Filing Flows › PFS Bancorp (PFSB) › Q4 2025
PFS Bancorp (PFSB) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 25, 2026
PFS Bancorp (PFSB) reported revenue of $1.8M for the fourth quarter 2025 (Q4 2025), +7% from a year earlier and +6% from the quarter before. Operating margin was 34.9%, net earnings $532K (29.9% of revenue).
PFS Bancorp, Q4 2025: revenue $1.8M (+7% year over year), operating margin 34.9%, net earnings $532K, operating cash flow $624K. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $1.8M | +6% | +7% |
| Operating profit | $622K | +16% | +309% |
| Net earnings | $532K | +28% | +371% |
| Operating cash flow | $624K | +11% | — |
| Free cash flow | $620K | +11% | — |
What changed
Revenue was $1.8M in Q4 2025, up 7% year over year and up 6% from the previous quarter. Net interest income was the largest line at 82% of revenue. Net interest income added $151K year over year (up 12%), 123% of the total change. Noninterest income declined 8%.
Operating profit was $622K, a 34.9% margin (up 25.8 points year over year). Of the extra revenue versus Q4 2024, 382% reached operating profit, above the 9% margin then. Total costs fell 23% while revenue rose 7%. Net earnings were $532K, up 371% year over year. The effective tax rate was 14.5%.
Operating cash flow was $624K, 117% of net earnings. Non-cash charges added back $32K of depreciation and $40K of share-based compensation. Capital expenditures of $4K left free cash flow of $620K.
Questions
What was PFS Bancorp's revenue in the fourth quarter 2025?
PFS Bancorp (PFSB) reported revenue of $1.8M for the fourth quarter 2025 (Q4 2025), +7% from a year earlier and +6% from the quarter before.
Was PFS Bancorp profitable in the fourth quarter 2025?
Operating profit was $622K (34.9% of revenue) and net earnings $532K.
Source: PFS Bancorp 10-K on SEC EDGAR.