Filing Flows › PFS Bancorp (PFSB) › Operating margin
PFS Bancorp (PFSB) operating margin by quarter
PFS Bancorp's operating margin was 31.7% in Q3 2026 (third quarter 2026), +3.3 pts from Q2 2026. Over the last 7 quarters it ranged from 9.2% (Q4 2024) to 34.9% (Q4 2025).
| Quarter | Operating margin | Q/Q | Y/Y |
|---|---|---|---|
| Q3 2026 | 31.7% | +3.3 pts | +0.0 pts |
| Q2 2026 | 28.4% | +4.5 pts | -5.2 pts |
| Q1 2026 | 23.8% | -11.1 pts | — |
| Q4 2025 | 34.9% | +3.3 pts | +25.8 pts |
| Q3 2025 | 31.7% | -1.9 pts | — |
| Q2 2025 | 33.6% | +24.4 pts | — |
| Q4 2024 | 9.2% | — | — |
Q3 2026 at a glance
PFS Bancorp, Q3 2026: revenue $1.8M (+7% year over year), operating margin 31.7%, net earnings $402K, operating cash flow $756K. The chart follows the revenue to costs, profit and cash.
Questions
What is PFS Bancorp's operating margin?
PFS Bancorp's operating margin was 31.7% in Q3 2026 (third quarter 2026), +3.3 pts from Q2 2026.
How has PFS Bancorp's operating margin changed?
Over the last 7 quarters it ranged from 9.2% (Q4 2024) to 34.9% (Q4 2025).