PFSB (PFS Bancorp) Gross Loan: $109.81 Mil (As of Mar. 2026)

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PFSB PFS Bancorp Inc PFSB
35 GF Score
Price $19.25
GF Value $14.12
Valuation Significantly Overvalued
! 4 Warning Signs
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What is PFS Bancorp Gross Loan?

PFS Bancorp PFSB -1.58% 35 Gross Loan is $109.81 Mil as of Mar. 2026. GuruFocus rates PFSB with a GF Score™ of 35/100 and a GF Value™ of $14.12 (Significantly Overvalued). The stock has 4 warning signs investors should review.

PFS Bancorp's Gross Loan for the quarter that ended in Mar. 2026 was $109.81 Mil.

PFS Bancorp's quarterly Gross Loan declined from Sep. 2025 ($109.70 Mil) to Dec. 2025 ($109.60 Mil) but then increased from Dec. 2025 ($109.60 Mil) to Mar. 2026 ($109.81 Mil).

PFS Bancorp's annual Gross Loan increased from Dec. 2023 ($91.39 Mil) to Dec. 2024 ($96.91 Mil) and increased from Dec. 2024 ($96.91 Mil) to Dec. 2025 ($109.60 Mil).

PFS Bancorp Gross Loan Related Terms

PFS Bancorp Gross Loan Historical Data

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The historical data trend for PFS Bancorp's Gross Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

PFS Bancorp Gross Loan Chart

PFS Bancorp Annual Data
Trend Dec22 Dec23 Dec24 Dec25
Gross Loan
85.46 91.39 96.91 109.60

PFS Bancorp Quarterly Data
Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Gross Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 100.25 106.25 109.70 109.60 109.81
PFSB
35GF Score
PFS Bancorp Inc PFSB
Gross Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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PFS Bancorp Gross Loan Calculation

Gross Loan represents the sum of all loans (commercial, consumer, mortgage, etc.) as well as leases before any provisions for loan losses or unearned discounts.

Frequently Asked Questions Learn more about Gross Loan →
What does a Gross Loan of $109.81 Mil mean?
PFS Bancorp (PFSB) has a Gross Loan of $109.81 Mil as of Mar. 2026. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on PFS Bancorp and its competitors.
Is PFS Bancorp's Gross Loan too high?
PFS Bancorp's current Gross Loan is $109.81 Mil. Overall, PFS Bancorp has a GF Score™ of 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PFS Bancorp's Gross Loan compare to VWFB and CNBZ?
PFS Bancorp's Gross Loan of $109.81 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Gross Loan for a Banks company?
A good Gross Loan depends on the Banks industry context. However, Gross Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Gross Loan mean?
A high Gross Loan can signal that a stock is expensive relative to its fundamentals. Gross Loan is the sum of all loans as well as leases before any provisions for loan losses or unearned discounts. View historical data on PFS Bancorp and its competitors. PFS Bancorp's current Gross Loan is $109.81 Mil. 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 $14.12, compared to a current price of $19.25 — trading 36.3% above its estimated fair value. The current Gross Loan is $109.81 Mil. PFS Bancorp's overall GF Score™ is 35/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Loan calculated?
Gross Loan is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Gross Loan is $109.81 Mil 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 $19.25 is trading 36.3% above its estimated GF Value™ of $14.12. GuruFocus considers PFS Bancorp to be Significantly Overvalued.

Key valuation signals for PFSB:

  • Gross Loan: $109.81 Mil
  • GF Value™: $14.12 vs. price of $19.25 (36.3% above fair value)
  • GF Score™: 35/100 with 4 warning signs

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 Business Description

Address 1730 Fourth Street, Peru, IL, USA, 61354
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.
35GF Score

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Gross Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.25
Price
$14.12
GF Value