PFSB (PFS Bancorp) Debt-to-Equity: 0.00 (As of Mar. 2026)

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PFSB PFS Bancorp Inc PFSB
32 GF Score
Price $20.27
GF Value $14.08
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is PFS Bancorp Debt-to-Equity?

PFS Bancorp PFSB -0.63% 32 Debt-to-Equity is 0.00 as of Mar. 2026. GuruFocus rates PFSB with a GF Score™ of 32/100 and a GF Value™ of $14.08 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,423 Banks companies, PFS Bancorp ranks worse than 70274% on this metric.

PFS Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $0.00 Mil. PFS Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $0.00 Mil. PFS Bancorp's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $38.97 Mil. PFS Bancorp's debt to equity for the quarter that ended in Mar. 2026 was 0.00.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for PFS Bancorp's Debt-to-Equity or its related term are showing as below:

PFSB's Debt-to-Equity is not ranked *
in the Banks industry.
Industry Median: 0.56
* Ranked among companies with meaningful Debt-to-Equity only.

PFS Bancorp  (OTCPK:PFSB) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

PFS Bancorp Debt-to-Equity Related Terms

PFS Bancorp Debt-to-Equity Historical Data

* Premium members only.

The historical data trend for PFS Bancorp's Debt-to-Equity 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 Debt-to-Equity Chart

PFS Bancorp Annual Data
Trend Dec22 Dec23 Dec24 Dec25
Debt-to-Equity
0.00 0.00 0.00 0.00

PFS Bancorp Quarterly Data
Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Debt-to-Equity 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 0.00 0.00 0.00 0.00 0.00

PFSB vs VWFB, CNBZ, HRBK: Debt-to-Equity Comparison

For the Banks - Regional subindustry, PFS Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry

For the Banks industry and Financial Services sector, PFS Bancorp's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where PFS Bancorp's Debt-to-Equity falls into.


PFSB
32GF Score
PFS Bancorp Inc PFSB
Debt-to-Equity is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PFS Bancorp Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

PFS Bancorp's Debt to Equity Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 0) / 39.053
=0.00

PFS Bancorp's Debt to Equity Ratio for the quarter that ended in Mar. 2026 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(0 + 0) / 38.974
=0.00

* 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.

Frequently Asked Questions Learn more about Debt-to-Equity →
What does a Debt-to-Equity of 0.00 mean?
PFS Bancorp (PFSB) has a Debt-to-Equity of 0.00 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PFS Bancorp and its competitors. According to the industry distribution chart, PFS Bancorp ranks #999999 out of 1423 companies in the Banks industry.
Is PFS Bancorp's Debt-to-Equity too high?
PFS Bancorp's current Debt-to-Equity is 0.00. Based on the distribution chart, PFS Bancorp ranks #999999 out of 1423 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Debt-to-Equity compare to VWFB and CNBZ?
According to the Banks industry distribution chart, PFS Bancorp ranks #999999 out of 1423 companies for Debt-to-Equity. This places PFS Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.56. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on PFS Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current Debt-to-Equity is 0.00. 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 $14.08, compared to a current price of $20.27 — trading 44% above its estimated fair value. The current Debt-to-Equity is 0.00. PFS Bancorp's overall GF Score™ is 32/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Debt-to-Equity is 0.00 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 $20.27 is trading 44% above its estimated GF Value™ of $14.08. GuruFocus considers PFS Bancorp to be Significantly Overvalued.

Key valuation signals for PFSB:

  • Debt-to-Equity: 0.00
  • GF Value™: $14.08 vs. price of $20.27 (44% above fair value)
  • GF Score™: 32/100 with 3 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

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

$20.27
Price
$14.08
GF Value