PFS Bancorp (PFSB) FCF Margin (2022 - 2026)
PFS Bancorp (PFSB) recorded FCF Margin of 38.37% in Q3 2026, up 5.09 percentage points from 33.27% a year earlier and up 44.28 percentage points from the prior quarter.
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Analysis
PFS Bancorp (PFSB) FCF Margin (2022 - 2026) Analysis & Trends
On a TTM basis, PFS Bancorp's FCF Margin came in at 27.32% as of Sep 30, 2026, up 5.44 percentage points year-over-year; for FY2025, it came in at 32.19%, up 12.80 percentage points from FY2024.
- Annual FCF Margin has a three-year change of -12.18 percentage points (FY2022 to FY2025).
- Across earlier years, FCF Margin came in at 19.38% in FY2024 (-15.95 pp), 35.34% in FY2023 (-9.03 pp) and 44.37% in FY2022.
- Quarterly FCF Margin has ranged from -190.21% in Q1 2025 to 225.73% in Q2 2025 over the past five years.
- On a year-over-year basis, FCF Margin rose in five of the last eight quarters, with an average year-over-year change of -10.78 percentage points.
- Peak year-over-year performance for FCF Margin in the last five years was a gain of 232.79 percentage points in Q1 2026, against a drop of 231.64 percentage points in Q2 2026 at the low end.
- Per Business Quant, the preceding three quarters came in at -5.91% (Q2 2026), 42.59% (Q1 2026) and 34.81% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | 66.09% |
| 2 | Banco Santander Chile | 407.42 Bn | -7,109.68 Bn | - | - |
| 3 | Bank Of America | 353.20 Bn | -2,022.91 Bn | - | -21.69% |
| 4 | Hsbc Holdings | 307.88 Bn | -2,967.28 Bn | - | - |
| 5 | Morgan Stanley | 298.41 Bn | -244.41 Bn | - | -230.94% |
| 6 | Royal Bank Of Canada | 283.46 Bn | -546.54 Bn | - | 189.34% |
| 7 | Goldman Sachs | 264.45 Bn | -3,478.99 Bn | - | 19.57% |
| 8 | Mitsubishi Ufj Financial | 259.19 Bn | -159.36 Bn | 5.24 Bn | - |
| 9 | Wells Fargo & Company | 258.28 Bn | 93.72 Bn | - | 40.54% |
| 10 | PFS Bancorp | 31.95 Mn | 25.15 Mn | - | 38.37% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 38.37% |
| Jun 30, 2026 | -5.91% |
| Mar 31, 2026 | 42.59% |
| Dec 31, 2025 | 34.81% |
| Sep 30, 2025 | 33.27% |
| Jun 30, 2025 | 225.73% |
| Mar 31, 2025 | -190.21% |
| Dec 31, 2024 | -5.07% |
| Sep 30, 2024 | 26.54% |
| Jun 30, 2024 | 30.91% |
| Mar 31, 2024 | 29.23% |
| Dec 31, 2023 | 109.40% |
| Sep 30, 2023 | 1.04% |
| Jun 30, 2023 | 20.35% |
| Mar 31, 2023 | 0.72% |
| Dec 31, 2022 | 49.26% |
| Sep 30, 2022 | 47.47% |
API Access
PFS Bancorp FCF 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=fcf-margin&ticker=PFSB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-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=fcf-margin&ticker=PFSB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();