Filing Flows › PFS Bancorp (PFSB) › Q2 2025
PFS Bancorp (PFSB) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 8, 2025
PFS Bancorp (PFSB) reported revenue of $1.6M for the second quarter 2025 (Q2 2025), +15% from a year earlier and +13% from the quarter before. Operating margin was 33.6%, net earnings $438K (26.6% of revenue).
PFS Bancorp, Q2 2025: revenue $1.6M (+15% year over year), operating margin 33.6%, net earnings $438K, operating cash flow $381K. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.6M | +13% | +15% |
| Operating profit | $552K | +50% | +53% |
| Net earnings | $438K | +54% | +60% |
| Operating cash flow | $381K | -33% | -27% |
What changed
Revenue was $1.6M in Q2 2025, up 15% year over year and up 13% from the previous quarter. Net interest income was the largest line at 88% of revenue. Net interest income added $197K year over year (up 16%), 92% of the total change.
Operating profit was $552K, a 33.6% margin (up 8.4 points year over year). Of the extra revenue versus a year earlier, 90% reached operating profit, above the 25% margin then. Total costs grew 2% against revenue growth of 15%. The fastest-growing cost line was Credit loss provision (+714%). Net earnings were $438K, up 60% year over year. The effective tax rate was 20.7%.
Operating cash flow was $381K (down 27% year over year), 87% of net earnings. Non-cash charges added back $33K of depreciation. Working capital and other items used $90K.
Questions
What was PFS Bancorp's revenue in the second quarter 2025?
PFS Bancorp (PFSB) reported revenue of $1.6M for the second quarter 2025 (Q2 2025), +15% from a year earlier and +13% from the quarter before.
Was PFS Bancorp profitable in the second quarter 2025?
Operating profit was $552K (33.6% of revenue) and net earnings $438K.
Source: PFS Bancorp 10-Q on SEC EDGAR.