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PFS BancorpPFSB -0.29%32 3-Year FCF Growth Rate is 4.70% as of Jun. 2026, which is at its 10-year median of 4.70. GuruFocus rates PFSB with a GF Score™ of 32/100 and a GF Value™ of $14.18 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,045 Banks companies, PFS Bancorp ranks better than 56.84% on this metric.
During the past 12 months, PFS Bancorp's average Free Cash Flow per Share Growth Rate was 44.10% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 4.70% 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 Free Cash Flow per Share growth rate.
During the past 4 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of PFS Bancorp was 4.70% per year. The lowest was 4.70% per year. And the median was 4.70% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
PFS Bancorp 3-Year FCF Growth Rate Related Terms
PFSB vs HVLM, SOUB, AMFC: 3-Year FCF Growth Rate Comparison
For the Banks - Regional subindustry, PFS Bancorp's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF 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 FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, PFS Bancorp's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where PFS Bancorp's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow 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 Free Cash Flow per Share growth rate.
PFS Bancorp (PFSB) has a 3-Year FCF Growth Rate of 4.70% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for PFS Bancorp and its competitors. This is near median its historical median of 4.70. Over the past decade, PFS Bancorp's 3-Year FCF Growth Rate has ranged from 4.70 to 4.70. According to the industry distribution chart, PFS Bancorp ranks #451 out of 1045 companies in the Banks industry, placing it in the top 43.2%.
Is PFS Bancorp's 3-Year FCF Growth Rate too high?
PFS Bancorp's current 3-Year FCF Growth Rate of 4.70% is near median its 10-year median of 4.70. Over the past 10 years, this metric has ranged from a low of 4.70 to a high of 4.70. The Banks industry median 3-Year FCF Growth Rate is 0.40. PFS Bancorp's value of 4.70% is 1075% above this industry median. Based on the distribution chart, PFS Bancorp ranks #451 out of 1045 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 3-Year FCF Growth Rate compare to HVLM and SOUB?
According to the Banks industry distribution chart, PFS Bancorp ranks #451 out of 1045 companies for 3-Year FCF Growth Rate. This puts PFS Bancorp in the upper half of its industry. The industry median 3-Year FCF Growth Rate is 0.40. PFS Bancorp's value of 4.70% is 1075% above this benchmark. Historically, PFS Bancorp's own 3-Year FCF Growth Rate has ranged from 4.70 to 4.70 over the past decade. While the company's 10-year median is 4.70 vs. the industry median of 0.40, 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 FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.40, based on 1,045 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF 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 FCF Growth Rate of 4.70% is 1075% 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 FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for PFS Bancorp and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current 3-Year FCF Growth Rate is 4.70%, which is near median its own 10-year median of 4.70. 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 $14.18, compared to a current price of $21.28 — trading 50.1% above its estimated fair value. The current 3-Year FCF Growth Rate is 4.70%, which is near median its 10-year median of 4.70 and 1075% 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 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current 3-Year FCF Growth Rate is 4.70% 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 $21.28 is trading 50.1% above its estimated GF Value™ of $14.18.
GuruFocus considers PFS Bancorp to be Significantly Overvalued.
Key valuation signals for PFSB:
3-Year FCF Growth Rate: 4.70% (near median its 10-year median of 4.70)
GF Value™: $14.18 vs. price of $21.28 (50.1% above fair value)
Industry Position: 1075% above the Banks median (#451 of 1045)
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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