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PFS BancorpPFSB 32 Operating Cash Flow per Share is $1.18 as of Jun. 2026. GuruFocus rates PFSB with a GF Score™ of 32/100 and a GF Value™ of $14.14 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,067 Banks companies, PFS Bancorp ranks better than 54.45% on this metric.
PFS Bancorp's operating cash flow per share for the
three
months ended in Jun. 2026 was $-0.07.
PFS Bancorp's operating cash flow per share for the trailing twelve months (TTM) ended in Jun. 2026 was $1.18.
During the past 12 months, the average Operating Cash Flow per Share Growth Rate of PFS Bancorp was 42.30% per year.
During the past 3 years, the average Operating Cash Flow per Share Growth Rate was 2.80% 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 OCF Growth Rate using Operating Cash Flow per Share data.
The historical rank and industry rank for PFS Bancorp's Operating Cash Flow per Share or its related term are showing as below:
PFSB'
s 3-Year OCF Growth Rate Range Over the Past 10 Years
Min: 2.8 Med: 2.8 Max: 2.8
Current: 2.8
During the past 4 years, PFS Bancorp's highest 3-Year average Operating Cash Flow per Share Growth Rate was 2.80% per year. The lowest was 2.80% per year. And the median was 2.80% per year.
PFSB's 3-Year OCF Growth Rate is ranked better than 54.45% of 1067
companies
in the Banks industry
Industry Median: 0.4
vs PFSB: 2.80
PFS Bancorp Operating Cash Flow per Share Related Terms
PFS Bancorp Operating Cash Flow per Share Historical Data
* Premium members only.
The historical data trend for PFS Bancorp's Operating Cash Flow per Share 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.
PFSB vs HVLM, SOUB, AMFC: Operating Cash Flow per Share Comparison
For the Banks - Regional subindustry, PFS Bancorp's Price-to-Operating-Cash-Flow, along with its competitors' market caps and Price-to-Operating-Cash-Flow 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 Price-to-Operating-Cash-Flow vs Banks Industry
For the Banks industry and Financial Services sector, PFS Bancorp's Price-to-Operating-Cash-Flow distribution charts can be found below:
* The bar in red indicates where PFS Bancorp's Price-to-Operating-Cash-Flow falls into.
Operating Cash Flow per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.18
* 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 Operating Cash Flow per Share of $1.18 mean?
PFS Bancorp (PFSB) has a Operating Cash Flow per Share of $1.18 as of Jun. 2026. Operating cash flow per share equals the per-share amount of cash flow from operations. View historical data on PFS Bancorp and its competitors. According to the industry distribution chart, PFS Bancorp ranks #486 out of 1067 companies in the Banks industry, placing it in the top 45.5%.
Is PFS Bancorp's Operating Cash Flow per Share too high?
PFS Bancorp's current Operating Cash Flow per Share is $1.18. The Banks industry median Operating Cash Flow per Share is 0.40. PFS Bancorp's value of $1.18 is 195% above this industry median. Based on the distribution chart, PFS Bancorp ranks #486 out of 1067 companies in the Banks industry, which is above the industry midpoint. 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 Operating Cash Flow per Share compare to HVLM and SOUB?
According to the Banks industry distribution chart, PFS Bancorp ranks #486 out of 1067 companies for Operating Cash Flow per Share. This puts PFS Bancorp in the upper half of its industry. The industry median Operating Cash Flow per Share is 0.40. PFS Bancorp's value of $1.18 is 195% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Operating Cash Flow per Share for a Banks company?
The median Operating Cash Flow per Share among Banks companies is 0.40, based on 1,067 companies in the industry. Companies in the top quartile (top 25%) have a Operating Cash Flow per Share significantly above this median, while those in the bottom quartile fall well below. However, Operating Cash Flow per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PFS Bancorp's current Operating Cash Flow per Share of $1.18 is 195% 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 Operating Cash Flow per Share mean?
A high Operating Cash Flow per Share can signal that a stock is expensive relative to its fundamentals. Operating cash flow per share equals the per-share amount of cash flow from operations. View historical data on PFS Bancorp and its competitors. For the Banks industry, the median Operating Cash Flow per Share is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current Operating Cash Flow per Share is $1.18. 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 $14.14, compared to a current price of $21.00 — trading 48.5% above its estimated fair value. The current Operating Cash Flow per Share is $1.18 and 195% above the Banks industry median of 0.40. 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 Operating Cash Flow per Share calculated?
Operating Cash Flow per Share is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Operating Cash Flow per Share is $1.18 as of Jun. 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 $21.00 is trading 48.5% above its estimated GF Value™ of $14.14.
GuruFocus considers PFS Bancorp to be Significantly Overvalued.
Key valuation signals for PFSB:
Operating Cash Flow per Share: $1.18
GF Value™: $14.14 vs. price of $21.00 (48.5% above fair value)
Industry Position: 195% above the Banks median (#486 of 1067)
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.
32GF Score
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Operating Cash Flow per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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