Filing Flows › PFS Bancorp (PFSB) › How it makes money
How PFS Bancorp (PFSB) makes money
PFS Bancorp (PFSB) made $1.8M of revenue in the third quarter 2026 (Q3 2026), +7% from a year earlier. Net interest income brought in $1.6M (90%); Noninterest income brought in $174K (10%). Of every dollar of revenue, 32¢ was left as operating profit, 22¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $1.6M | 90.3% | +3% | +14% |
| Noninterest income | $174K | 9.7% | 0% | -32% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $1.8M | 100.0% |
| Operating profit | $571K | 31.7% |
| Income tax | $169K | 9.4% |
| Net earnings | $402K | 22.3% |
| Operating cash flow | $756K | 42.0% |
| Free cash flow | $691K | 38.4% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $1.8M | +7% |
| Q2 2026 | $1.8M | +7% |
| Q1 2026 | $1.7M | +13% |
| Q4 2025 | $1.8M | +7% |
| Q3 2025 | $1.7M | +20% |
| Q2 2025 | $1.6M | +15% |
| Q4 2024 | $1.7M | +13% |
From PFS Bancorp's 10-Q filed Nov 5, 2026 (on EDGAR).
Questions
How does PFS Bancorp make money?
PFS Bancorp (PFSB) made $1.8M of revenue in the third quarter 2026 (Q3 2026), +7% from a year earlier. Net interest income brought in $1.6M (90%); Noninterest income brought in $174K (10%). Of every dollar of revenue, 32¢ was left as operating profit, 22¢ was left as net earnings.
What is PFS Bancorp's biggest business?
Net interest income: $1.6M in the third quarter 2026, 90% of revenue, +14% from a year earlier.
What is PFS Bancorp's profit margin?
Net earnings were $402K, 22.3% of revenue, in the third quarter 2026; the operating margin was 31.7%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.