Filing Flows › PFS Bancorp (PFSB) › Q3 2025
PFS Bancorp (PFSB) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 6, 2025
PFS Bancorp (PFSB) reported revenue of $1.7M for the third quarter 2025 (Q3 2025), +20% from a year earlier and +3% from the quarter before. Operating margin was 31.7%, net earnings $416K (24.7% of revenue).
PFS Bancorp, Q3 2025: revenue $1.7M (+20% year over year), operating margin 31.7%, net earnings $416K, operating cash flow $563K. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.7M | +3% | +20% |
| Operating profit | $534K | -3% | +105% |
| Net earnings | $416K | -5% | +72% |
| Operating cash flow | $563K | +48% | +50% |
| Free cash flow | $561K | +47% | +50% |
What changed
Revenue was $1.7M in Q3 2025, up 20% year over year and up 3% from the previous quarter. Net interest income was the largest line at 85% of revenue. Net interest income added $188K year over year (up 15%), 68% of the total change.
Operating profit was $534K, a 31.7% margin (up 13.2 points year over year). Of the extra revenue versus a year earlier, 99% reached operating profit, above the 18% margin then. Total costs grew 0% against revenue growth of 20%. Net earnings were $416K, up 72% year over year. The effective tax rate was 22.1%.
Operating cash flow was $563K (up 50% year over year), 135% of net earnings. Non-cash charges added back $32K of depreciation. Working capital and other items added $115K. Capital expenditures of $2K left free cash flow of $561K.
Questions
What was PFS Bancorp's revenue in the third quarter 2025?
PFS Bancorp (PFSB) reported revenue of $1.7M for the third quarter 2025 (Q3 2025), +20% from a year earlier and +3% from the quarter before.
Was PFS Bancorp profitable in the third quarter 2025?
Operating profit was $534K (31.7% of revenue) and net earnings $416K.
Source: PFS Bancorp 10-Q on SEC EDGAR.