PFS Bancorp Ratios (2022-2025) | PFSB

Ratios Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025
Profitability
Gross Margin 57.61%64.89%76.00%61.70%48.98%65.74%81.58%66.36%56.07%66.96%79.82%63.37%59.48%67.52%
EBT Margin 363.04%358.51%64.00%276.60%253.06%342.59%324.56%312.15%336.45%232.14%139.45%365.35%475.86%456.41%
EBIT Margin -859.78%87.23%2.00%-985.11%-1,014.29%70.37%68.42%-924.30%-937.38%-858.04%-1,284.40%-961.39%-832.76%-882.91%
EBITDA Margin -820.65%125.53%38.00%-945.74%-975.51%105.56%101.75%-886.92%-899.07%-825.00%-1,254.13%-927.72%-804.31%-855.56%
Operating Margin -859.78%87.23%2.00%-985.11%-1,014.29%70.37%68.42%-924.30%-937.38%-858.04%-1,284.40%-961.39%-832.76%-882.91%
Net Margin 293.48%275.53%117.00%226.60%213.27%277.78%193.86%257.94%256.07%216.07%103.67%282.18%377.59%355.56%
FCF Margin 629.79%566.00%9.57%269.39%12.96%1,408.77%387.85%413.08%333.93%-77.06%547.52%328.45%479.49%
Efficiency
Assets Average 193.32M197.70M195.33M197.86M198.43M197.99M201.32M206.46M205.41M
Equity Average 19.95M20.11M27.91M35.70M35.73M36.85M37.20M37.04M37.59M38.03M
Invested Capital 19.76M20.14M20.33M19.89M35.92M35.49M35.98M37.72M36.67M37.41M37.77M38.29M
Asset Utilization Ratio 0.000.000.000.000.000.000.000.000.00
Leverage & Solvency
Equity Ratio 0.120.110.100.190.180.180.190.190.180.180.19
Valuation
Enterprise Value -12.65M-59.42M-56.67M-63.88M-69.13M-70.59M-71.15M-67.24M-69.34M-71.73M-69.37M
Return Ratios
Return on Sales 2.93%2.76%1.17%2.27%2.13%2.78%1.94%2.58%2.56%2.16%1.04%2.82%3.78%3.56%
Return on Invested Capital -0.08%-0.05%-0.04%-0.04%-0.06%-0.10%-0.09%-0.09%-0.09%
Return on Assets 0.00%0.00%0.01%0.01%0.01%0.00%0.00%0.01%0.01%
Return on Equity 0.04%0.03%0.03%0.03%0.03%0.02%0.02%0.03%0.03%