Filing Flows › PFS Bancorp (PFSB) › Q1 2026
PFS Bancorp (PFSB) Q1 2026 earnings results (first quarter 2026)
10-Q filed May 6, 2026
PFS Bancorp (PFSB) reported revenue of $1.7M for the first quarter 2026 (Q1 2026), +13% from a year earlier and -7% from the quarter before. Operating margin was 23.8%, net earnings $318K (19.2% of revenue).
PFS Bancorp, Q1 2026: revenue $1.7M (+13% year over year), operating margin 23.8%, net earnings $318K, operating cash flow $704K. The chart follows the revenue to costs, profit and cash.
| Q1 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.7M | -7% | +13% |
| Operating profit | $394K | -37% | +7% |
| Net earnings | $318K | -40% | +12% |
| Operating cash flow | $704K | +13% | +24% |
What changed
Revenue was $1.7M in Q1 2026, up 13% year over year and down 7% from the previous quarter. Net interest income was the largest line at 90% of revenue. Net interest income added $181K year over year (up 14%), 94% of the total change.
Operating profit was $394K, a 23.8% margin (down 1.4 points year over year). Of the extra revenue versus a year earlier, 13% reached operating profit, below the 25% margin then. Total costs grew 15% against revenue growth of 13%. The fastest-growing cost line was Noninterest expense (+20%). Net earnings were $318K, up 12% year over year. The effective tax rate was 19.3%.
Operating cash flow was $704K (up 24% year over year), 221% of net earnings. Non-cash charges added back $31K of depreciation and $40K of share-based compensation. Working capital and other items added $315K.
Questions
What was PFS Bancorp's revenue in the first quarter 2026?
PFS Bancorp (PFSB) reported revenue of $1.7M for the first quarter 2026 (Q1 2026), +13% from a year earlier and -7% from the quarter before.
Was PFS Bancorp profitable in the first quarter 2026?
Operating profit was $394K (23.8% of revenue) and net earnings $318K.
Source: PFS Bancorp 10-Q on SEC EDGAR.