PFS Bancorp, Inc.
PFSB
Other OTC18.94
USD
+0.26
- -
PFS Bancorp, Inc.
PFSB
(Other OTC)
Recent
price
18.94
P/E
ratio
- -
div
yld
- -
ROIC.AI
Capital Structure
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in mil. unless spec.Working Capital
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in mil. unless spec.Growth Rates
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in mil. unless spec.Quarterly Revenue
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in mil. unless spec.Quarterly Earnings Per Share
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in mil. unless spec.Quarterly Dividends Per Share
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in mil. unless spec.- Similar Companies
- Business
- PFS Bancorp, Inc. operates as a bank holding company for Peru Federal Savings Bank, a federally chartered mutual savings bank founded in 1887 and headquartered in Peru, Illinois. The company provides a comprehensive range of banking and financial products and services to individual and corporate customers primarily in the United States. Its core offerings include checking accounts; savings accounts; individual retirement accounts; certificates of deposit; non-interest-bearing demand deposits; interest-bearing demand deposits; money market accounts; and time deposits. The company extends various loan products such as one- to four-family residential mortgage loans, multi-family real estate loans, commercial real estate loans, agricultural real estate loans, construction and land development loans, commercial loans, home equity loans and lines of credit, and consumer loans. Additionally, it provides electronic banking services comprising mobile banking, online banking, bill pay, and electronic funds transfer services via Zelle. PFS Bancorp also invests in securities and offers related financial services like stocks, bonds, mutual funds, and insurance products. Recent major operational developments include the authorization of an additional stock repurchase program in December 2025 for up to 155,693 shares, expanding its capacity to buy back shares and manage shareholder value. This build on an ongoing repurchase initiative that started in late 2024, reflecting a strategic focus on capital management. No new acquisitions, partnerships, or business expansions have been noted within the last one to two years, but the company continues to enhance its financial service offerings and digitally enabled products to support its customer base. PFS Bancorp operates in the regional banking industry, targeting individual and corporate customers in the U.S., with a particular emphasis on real estate financing and deposit services. Its business segments include retail banking, mortgage lending, commercial lending, and wealth management products delivered through its mutual savings bank subsidiary, Peru Federal Savings Bank. The firm remains a privately held entity operating under federal regulation with key leadership aiming to sustain growth through conservative lending practices and customer-centric digital service enhancements.