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PFS BancorpPFSB +0.05%36 3-Year Book Growth Rate is 28.90% as of Mar. 2026, which is at its 10-year median of 28.90. GuruFocus rates PFSB with a GF Score™ of 36/100 and a GF Value™ of $14.24 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,497 Banks companies, PFS Bancorp ranks better than 94.39% on this metric.
During the past 12 months, PFS Bancorp's average Book Value per Share Growth Rate was 11.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 28.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 4 years, the highest 3-Year average Book Value per Share Growth Rate of PFS Bancorp was 28.90% per year. The lowest was 28.90% per year. And the median was 28.90% per year.
PFS Bancorp (OTCPK:PFSB) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
PFS Bancorp 3-Year Book Growth Rate Related Terms
PFSB vs ELMA, JFWV, WVFC: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, PFS Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PFS Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, PFS Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where PFS Bancorp's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 28.90% mean?
PFS Bancorp (PFSB) has a 3-Year Book Growth Rate of 28.90% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for PFS Bancorp and its competitors. This is near median its historical median of 28.90. Over the past decade, PFS Bancorp's 3-Year Book Growth Rate has ranged from 28.90 to 28.90. According to the industry distribution chart, PFS Bancorp ranks #84 out of 1497 companies in the Banks industry, placing it in the top 5.6%.
Is PFS Bancorp's 3-Year Book Growth Rate too high?
PFS Bancorp's current 3-Year Book Growth Rate of 28.90% is near median its 10-year median of 28.90. Over the past 10 years, this metric has ranged from a low of 28.90 to a high of 28.90. The Banks industry median 3-Year Book Growth Rate is 8.70. PFS Bancorp's value of 28.90% is 232.2% above this industry median. Based on the distribution chart, PFS Bancorp ranks #84 out of 1497 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PFS Bancorp has a GF Score™ of 36/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PFS Bancorp's 3-Year Book Growth Rate compare to ELMA and JFWV?
According to the Banks industry distribution chart, PFS Bancorp ranks #84 out of 1497 companies for 3-Year Book Growth Rate. This places PFS Bancorp in the top 6% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.70. PFS Bancorp's value of 28.90% is 232.2% above this benchmark. Historically, PFS Bancorp's own 3-Year Book Growth Rate has ranged from 28.90 to 28.90 over the past decade. While the company's 10-year median is 28.90 vs. the industry median of 8.70, PFS Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PFS Bancorp's current 3-Year Book Growth Rate of 28.90% is 232.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for PFS Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current 3-Year Book Growth Rate is 28.90%, which is near median its own 10-year median of 28.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PFS Bancorp stock overvalued right now?
Based on GuruFocus' analysis, PFS Bancorp (PFSB) is currently considered Significantly Overvalued. The stock's GF Value™ is $14.24, compared to a current price of $20.31 — trading 42.6% above its estimated fair value. The current 3-Year Book Growth Rate is 28.90%, which is near median its 10-year median of 28.90 and 232.2% above the Banks industry median of 8.70. PFS Bancorp's overall GF Score™ is 36/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current 3-Year Book Growth Rate is 28.90% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PFS Bancorp (PFSB) Overvalued in 2026?
Based on GuruFocus' analysis, PFS Bancorp stock appears to be overvalued.
The current stock price of $20.31 is trading 42.6% above its estimated GF Value™ of $14.24.
GuruFocus considers PFS Bancorp to be Significantly Overvalued.
Key valuation signals for PFSB:
3-Year Book Growth Rate: 28.90% (near median its 10-year median of 28.90)
GF Value™: $14.24 vs. price of $20.31 (42.6% above fair value)
Industry Position: 232.2% above the Banks median (#84 of 1497)
No single metric tells the full story. See the PFSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PFS Bancorp Inc is a federal chartered mutual savings bank. The Bank is engaged in providing a full range of banking and financial services to individual and corporate customers in northern Illinois, LaSalle County, from its two facilities located in Peru, Illinois. It involves Personal banking, Business banking, Digital Banking, Loans, Retirement Services, Consumer banking services including checking accounts, savings accounts and certificates of deposit and Others.
36GF Score
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