PFSB · XBRL financial data
PFS Bancorp financial statements, every fiscal year
The same tables from 3 filings, lined up. Matched by XBRL tag: renamed lines keep their history.
How these numbers work
- Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
- Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
- * marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
- 0 means a filing states zero; a dash (—) means no filing states that number.
- “year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
- Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
- Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
- Shares outstanding come from each filing's cover page, as of the date printed there.
- Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.
Income statement
CSVFiscal years (PFSB's year ends in late December)
| In thousands of dollars | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|
| Income tax expense (benefit) | 240 | 202 | 405 |
| Net income (loss) | 1,008 | 905 | 1,671 |
| Earnings per share, basic USD per share | 0.65 | 0.57 | 1.10 |
| Earnings per share, diluted USD per share | 0.65 | 0.57 | 1.09 |
| Weighted average shares, basic thousands of shares | 1,553 | 1,595 | 1,519 |
| Weighted average shares, diluted thousands of shares | 1,553 | 1,595 | 1,533 |
Balance sheet
CSVFiscal years (PFSB's year ends in late December)
| In thousands of dollars | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|
| Cash and cash equivalents | 20,202 | 16,256 | 15,494 |
| Property and equipment, net | 2,037 | 2,101 | 1,992 |
| Total assets | 193,453 | 197,637 | 206,911 |
| Total deposits | 156,161 | 159,587 | 166,478 |
| Total liabilities | 157,934 | 160,962 | 167,858 |
| Retained earnings | 24,796 | 25,701 | 27,372 |
| Total stockholders' equity | 35,519 | 36,675 | 39,053 |
| Total liabilities and equity | 193,453 | 197,637 | 206,911 |
| Common shares outstanding (cover page) thousands of shares | 1,685 | 1,660 | 1,549 |
Cash flows
CSVFiscal years (PFSB's year ends in late December)
| In thousands of dollars | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|
| Net income (loss) | 1,008 | 905 | 1,671 |
| Stock-based compensation | — | — | 93 |
| Net cash from operating activities | 1,953 | 1,366 | 2,136 |
| Purchases of property and equipment | 44 | 219 | 21 |
| Net cash from investing activities | (11,704) | (8,675) | (8,464) |
| Proceeds from issuing common stock | 17,250 | — | — |
| Share repurchases | 400 | 63 | 1,325 |
| Net cash from financing activities | 17,302 | 3,363 | 5,566 |
Compare with peers
SIC 6036 and related industry codes, similar size. Each row is the latest quarter reported.
How peers are chosen
- SIC 6036 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
- Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
- Runway shows only for companies burning cash with under $10B of public float.
- * marks a quarter worked out from the filing totals: for a 10-K, the year less the first three quarters; for a 10-Q, the year-to-date total less the earlier one.
- A cell reading “not reported” means the filings give no figure for that quarter alone.
| Company | Cash ($K) | Revenue, quarter ($K) | Operating cash flow, quarter ($K) | Shares outstanding | Runway | Quarter |
|---|---|---|---|---|---|---|
| PFS Bancorp | 19,473 | not reported | (104)* | 1.5M | 187.2 quarters | 10-QJun 30, 2026 |
| CFSB Bancorp | 24,665 | not reported | 104* | 6.5M | — | 10-KJun 30, 2025 |
| Quaint Oak Bancorp | 48,262 | not reported | 12,837* | 2.6M | — | 10-QJun 30, 2026 |
| Mercer Bancorp | 5,952 | not reported | 372* | 1.0M | — | 10-QMar 31, 2026 |
| Gouverneur Bancorp | 6,339 | not reported | 141* | 1.1M | — | 10-QJun 30, 2026 |
| Lake Shore Bancorp | 72,237 | not reported | 2,339* | 7.9M | — | 10-QJun 30, 2026 |
| Texas Community Bancshares | 7,227 | not reported | 1,371* | 2.9M | — | 10-QJun 30, 2026 |
| Kentucky First Federal Bancorp | 21,296 | not reported | 886* | 8.1M | — | 10-QMar 31, 2026 |
| Winchester Bancorp | 60,047 | not reported | 1,133* | 9.3M | — | 10-KJun 30, 2026 |
Not investment advice. Not affiliated with the U.S. SEC.