PFSB (PFS Bancorp) Ending Cash Position: $22.13 Mil (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
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What is PFS Bancorp Ending Cash Position?

PFS Bancorp PFSB -0.63% 32 Ending Cash Position is $22.13 Mil 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.

PFS Bancorp's Ending Cash Position for the quarter that ended in Mar. 2026 was $22.13 Mil.

PFS Bancorp's quarterly Ending Cash Position increased from Sep. 2025 ($9.14 Mil) to Dec. 2025 ($15.49 Mil) and increased from Dec. 2025 ($15.49 Mil) to Mar. 2026 ($22.13 Mil).

PFS Bancorp's annual Ending Cash Position declined from Dec. 2023 ($20.20 Mil) to Dec. 2024 ($16.26 Mil) and declined from Dec. 2024 ($16.26 Mil) to Dec. 2025 ($15.49 Mil).

PFS Bancorp Ending Cash Position Related Terms

PFS Bancorp Ending Cash Position Historical Data

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The historical data trend for PFS Bancorp's Ending Cash Position 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 Ending Cash Position Chart

PFS Bancorp Annual Data
Trend Dec22 Dec23 Dec24 Dec25
Ending Cash Position
12.65 20.20 16.26 15.49

PFS Bancorp Quarterly Data
Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Ending Cash Position 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 18.80 14.49 9.14 15.49 22.13
PFSB
32GF Score
PFS Bancorp Inc PFSB
Ending Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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PFS Bancorp Ending Cash Position Calculation

Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. It is equal to the Beginning Cash Position plus the Net Change in Cash.

PFS Bancorp's Ending Cash Position for the fiscal year that ended in Dec. 2025 is calculated as

Ending Cash Position= Beginning Cash Position+Net Change in Cash
=16.256+-0.762
=15.49

PFS Bancorp's Ending Cash Position for the quarter that ended in Mar. 2026 is calculated as

Ending Cash Position=Beginning Cash Position+Net Change in Cash
=15.494+6.639
=22.13

Frequently Asked Questions Learn more about Ending Cash Position →
What does a Ending Cash Position of $22.13 Mil mean?
PFS Bancorp (PFSB) has a Ending Cash Position of $22.13 Mil as of Mar. 2026. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on PFS Bancorp and its competitors.
Is PFS Bancorp's Ending Cash Position too high?
PFS Bancorp's current Ending Cash Position is $22.13 Mil. 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 Ending Cash Position compare to VWFB and CNBZ?
PFS Bancorp's Ending Cash Position of $22.13 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Ending Cash Position for a Banks company?
A good Ending Cash Position depends on the Banks industry context. However, Ending Cash Position 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 Ending Cash Position mean?
A high Ending Cash Position can signal that a stock is expensive relative to its fundamentals. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on PFS Bancorp and its competitors. PFS Bancorp's current Ending Cash Position is $22.13 Mil. 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 Ending Cash Position is $22.13 Mil. 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 Ending Cash Position calculated?
Ending Cash Position is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Ending Cash Position is $22.13 Mil 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:

  • Ending Cash Position: $22.13 Mil
  • 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

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Ending Cash Position is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.27
Price
$14.08
GF Value