Filing Flows › PFS Bancorp (PFSB) › Q3 2026 › vs Q2 2026
PFS Bancorp (PFSB) Q3 2026 vs Q2 2026 (quarter over quarter)
PFS Bancorp's revenue rose $42K (+2%) from $1.8M in Q2 2026 to $1.8M in Q3 2026. The biggest changes: Net interest income +$42K (+3%); Noninterest income +$0 (0%). Operating margin 31.7% against 28.4% (+3.3 pts).
PFS Bancorp, Q3 2026: revenue $1.8M (+7% year over year), operating margin 31.7%, net earnings $402K, operating cash flow $756K. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 31.7% | 28.4% | +3.3 pts |
| Net margin | 22.3% | 24.8% | -2.5 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Net interest income | $1.6M | $1.6M | $42K | +3% |
| Noninterest income | $174K | $174K | $0 | 0% |
| Revenue | $1.8M | $1.8M | $42K | +2% |
| Operating profit | $571K | $499K | $72K | +14% |
| Costs & expenses | $1.2M | $1.3M | −$30K | -2% |
| Pre-tax earnings | $571K | $499K | $72K | +14% |
| Credit loss provision | $39K | $25K | $14K | +56% |
| Noninterest expense | $1.2M | $1.2M | −$44K | -4% |
| Net earnings | $402K | $437K | −$35K | -8% |
| Income tax | $169K | $62K | $107K | +173% |
| Depreciation | $33K | $30K | $3K | +10% |
| Share-based compensation | $40K | $40K | $0 | 0% |
| Working capital & other | $281K | −$611K | $892K | — |
| Operating cash flow | $756K | −$104K | $860K | — |
Questions
How much did PFS Bancorp's revenue grow quarter over quarter in Q3 2026?
PFS Bancorp's revenue rose $42K (+2%) from $1.8M in Q2 2026 to $1.8M in Q3 2026.
What drove PFS Bancorp's revenue change in Q3 2026?
Net interest income +$42K (+3%); Noninterest income +$0 (0%).