PFS Bancorp (PFSB) EBT Margin (2022 - 2026)
PFS Bancorp's EBT Margin came in at 31.70% for Q3 2026, up 0.03 percentage points from 31.67% a year earlier and up 3.34 percentage points from the prior quarter.
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Analysis
PFS Bancorp (PFSB) EBT Margin (2022 - 2026) Analysis & Trends
Over the trailing twelve months to Sep 30, 2026, PFS Bancorp reported EBT Margin of 29.83%, up 4.90 percentage points year-over-year; for FY2025, it came in at 31.59%, up 12.88 percentage points from FY2024.
- EBT Margin carries a three-year change of +10.49 percentage points (FY2022 to FY2025).
- Going back by year, EBT Margin was 18.71% in FY2024 (-4.59 pp), 23.30% in FY2023 (+2.19 pp) and 21.10% in FY2022.
- The five-year range for quarterly EBT Margin is 5.57% (Q4 2022) to 34.92% (Q4 2025).
- Year-over-year, EBT Margin increased in five of the last eight quarters, with an average year-over-year change of +3.31 percentage points.
- The fastest year-over-year change in EBT Margin over five years came in Q4 2025 (a gain of 25.76 percentage points), and the weakest in Q4 2024 (a drop of 16.04 percentage points).
- Business Quant data shows PFSB's EBT Margin at 28.37% (Q2 2026), 23.84% (Q1 2026) and 34.92% (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | 40.13% |
| 2 | Banco Santander Chile | 407.42 Bn | -7,109.68 Bn | - | - |
| 3 | Bank Of America | 353.20 Bn | -2,022.91 Bn | - | 29.93% |
| 4 | Hsbc Holdings | 307.88 Bn | -2,967.28 Bn | - | 51.73% |
| 5 | Morgan Stanley | 298.41 Bn | -244.41 Bn | - | 31.85% |
| 6 | Royal Bank Of Canada | 283.46 Bn | -546.54 Bn | - | 41.80% |
| 7 | Goldman Sachs | 264.45 Bn | -3,478.99 Bn | - | 37.49% |
| 8 | Mitsubishi Ufj Financial | 259.19 Bn | -159.36 Bn | 5.24 Bn | 52.99% |
| 9 | Wells Fargo & Company | 258.28 Bn | 93.72 Bn | - | 32.46% |
| 10 | PFS Bancorp | 31.95 Mn | 25.15 Mn | - | 31.70% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 31.70% |
| Jun 30, 2026 | 28.37% |
| Mar 31, 2026 | 23.84% |
| Dec 31, 2025 | 34.92% |
| Sep 30, 2025 | 31.67% |
| Jun 30, 2025 | 33.58% |
| Mar 31, 2025 | 25.27% |
| Dec 31, 2024 | 9.17% |
| Sep 30, 2024 | 18.45% |
| Jun 30, 2024 | 25.17% |
| Mar 31, 2024 | 23.52% |
| Dec 31, 2023 | 25.20% |
| Sep 30, 2023 | 27.53% |
| Jun 30, 2023 | 19.12% |
| Mar 31, 2023 | 20.82% |
| Dec 31, 2022 | 5.57% |
| Sep 30, 2022 | 27.02% |
| Jun 30, 2022 | 29.12% |
API Access
PFS Bancorp EBT 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=ebt-margin&ticker=PFSB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-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=ebt-margin&ticker=PFSB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();