For the quarter ending 2025-09-30, PFSB made $3,627,000 in revenue. $416,000 in net income. Net profit margin of 11.47%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 |
|---|---|---|---|---|
| Loans, including fees | 1,501,000 | 1,417,000 | 1,317,000 | 1,198,500 |
| Taxable | 444,000 | 449,000 | 415,000 | 379,000 |
| Tax-exempt | 133,000 | 134,000 | 134,000 | 137,000 |
| Dividends | 4,000 | 4,000 | 7,000 | 5,500 |
| Other | 176,000 | 254,000 | 248,000 | 280,500 |
| Total interest and dividend income | 2,258,000 | 2,258,000 | 2,121,000 | 2,000,500 |
| Deposits | 829,000 | 813,000 | 813,000 | 729,000 |
| Net interest income | 1,429,000 | 1,445,000 | 1,308,000 | 1,271,500 |
| Provision for credit losses | 40,000 | 57,000 | 56,000 | 22,500 |
| Revenue-Commission Income | - | 7,000 | - | - |
| Net interest income after provision for credit losses | 1,389,000 | 1,388,000 | 1,252,000 | 1,249,000 |
| Revenue-Gains Losses On Sales Of Foreclosed Assets | - | 2,000 | - | - |
| Revenue-Commission Income | 8,000 | - | - | - |
| Revenue-Customer Service Fees | 117,000 | 116,000 | - | - |
| Revenue-Gains Losses On Sales Of Foreclosed Assets | 2,000 | - | - | - |
| Loan servicing fees | 14,000 | 15,000 | 15,000 | 16,500 |
| Revenue | - | - | 106,000 | 121,500 |
| Net realized gain on loan sales | - | - | - | 1,750 |
| Other | 116,000 | 59,000 | 31,000 | 128,000 |
| Total noninterest income | 257,000 | 199,000 | 152,000 | 267,500 |
| Salaries and employee benefits | 639,000 | 562,000 | 555,000 | 605,000 |
| Occupancy | 72,000 | 73,000 | 89,000 | 74,500 |
| Depreciation | 32,000 | 33,000 | 34,000 | 36,500 |
| Data processing | 104,000 | 106,000 | 146,000 | 126,000 |
| Professional fees | 125,000 | 111,000 | 88,000 | 90,500 |
| Marketing | 38,000 | 47,000 | 37,000 | 29,000 |
| Printing and office supplies | 15,000 | 29,000 | 12,000 | 15,500 |
| Deposit insurance premiums | 55,000 | 40,000 | 40,000 | 39,500 |
| Other | 32,000 | 34,000 | 34,000 | 256,500 |
| Total noninterest expense | 1,112,000 | 1,035,000 | 1,035,000 | 1,273,000 |
| Income before income taxes | 534,000 | 552,000 | 369,000 | 243,500 |
| Provision for income taxes | 118,000 | 114,000 | 84,000 | 49,000 |
| Net income | 416,000 | 438,000 | 285,000 | 194,500 |
| Earnings per share, basic | 0.28 | 0.28 | 0.18 | 0.115 |
| Earnings per share, diluted | 0.28 | 0.28 | 0.18 | 0.115 |
| Weighted average number of shares outstanding, basic | 1,509,672 | 1,553,758 | 1,583,514 | -758,007.5 |
| Weighted average number of shares outstanding, diluted | 1,509,672 | 1,553,758 | 1,583,514 | -758,007.5 |
PFS Bancorp, Inc. (PFSB)
PFS Bancorp, Inc. (PFSB)