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PFS BancorpPFSB +0.30%36 3-Year EPS without NRI Growth Rate is 31.30% as of Mar. 2026, which is at its 10-year median of 31.30. GuruFocus rates PFSB with a GF Score™ of 36/100 and a GF Value™ of $14.21 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,412 Banks companies, PFS Bancorp ranks better than 87.39% on this metric.
During the past 12 months, PFS Bancorp's average EPS without NRI Growth Rate was 96.50% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 31.30% 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 EPS without NRI growth rate.
During the past 4 years, the highest 3-Year average EPS without NRI Growth Rate of PFS Bancorp was 31.30% per year. The lowest was 31.30% per year. And the median was 31.30% per year.
PFS Bancorp (OTCPK:PFSB) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
PFS Bancorp 3-Year EPS without NRI Growth Rate Related Terms
PFSB vs ELMA, JFWV, WVFC: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, PFS Bancorp's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, PFS Bancorp's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where PFS Bancorp's 3-Year EPS without NRI Growth Rate falls into.
PFS Bancorp 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 31.30% mean?
PFS Bancorp (PFSB) has a 3-Year EPS without NRI Growth Rate of 31.30% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for PFS Bancorp and its competitors. This is near median its historical median of 31.30. Over the past decade, PFS Bancorp's 3-Year EPS without NRI Growth Rate has ranged from 31.30 to 31.30. According to the industry distribution chart, PFS Bancorp ranks #178 out of 1412 companies in the Banks industry, placing it in the top 12.6%.
Is PFS Bancorp's 3-Year EPS without NRI Growth Rate too high?
PFS Bancorp's current 3-Year EPS without NRI Growth Rate of 31.30% is near median its 10-year median of 31.30. Over the past 10 years, this metric has ranged from a low of 31.30 to a high of 31.30. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.30. PFS Bancorp's value of 31.30% is 328.8% above this industry median. Based on the distribution chart, PFS Bancorp ranks #178 out of 1412 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PFS Bancorp has a GF Score™ of 36/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PFS Bancorp's 3-Year EPS without NRI Growth Rate compare to ELMA and JFWV?
According to the Banks industry distribution chart, PFS Bancorp ranks #178 out of 1412 companies for 3-Year EPS without NRI Growth Rate. This places PFS Bancorp in the top 13% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 7.30. PFS Bancorp's value of 31.30% is 328.8% above this benchmark. Historically, PFS Bancorp's own 3-Year EPS without NRI Growth Rate has ranged from 31.30 to 31.30 over the past decade. While the company's 10-year median is 31.30 vs. the industry median of 7.30, 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 EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.30, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 31.30% is 328.8% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for PFS Bancorp and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current 3-Year EPS without NRI Growth Rate is 31.30%, which is near median its own 10-year median of 31.30. 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 $14.21, compared to a current price of $20.30 — trading 42.9% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 31.30%, which is near median its 10-year median of 31.30 and 328.8% above the Banks industry median of 7.30. PFS Bancorp's overall GF Score™ is 36/100 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current 3-Year EPS without NRI Growth Rate is 31.30% 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 $20.30 is trading 42.9% above its estimated GF Value™ of $14.21.
GuruFocus considers PFS Bancorp to be Significantly Overvalued.
Key valuation signals for PFSB:
3-Year EPS without NRI Growth Rate: 31.30% (near median its 10-year median of 31.30)
GF Value™: $14.21 vs. price of $20.30 (42.9% above fair value)
Industry Position: 328.8% above the Banks median (#178 of 1412)
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.
36GF Score
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