PFS Bancorp, Inc (PFSB) Fair Value & Analysis
Financial Services · US · Market cap $28.5M
PFS Bancorp, Inc
PFSB · US
Fair value as of: Jul 27, 2026
From 4 valuation models · updated 14 days ago
Share price +6.8% over the past month.
A solid business, currently priced close to our fair value.
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (3 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
34‑month range $8.55 – $20.75 · fair‑value band $16.18 – $26.96 · the $20.30 price screens below the $21.57 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.
Analysis
PFS Bancorp, Inc (PFSB) currently trades at $20.30, while our model-based Fair Value estimate is $21.57, implying the stock looks roughly 6.3% fairly valued today. The Quality Score stands at 63/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, PFS Bancorp, Inc generated revenue of $6.7M at a net margin of 25.6%. Revenue grew 16.7% year over year. It earns a return on equity of 4.5%. The stock trades on a trailing P/E of 16.4. Fundamentals as of Jul 27, 2026
Our scenario range runs from $16.18 (bear case) to $26.96 (bull case); at $20.30, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 85% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 6%, PFSB screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Multiples ($18.33) versus Economic Profit ($16.24). Highest evidence: P/E Multiple (63).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 58 · Market factors (momentum, volatility) 89
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
PFS Bancorp, Inc. operates as a bank holding company for Peru Federal Savings Bank that provides banking and financial products and services to individual and corporate customers in the United States.
Full company description
PFS Bancorp, Inc. operates as a bank holding company for Peru Federal 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2025 · reported fiscal years
PFS Bancorp, Inc reported revenue of $6.6M in FY2025 versus $4.7M in FY2022, a compound +12.0%/yr. Reported net income was $1.7M in FY2025, compounding +26.2%/yr from FY2022.
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Peer Group
Banks - Regional · 1083 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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