PFS Bancorp, Inc.
PFSBOTCFinancials · Savings Institutions, Not Federally Chartered · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $1.7M | $905,000 | $1.0M | $831,000 |
| Total assets | $206.9M | $197.6M | $193.5M | $174.1M |
| Total liabilities | $167.9M | $161.0M | $157.5M | $154.0M |
| Equity | $39.1M | $36.7M | $35.9M | $20.1M |
| EPS (diluted) | $1.09 | $0.57 | $0.63 | — |
| Shares out. | 1.7M | 1.7M | 1.7M | — |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 4.3%
- Return on assets
- 0.8%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 81.1%
- Debt / equity
- 4.30×
- Book value / share
- $23.52
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 84.6%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.2%clean
- Piotroski F-Score
- 6/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Raymond James Financial Services Advisors, Inc.Passive (13G)Apr 7, 2026
- Peru Federal Savings Bank Employee Stock Ownership Plan TrustPassive (13G)Feb 9, 2026
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Tieman Dale R.Officer — EVP/COO/Corporate Secretary | Jun 16, 2025 | Grant | 3,450 | $0.00 |
| Vaske Christopher J.Officer — SVP and CLO | Jun 16, 2025 | Grant | 3,450 | $0.00 |
| Heagy Eric J.Officer — President/CEO/CFO/Treasurer | Jun 16, 2025 | Grant | 6,900 | $0.00 |
| Kurkowski Cynthia L.Director | May 23, 2025 | Grant | 3,450 | $0.00 |
| Brady James J. IvDirector | May 23, 2025 | Grant | 3,450 | $0.00 |
| Brandt Jonathan F.Director | May 23, 2025 | Grant | 3,450 | $0.00 |
| Rooney Michael J.Director | May 23, 2025 | Grant | 3,450 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 8 | 1.0 | -99.5% |
| Apr 30, 2026 | 1,691 | 1.0 | +320.6% |
| Apr 15, 2026 | 402 | 1.0 | +298.0% |
| Mar 31, 2026 | 101 | 1.0 | -17.2% |
| Mar 13, 2026 | 122 | 1.0 | -45.8% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 21, 2026
- Other material eventDec 3, 2025
- Shareholder voteJun 2, 2025
- Other material eventDec 5, 2024
- Shareholder voteMay 24, 2024
- Other material eventOct 17, 2023
- Other material eventOct 16, 2023
- Other material eventAug 21, 2023
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 8-KMay 21, 2026
- 10-QMay 6, 2026
- DEF 14AApr 16, 2026
- SCHEDULE 13GApr 7, 2026
- 10-KMar 25, 2026
- SCHEDULE 13G/AFeb 9, 2026
- 8-KFORM 8-KDec 3, 2025
- 10-QNov 6, 2025
- 10-QAug 8, 2025
- 4FORM 4Jun 17, 2025
- 4FORM 4Jun 17, 2025
- 4FORM 4Jun 17, 2025
- 8-KJun 2, 2025
- 4FORM 4May 28, 2025
- 4FORM 4May 28, 2025
Event-driven situations (1)
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