Filing Flows › PFS Bancorp (PFSB) › Q2 2026
PFS Bancorp (PFSB) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 5, 2026
PFS Bancorp (PFSB) reported revenue of $1.8M for the second quarter 2026 (Q2 2026), +7% from a year earlier and +6% from the quarter before. Operating margin was 28.4%, net earnings $437K (24.8% of revenue).
PFS Bancorp, Q2 2026: revenue $1.8M (+7% year over year), operating margin 28.4%, net earnings $437K, operating cash flow −$104K. The chart follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.8M | +6% | +7% |
| Operating profit | $499K | +27% | -10% |
| Net earnings | $437K | +37% | -0.2% |
| Operating cash flow | −$104K | -115% | -127% |
What changed
Revenue was $1.8M in Q2 2026, up 7% year over year and up 6% from the previous quarter. Net interest income was the largest line at 90% of revenue. Net interest income added $140K year over year (up 10%), 122% of the total change. Noninterest income declined 13%.
Operating profit was $499K, a 28.4% margin (down 5.2 points year over year). Operating profit fell $53K even though revenue rose $115K versus Q2 2025, so costs grew faster than sales. Total costs grew 15% against revenue growth of 7%. The fastest-growing cost line was Noninterest expense (+19%). Net earnings were $437K, roughly flat year over year. The effective tax rate was 12.4%.
Operating cash flow was −$104K. Non-cash charges added back $30K of depreciation and $40K of share-based compensation. Working capital and other items used $611K.
Questions
What was PFS Bancorp's revenue in the second quarter 2026?
PFS Bancorp (PFSB) reported revenue of $1.8M for the second quarter 2026 (Q2 2026), +7% from a year earlier and +6% from the quarter before.
Was PFS Bancorp profitable in the second quarter 2026?
Operating profit was $499K (28.4% of revenue) and net earnings $437K.
Source: PFS Bancorp 10-Q on SEC EDGAR.