Filing Flows › PFS Bancorp (PFSB) › Q3 2026
PFS Bancorp (PFSB) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
PFS Bancorp (PFSB) reported revenue of $1.8M for the third quarter 2026 (Q3 2026), +7% from a year earlier and +2% from the quarter before. Operating margin was 31.7%, net earnings $402K (22.3% of revenue).
PFS Bancorp, Q3 2026: revenue $1.8M (+7% year over year), operating margin 31.7%, net earnings $402K, operating cash flow $756K. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.8M | +2% | +7% |
| Operating profit | $571K | +14% | +7% |
| Net earnings | $402K | -8% | -3% |
| Operating cash flow | $756K | — | +34% |
| Free cash flow | $691K | — | +23% |
What changed
Revenue was $1.8M in Q3 2026, up 7% year over year and up 2% from the previous quarter. Net interest income was the largest line at 90% of revenue. Net interest income added $198K year over year (up 14%), 172% of the total change. Noninterest income declined 32%.
Operating profit was $571K, a 31.7% margin (unchanged year over year). Of the extra revenue versus Q3 2025, 32% reached operating profit, above the 32% margin then. Total costs grew 7% against revenue growth of 7%. Net earnings were $402K, down 3% year over year. The effective tax rate was 29.6%.
Operating cash flow was $756K (up 34% year over year), 188% of net earnings. Non-cash charges added back $33K of depreciation and $40K of share-based compensation. Working capital and other items added $281K. Capital expenditures of $65K left free cash flow of $691K.
Questions
What was PFS Bancorp's revenue in the third quarter 2026?
PFS Bancorp (PFSB) reported revenue of $1.8M for the third quarter 2026 (Q3 2026), +7% from a year earlier and +2% from the quarter before.
Was PFS Bancorp profitable in the third quarter 2026?
Operating profit was $571K (31.7% of revenue) and net earnings $402K.
Source: PFS Bancorp 10-Q on SEC EDGAR.