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PFS Bancorp (PFSB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · PFS Bancorp (PFSB) Q3 2026 earnings results →
Q3 2026 Revenue up 7% year over year to $1.8M · 22¢ of every $1 of revenue kept as net profit · operating margin 31.7%
PFS Bancorp made $1.8M in Q3 2026 (+7% Y/Y): Net interest income $1.6M, Noninterest income $174K. Operating margin 31.7%, net earnings $402K. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $1.8M in Q3 2026, up 7% year over year and up 2% from the previous quarter. Net interest income was the largest line at 90% of revenue. Net interest income added $198K year over year (up 14%), 172% of the total change. Noninterest income declined 32%.
Operating profit was $571K, a 31.7% margin (unchanged year over year). Of the extra revenue versus Q3 2025, 32% reached operating profit, above the 32% margin then. Total costs grew 7% against revenue growth of 7%. Net earnings were $402K, down 3% year over year. The effective tax rate was 29.6%.
Operating cash flow was $756K (up 34% year over year), 188% of net earnings. Non-cash charges added back $33K of depreciation and $40K of share-based compensation. Working capital and other items added $281K. Capital expenditures of $65K left free cash flow of $691K.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $1.8M | +7% | 31.7% | $402K | $756K |
| Q2 2026 | 10-Q | Aug 5, 2026 | $1.8M | +7% | 28.4% | $437K | −$104K |
| Q1 2026 | 10-Q | May 6, 2026 | $1.7M | +13% | 23.8% | $318K | $704K |
| Q4 2025 | 10-K | Mar 25, 2026 | $1.8M | +7% | 34.9% | $532K | $624K |
| Q3 2025 | 10-Q | Nov 6, 2025 | $1.7M | +20% | 31.7% | $416K | $563K |
| Q2 2025 | 10-Q | Aug 8, 2025 | $1.6M | +15% | 33.6% | $438K | $381K |
| Q4 2024 | 10-K | Mar 28, 2025 | $1.7M | +13% | 9.2% | $113K | −$16K |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About PFS Bancorp
This annual report contains forward-looking statements, which can be identified by the use of words such as “estimate,” “project,” “believe,” “intend,” “anticipate,” “assume,” “plan,” “seek,” “expect,” “will,” “may,” “should,” “indicate,” “would,” “believe,” “contemplate,” “continue,” “target” and words of similar meaning. These forward-looking statements include, but are not limited to: These forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change.
In its own words, from its 10-K, filed Mar 25, 2026.
PFS Bancorp against its Savings Institutions, Not Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +7% against the peers' median +7%. Operating margin: 31.7% against the peers' median 31.8%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| PFSB PFS Bancorp | Q3 2026 | $1.8M | +7% | 31.7% |
| FLG Flagstar Bank, National Association | Q3 2026 | $530M | +2% | -1.9% |
| BBT Beacon Financial | Q2 2025 | $114M | +5% | 36.5% |
| HFWA Heritage Financial | Q3 2026 | $86.5M | +32% | 25.8% |
| NBBK NB Bancorp | Q3 2026 | $76.5M | +48% | 37.9% |
| TCBX Third Coast Bancshares | Q3 2026 | $65.9M | +21% | 36.1% |
| SMBC Southern Missouri Bancorp | Q1 FY27 | $53.1M | +8% | 44.4% |
| HBCP Home Bancorp | Q3 2026 | $40.1M | +6% | 31.8% |
| NARA Narragansett Bancorp | Q2 2026 | $35.3M | +6% | 11.2% |
Source: PFS Bancorp 10-Q on SEC EDGAR · CIK 1967656 · Savings Institutions, Not Federally Chartered
Guidance and outlook
More on PFSB
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q4 2024 results