PFS Bancorp, Inc.
PFS Bancorp, Inc.
Your view on PFSB
Overview
What the company does, where it operates, and who runs it.
About PFS Bancorp, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Eric J. Heagy
- Headquarters
- 1730 Fourth Street, Peru, IL, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Eric J. Heagy
- Headquarters
- 1730 Fourth Street, Peru, IL, US
PFS Bancorp, Inc. operates as a bank holding company for Peru Federal Savings Bank, a federally chartered mutual savings bank that provides banking and financial products and services to individual and corporate customers in the United States.
The company offers checking accounts, savings accounts, individual retirement accounts, and certificate of deposit accounts; and non-interest-bearing demand, NOW savings, money market, and time deposits.
It also provides one- to four-family residential mortgage, multi-family real estate, commercial real estate, agricultural real estate, construction and land development, commercial, and consumer loans, as well as home equity loans and lines of credit.
In addition, the company offers electronic banking services, including mobile banking, on-line banking, and bill pay, as well as electronic funds transfer services through Zelle; and invests in securities. PFS Bancorp, Inc. was founded in 1887 and is based in Peru, Illinois.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for PFS Bancorp, Inc., and the rating behind it. PFSB last traded at $16.82, 19.6× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for PFS Bancorp, Inc.. Starting points for PFS Bancorp, Inc.: P/E 19.6, EPS $1.13, beta 0.20 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for PFS Bancorp, Inc.. PFS Bancorp, Inc. does not currently pay a regular dividend, so this section tracks capacity rather than history. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for PFS Bancorp, Inc.. Trailing twelve-month EPS for PFS Bancorp, Inc. stands at $1.13. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for PFS Bancorp, Inc.. PFS Bancorp, Inc. has reported as a listed company since 2023. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
PFS Bancorp, Inc. valued side by side against its closest peers. PFS Bancorp, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold PFS Bancorp, Inc., and how their positions are changing. At a $27.0M market value, institutional positions materially move PFS Bancorp, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by PFS Bancorp, Inc. executives and directors. Shares of PFS Bancorp, Inc. have traded between $9.55 and $17.00 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming PFS Bancorp, Inc.. PFS Bancorp, Inc. is a $27.0M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming PFS Bancorp, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for PFS Bancorp, Inc.. Coverage tracks PFS Bancorp, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.
Comments
Comments and replies from FRC members about this company.