Filing Flows › PFS Bancorp (PFSB) › Q3 2026 › vs Q3 2025
PFS Bancorp (PFSB) Q3 2026 vs Q3 2025 (year over year)
PFS Bancorp's revenue rose $115K (+7%) from $1.7M in Q3 2025 to $1.8M in Q3 2026. The biggest changes: Net interest income +$198K (+14%); Noninterest income −$83K (-32%). Operating margin 31.7% against 31.7% (+0.0 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 31.7% | 31.7% | +0.0 pts |
| Net margin | 22.3% | 24.7% | -2.4 pts |
| Free cash flow margin | 38.4% | 33.3% | +5.1 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $1.6M | $1.4M | $198K | +14% |
| Noninterest income | $174K | $257K | −$83K | -32% |
| Revenue | $1.8M | $1.7M | $115K | +7% |
| Operating profit | $571K | $534K | $37K | +7% |
| Costs & expenses | $1.2M | $1.2M | $78K | +7% |
| Pre-tax earnings | $571K | $534K | $37K | +7% |
| Credit loss provision | $39K | $40K | −$1K | -3% |
| Noninterest expense | $1.2M | $1.1M | $79K | +7% |
| Net earnings | $402K | $416K | −$14K | -3% |
| Income tax | $169K | $118K | $51K | +43% |
| Depreciation | $33K | $32K | $1K | +3% |
| Share-based compensation | $40K | $0 | $40K | — |
| Working capital & other | $281K | $115K | $166K | +144% |
| Operating cash flow | $756K | $563K | $193K | +34% |
| Free cash flow (OCF − capex) | $691K | $561K | $130K | +23% |
| Capital expenditures | $65K | $2K | $63K | 32× |
Questions
How much did PFS Bancorp's revenue grow year over year in Q3 2026?
PFS Bancorp's revenue rose $115K (+7%) from $1.7M in Q3 2025 to $1.8M in Q3 2026.
What drove PFS Bancorp's revenue change in Q3 2026?
Net interest income +$198K (+14%); Noninterest income −$83K (-32%).