PFS Bancorp Ratios (2022-2025) | PFSB

Ratios Jun2022 Sep2022 Dec2022 Mar2023 Jun2023 Sep2023 Dec2023 Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025 Dec2025
Profitability
Gross Margin (Quarter) -457.14%-33.33%-400.00%-450.00%-700.00%-750.00%-888.89%-16.67%-750.00%66.96%-178.79%-300.00%-571.43%-1,800.00%17.86%
EBT Margin (Quarter) 4,771.43%2,808.33%1,600.00%6,500.00%12,400.00%18,500.00%4,111.11%2,783.33%18,000.00%232.14%460.61%12,300.00%7,885.71%26,700.00%2,221.43%
EBIT Margin (Quarter) -12,514.29%683.33%50.00%-25,050.00%-52,800.00%3,800.00%866.67%-8,850.00%-53,900.00%-858.04%-4,684.85%-34,800.00%-15,357.14%-57,400.00%-4,139.29%
EBITDA Margin (Quarter) -12,000.00%983.33%950.00%-24,125.00%-50,900.00%5,700.00%1,288.89%-8,516.67%-51,850.00%-825.00%-4,584.85%-33,666.67%-14,885.71%-55,800.00%-4,025.00%
Operating Margin (Quarter) -12,514.29%683.33%50.00%-25,050.00%-52,800.00%3,800.00%866.67%-8,850.00%-53,900.00%-858.04%-4,684.85%-34,800.00%-15,357.14%-57,400.00%-4,139.29%
Net Margin (Quarter) 3,857.14%2,158.33%2,975.00%5,325.00%10,450.00%15,000.00%2,455.56%2,300.00%13,700.00%216.07%342.42%9,500.00%6,257.14%20,800.00%1,900.00%
FCF Margin (Quarter) 4,933.33%14,150.00%225.00%13,200.00%700.00%17,844.44%3,458.33%22,100.00%333.93%-254.55%18,433.33%5,442.86%28,050.00%2,214.29%
Efficiency
Assets Average (Quarter) 193.32M197.70M195.33M197.86M198.43M197.99M201.32M206.46M205.41M204.92M
Equity Average (Quarter) 19.54M19.73M20.27M20.36M20.11M27.91M35.90M36.13M37.25M37.40M37.04M37.59M38.03M38.67M
Invested Capital (Quarter) 19.76M19.32M20.14M20.40M20.33M19.89M35.92M35.89M36.38M38.12M36.67M37.41M37.77M38.29M39.05M
Asset Utilization Ratio (Quarter) 0.000.000.000.000.000.000.000.000.000.00
Leverage & Solvency
Equity Ratio (Quarter) 0.120.110.100.190.180.180.190.190.180.180.190.19
Valuation
Enterprise Value (Quarter) -12.65M-59.42M-1.57M-20.20M-69.13M-1.75M-1.71M-7.04M-1.36M-1.40M-0.94M-5.61M
Return Ratios
Return on Sales (Quarter) 38.57%21.58%29.75%53.25%104.50%150.00%24.56%23.00%137.00%2.16%3.42%95.00%62.57%208.00%19.00%
Return on Invested Capital (Quarter) -0.08%-0.09%-0.09%-0.05%-0.04%-0.04%-0.06%-0.10%-0.10%-0.10%-0.10%-0.09%
Return on Assets (Quarter) 0.00%0.00%0.01%0.01%0.01%0.00%0.00%0.01%0.01%0.01%
Return on Equity (Quarter) 0.04%0.04%0.04%0.03%0.03%0.03%0.03%0.02%0.02%0.03%0.03%0.04%