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PFS BancorpPFSB -0.46%35 Earnings per Share (Diluted) is $1.12 as of Mar. 2026. GuruFocus rates PFSB with a GF Score™ of 35/100 and a GF Value™ of $14.11 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,413 Banks companies, PFS Bancorp ranks better than 87.33% on this metric.
PFS Bancorp's EPS (Basic) for the
three
months ended in Mar. 2026 was $0.21.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.13.
PFS Bancorp's EPS without NRI for the
three
months ended in Mar. 2026 was $0.21.
Its EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $1.12.
During the past 12 months, PFS Bancorp's average EPS without NRIGrowth Rate was 96.50% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 31.30% per year.
During the past 4 years, PFS Bancorp's highest 3-Year average EPS without NRI Growth Rate was 31.30% per year. The lowest was 31.30% per year. And the median was 31.30% per year.
PFS Bancorp (OTCPK:PFSB) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
PFS Bancorp Earnings per Share (Diluted) Related Terms
PFS Bancorp Earnings per Share (Diluted) Historical Data
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The historical data trend for PFS Bancorp's Earnings per Share (Diluted) 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 VWFB, CNBZ, HRBK: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, PFS Bancorp's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PFS Bancorp's PE Ratio distribution charts can be found below:
* The bar in red indicates where PFS Bancorp's PE Ratio falls into.
PFS Bancorp Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
PFS Bancorp's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.12
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $1.12 mean?
PFS Bancorp (PFSB) has a Earnings per Share (Diluted) of $1.12 as of Mar. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on PFS Bancorp and its competitors. According to the industry distribution chart, PFS Bancorp ranks #179 out of 1413 companies in the Banks industry, placing it in the top 12.7%.
Is PFS Bancorp's Earnings per Share (Diluted) too high?
PFS Bancorp's current Earnings per Share (Diluted) is $1.12. The Banks industry median Earnings per Share (Diluted) is 7.30. PFS Bancorp's value of $1.12 is 84.7% below this industry median. Based on the distribution chart, PFS Bancorp ranks #179 out of 1413 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 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PFS Bancorp's Earnings per Share (Diluted) compare to VWFB and CNBZ?
According to the Banks industry distribution chart, PFS Bancorp ranks #179 out of 1413 companies for Earnings per Share (Diluted). This places PFS Bancorp in the top 13% of its industry — outperforming the majority of peers. The industry median Earnings per Share (Diluted) is 7.30. PFS Bancorp's value of $1.12 is 84.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.30, based on 1,413 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PFS Bancorp's current Earnings per Share (Diluted) of $1.12 is 84.7% below 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on PFS Bancorp and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current Earnings per Share (Diluted) is $1.12. 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 $14.11, compared to a current price of $19.56 — trading 38.6% above its estimated fair value. The current Earnings per Share (Diluted) is $1.12 and 84.7% below the Banks industry median of 7.30. PFS Bancorp's overall GF Score™ is 35/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Earnings per Share (Diluted) is $1.12 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 $19.56 is trading 38.6% above its estimated GF Value™ of $14.11.
GuruFocus considers PFS Bancorp to be Significantly Overvalued.
Key valuation signals for PFSB:
Earnings per Share (Diluted): $1.12
GF Value™: $14.11 vs. price of $19.56 (38.6% above fair value)
Industry Position: 84.7% below the Banks median (#179 of 1413)
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.
35GF Score
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