PFS Bancorp (PFSB) Provision for Losses (2022 - 2026)
PFS Bancorp's Provision for Losses came in at $39,000 for Q3 2026, down 2.5% from $40,000 a year earlier but up 56.0% from the prior quarter.
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Analysis
PFS Bancorp (PFSB) Provision for Losses (2022 - 2026) Analysis & Trends
Over the trailing twelve months to Sep 30, 2026, PFS Bancorp reported Provision for Losses of $74,000, down 57.0% year-over-year; for FY2025, it was $148,000, down 10.3% from FY2024.
- Provision for Losses carries a three-year compound annual growth rate of 34.4% (FY2022 to FY2025).
- Going back by year, Provision for Losses was $165,000 in FY2024 (+66.7%), $99,000 in FY2023 (+62.3%) and $61,000 in FY2022.
- The five-year range for quarterly Provision for Losses is -$31,000 (Q2 2022) to $113,000 (Q3 2024).
- Year-over-year, Provision for Losses has declined for three consecutive quarters, with growth averaging 93.1% over the last seven quarters.
- The fastest year-over-year change in Provision for Losses over five years came in Q2 2025 (growth of 714.3%), and the weakest in Q1 2026 (a decline of 73.2%).
- Business Quant data shows PFSB's Provision for Losses at $25,000 (Q2 2026), $15,000 (Q1 2026) and -$5,000 (Q4 2025) in the three quarters before Q3 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provision for Losses (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | 2.74 Bn |
| 2 | Banco Santander Chile | 407.42 Bn | -7,109.68 Bn | - | - |
| 3 | Bank Of America | 353.20 Bn | -2,022.91 Bn | - | 1.30 Bn |
| 4 | Hsbc Holdings | 307.88 Bn | -2,967.28 Bn | - | - |
| 5 | Morgan Stanley | 298.41 Bn | -244.41 Bn | - | - |
| 6 | Royal Bank Of Canada | 283.46 Bn | -546.54 Bn | - | 717.20 Mn |
| 7 | Goldman Sachs | 264.45 Bn | -3,478.99 Bn | - | 368.00 Mn |
| 8 | Mitsubishi Ufj Financial | 259.19 Bn | -159.36 Bn | 5.24 Bn | - |
| 9 | Wells Fargo & Company | 258.28 Bn | 93.72 Bn | - | 1.03 Bn |
| 10 | PFS Bancorp | 31.95 Mn | 25.15 Mn | - | 39,000.00 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 39,000.00 |
| Jun 30, 2026 | 25,000.00 |
| Mar 31, 2026 | 15,000.00 |
| Dec 31, 2025 | -5,000.00 |
| Sep 30, 2025 | 40,000.00 |
| Jun 30, 2025 | 57,000.00 |
| Mar 31, 2025 | 56,000.00 |
| Dec 31, 2024 | 19,000.00 |
| Sep 30, 2024 | 113,000.00 |
| Jun 30, 2024 | 7,000.00 |
| Mar 31, 2024 | 26,000.00 |
| Dec 31, 2023 | 16,000.00 |
| Sep 30, 2023 | 71,000.00 |
| Jun 30, 2023 | 7,000.00 |
| Mar 31, 2023 | 5,000.00 |
| Dec 31, 2022 | -10,000.00 |
| Sep 30, 2022 | 65,000.00 |
| Jun 30, 2022 | -31,000.00 |
API Access
PFS Bancorp Provision for Losses 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=provision-for-losses&ticker=PFSB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "provision-for-losses", "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=provision-for-losses&ticker=PFSB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();