PFSB (PFS Bancorp) Cash Flow for Lease Financing: $0.00 Mil (TTM As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PFSB PFS Bancorp Inc PFSB
32 GF Score
Price $22.51
GF Value $14.23
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is PFS Bancorp Cash Flow for Lease Financing?

PFS Bancorp PFSB 32 Cash Flow for Lease Financing is $0.00 Mil as of Dec. 2025. GuruFocus rates PFSB with a GF Score™ of 32/100 and a GF Value™ of $14.23 (Significantly Overvalued). The stock has 4 warning signs investors should review.

PFS Bancorp's Cash Flow for Lease Financing for the three months ended in Dec. 2025 was $0.00 Mil. PFS Bancorp's Cash Flow for Lease Financing for the trailing twelve months (TTM) ended in Dec. 2025 was $0.00 Mil.

Compared with last quarter ($0.00 Mil in Sep. 2025 ), PFS Bancorp's Cash Flow for Lease Financing remained the same in Dec. 2025 ($0.00 Mil).

PFS Bancorp Cash Flow for Lease Financing Historical Data

* Premium members only.

The historical data trend for PFS Bancorp's Cash Flow for Lease Financing 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 Cash Flow for Lease Financing Chart

PFS Bancorp Annual Data
Trend Dec23 Dec24 Dec25
Cash Flow for Lease Financing
0.00 0.00 0.00

PFS Bancorp Quarterly Data
Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Cash Flow for Lease Financing Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 0.00
PFSB
32GF Score
PFS Bancorp Inc PFSB
Cash Flow for Lease Financing is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PFS Bancorp Cash Flow for Lease Financing Calculation

Cash Flow for Lease Financing is change in cash flow resulting from increase or decrease in lease financing.


Cash Flow for Lease Financing for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00 Mil.

* 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.

What does a Cash Flow for Lease Financing of $0.00 Mil mean?
PFS Bancorp (PFSB) has a Cash Flow for Lease Financing of $0.00 Mil as of Dec. 2025. Cash Flow for Lease Financing is change in cash flow resulting from increase or decrease in lease financing. View historical data on PFS Bancorp and its competitors.
Is PFS Bancorp's Cash Flow for Lease Financing too high?
PFS Bancorp's current Cash Flow for Lease Financing is $0.00 Mil. Overall, PFS Bancorp has a GF Score™ of 32/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PFS Bancorp's Cash Flow for Lease Financing compare to HVLM and SOUB?
PFS Bancorp's Cash Flow for Lease Financing of $0.00 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 Cash Flow for Lease Financing for a Banks company?
A good Cash Flow for Lease Financing depends on the Banks industry context. However, Cash Flow for Lease Financing 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 Cash Flow for Lease Financing mean?
A high Cash Flow for Lease Financing can signal that a stock is expensive relative to its fundamentals. Cash Flow for Lease Financing is change in cash flow resulting from increase or decrease in lease financing. View historical data on PFS Bancorp and its competitors. PFS Bancorp's current Cash Flow for Lease Financing is $0.00 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 $14.23, compared to a current price of $22.51 — trading 58.2% above its estimated fair value. The current Cash Flow for Lease Financing is $0.00 Mil. PFS Bancorp's overall GF Score™ is 32/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Flow for Lease Financing calculated?
Cash Flow for Lease Financing is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Cash Flow for Lease Financing is $0.00 Mil as of Dec. 2025. 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 $22.51 is trading 58.2% above its estimated GF Value™ of $14.23. GuruFocus considers PFS Bancorp to be Significantly Overvalued.

Key valuation signals for PFSB:

  • Cash Flow for Lease Financing: $0.00 Mil
  • GF Value™: $14.23 vs. price of $22.51 (58.2% above fair value)
  • GF Score™: 32/100 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.
32GF Score

Get the complete analysis for PFSB

Cash Flow for Lease Financing is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$22.51
Price
$14.23
GF Value