Filing Flows › PFS Bancorp (PFSB) › Q2 2026 › vs Q2 2025
PFS Bancorp (PFSB) Q2 2026 vs Q2 2025 (year over year)
PFS Bancorp's revenue rose $115K (+7%) from $1.6M in Q2 2025 to $1.8M in Q2 2026. The biggest changes: Net interest income +$140K (+10%); Noninterest income −$25K (-13%). Operating margin 28.4% against 33.6% (-5.2 pts).
PFS Bancorp, Q2 2026: revenue $1.8M (+7% year over year), operating margin 28.4%, net earnings $437K, operating cash flow −$104K. The chart draws each line against Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 28.4% | 33.6% | -5.2 pts |
| Net margin | 24.8% | 26.6% | -1.8 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $1.6M | $1.4M | $140K | +10% |
| Noninterest income | $174K | $199K | −$25K | -13% |
| Revenue | $1.8M | $1.6M | $115K | +7% |
| Operating profit | $499K | $552K | −$53K | -10% |
| Costs & expenses | $1.3M | $1.1M | $168K | +15% |
| Pre-tax earnings | $499K | $552K | −$53K | -10% |
| Credit loss provision | $25K | $57K | −$32K | -56% |
| Noninterest expense | $1.2M | $1.0M | $200K | +19% |
| Net earnings | $437K | $438K | −$1K | -0.2% |
| Income tax | $62K | $114K | −$52K | -46% |
| Operating cash sources | $611K | $90K | $521K | +579% |
| Depreciation | $30K | $33K | −$3K | -9% |
| Share-based compensation | $40K | $0 | $40K | — |
| Cash used in operations | $104K | −$381K | $485K | — |
| Working capital & other | $611K | $90K | $521K | +579% |
Questions
How much did PFS Bancorp's revenue grow year over year in Q2 2026?
PFS Bancorp's revenue rose $115K (+7%) from $1.6M in Q2 2025 to $1.8M in Q2 2026.
What drove PFS Bancorp's revenue change in Q2 2026?
Net interest income +$140K (+10%); Noninterest income −$25K (-13%).