positive at $934K (derived) and no debt burdened the balance sheet, leaving $47.6M in FHLB availability. Loan growth leaned on commercial real estate, up 34% q/q. But competition from bigger banks squeezes margins in northern Illinois.
8-K
Annual meeting elects directors
PFS Bancorp held its annual stockholder meeting on May 22, 2025, electing Jonathan F. Brandt and Michael J. Rooney as directors for three-year terms amid some withhold votes. Shareholders approved the 2025 Equity Incentive Plan by a majority, securing flexibility for employee incentives. Wipfli LLP's appointment as auditor for the fiscal year was ratified overwhelmingly. Directors now guide strategy amid emerging growth status.
10-Q
Q1 FY2025 results
PFS Bancorp kicked off 2025 with steady growth, as net interest income rose 6.0% year-over-year to $1.3M, driven by a 22.7% jump in loan interest from higher yields and balances, while available-for-sale securities added a 12.3% lift. Net income edged up 3.3% to $285K, or $0.18 per diluted share on 1,583,514 weighted shares—matching the filing's calculation with no anti-dilution quirks. Loans expanded 3.4% quarter-over-quarter to $99.6M, fueled by commercial real estate, yet noninterest income dipped 18.3% on softer commissions. Cash swelled to $18.8M with $48.1M in FHLB borrowing capacity and no debt outstanding. Solid. But competition from bigger banks in northern Illinois could squeeze margins.
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