PFS Bancorp (PFSB) EBITDA Margin (2022 - 2026)
PFS Bancorp's EBITDA Margin came in at 33.54% for Q3 2026, down 0.03 percentage points from 33.57% a year earlier but up 3.46 percentage points from the prior quarter.
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Analysis
PFS Bancorp (PFSB) EBITDA Margin (2022 - 2026) Analysis & Trends
Over the trailing twelve months to Sep 30, 2026, PFS Bancorp reported EBITDA Margin of 31.63%, up 4.66 percentage points year-over-year; for FY2025, it was 33.57%, up 12.31 percentage points from FY2024.
- EBITDA Margin carries a three-year change of +9.36 percentage points (FY2022 to FY2025).
- Going back by year, EBITDA Margin was 21.26% in FY2024 (-4.84 pp), 26.10% in FY2023 (+1.89 pp) and 24.21% in FY2022.
- The five-year range for quarterly EBITDA Margin is 8.70% (Q4 2022) to 36.72% (Q4 2025).
- Year-over-year, EBITDA Margin has declined for three consecutive quarters, with an average year-over-year change of +2.85 percentage points over the last eight quarters.
- The fastest year-over-year change in EBITDA Margin over five years came in Q4 2025 (a gain of 25.56 percentage points), and the weakest in Q4 2024 (a drop of 16.63 percentage points).
- Business Quant data shows PFSB's EBITDA Margin at 30.07% (Q2 2026), 25.71% (Q1 2026) and 36.72% (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | 97.78% |
| 2 | Banco Santander Chile | 407.42 Bn | -7,109.68 Bn | - | - |
| 3 | Bank Of America | 353.20 Bn | -2,022.91 Bn | - | 91.48% |
| 4 | Hsbc Holdings | 307.88 Bn | -2,967.28 Bn | - | - |
| 5 | Morgan Stanley | 298.41 Bn | -244.41 Bn | - | 100.96% |
| 6 | Royal Bank Of Canada | 283.46 Bn | -546.54 Bn | - | 139.87% |
| 7 | Goldman Sachs | 264.45 Bn | -3,478.99 Bn | - | 142.21% |
| 8 | Mitsubishi Ufj Financial | 259.19 Bn | -159.36 Bn | 5.24 Bn | - |
| 9 | Wells Fargo & Company | 258.28 Bn | 93.72 Bn | - | 92.97% |
| 10 | PFS Bancorp | 31.95 Mn | 25.15 Mn | - | 33.54% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 33.54% |
| Jun 30, 2026 | 30.07% |
| Mar 31, 2026 | 25.71% |
| Dec 31, 2025 | 36.72% |
| Sep 30, 2025 | 33.57% |
| Jun 30, 2025 | 35.58% |
| Mar 31, 2025 | 27.60% |
| Dec 31, 2024 | 11.16% |
| Sep 30, 2024 | 21.08% |
| Jun 30, 2024 | 28.04% |
| Mar 31, 2024 | 26.34% |
| Dec 31, 2023 | 27.79% |
| Sep 30, 2023 | 30.36% |
| Jun 30, 2023 | 22.05% |
| Mar 31, 2023 | 23.78% |
| Dec 31, 2022 | 8.70% |
| Sep 30, 2022 | 29.91% |
| Jun 30, 2022 | 32.26% |
API Access
PFS Bancorp EBITDA Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebitda-margin&ticker=PFSB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebitda-margin", "ticker": "PFSB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebitda-margin&ticker=PFSB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();