| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 1,139 | 723 |
| Depreciation | 98 | 67 |
| Provision for credit losses | 153 | 113 |
| Amortization of premiums and discounts on debt securities | -16 | -18 |
| Deferred income taxes | -37 | 60 |
| Change in fair value of equity securities | 111 | 26 |
| Net realized (gain) loss on loan sales | 5 | 3 |
| Earnings on cash surrender value of life insurance | 80 | 52 |
| Stock incentive plan expense | 53 | - |
| Esop compensation expense | 45 | 28 |
| Interest receivable | 22 | 45 |
| Other assets | -70 | -38 |
| Interest payable and other liabilities | 193 | 28 |
| Net cash provided by operating activities | 1,512 | 949 |
| Purchases of available-for-sale debt securities | 7,089 | 7,089 |
| Proceeds from maturities of available-for-sale debt securities | 7,302 | 3,989 |
| Proceeds from maturities of held-to-maturity debt securities | 1,769 | 1,272 |
| Net change in loans | 12,824 | 9,368 |
| Purchase of premises and equipment | 17 | 15 |
| Purchase of fhlb stock | 7 | 7 |
| Net cash used in investing activities | -10,866 | -11,218 |
| Net increase (decrease) in demand deposits, money market, now and savings accounts | -1,880 | 4,661 |
| Net increase in certificates of deposit | 5,353 | 4,489 |
| Purchase of treasury stock | 1,232 | 648 |
| Net cash provided by financing activities | 2,241 | 8,502 |
| Increase (decrease) in cash and cash equivalents | -7,113 | -1,767 |
| Cash and cash equivalents at beginning of period | 16,256 | - |
| Cash and cash equivalents at end of period | 9,143 | - |
PFS Bancorp, Inc. (PFSB)
PFS Bancorp, Inc. (PFSB)