PFSB (PFS Bancorp) EPS (Diluted): $1.12 (TTM 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 EPS (Diluted)?

PFS Bancorp PFSB -0.63% 32 EPS (Diluted) is $1.12 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 Earnings per Share (Diluted) for the three months ended in Mar. 2026 was $0.21. Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.12.

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. 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 EPS without NRI Growth Rate using EPS without NRI data.

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) EPS (Diluted) Explanation

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 EPS (Diluted) Related Terms

PFS Bancorp EPS (Diluted) Historical Data

* Premium members only.

The historical data trend for PFS Bancorp's EPS (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.

PFS Bancorp EPS (Diluted) Chart

PFS Bancorp Annual Data
Trend Dec22 Dec23 Dec24 Dec25
EPS (Diluted)
0.48 0.63 0.57 1.09

PFS Bancorp Quarterly Data
Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS (Diluted) 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 0.18 0.28 0.28 0.35 0.21

PFSB vs VWFB, CNBZ, HRBK: EPS (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.


PFSB
32GF Score
PFS Bancorp Inc PFSB
EPS (Diluted) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PFS Bancorp EPS (Diluted) Calculation

EPS (Diluted) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Diluted EPS takes into account all of the outstanding dilutive securities that could potentially be exercised (such as stock options and convertible preferred stock) and shows how such an action would impact earnings per share.

PFS Bancorp's Diluted EPS for the fiscal year that ended in Dec. 2025 is calculated as

Diluted EPS (A: Dec. 2025 ) = (Net Income - Preferred Dividends) / Shares Outstanding (Diluted Average)
=(1.671-0)/1.533
=1.09

PFS Bancorp's Diluted EPS for the quarter that ended in Mar. 2026 is calculated as

Diluted EPS (Q: Mar. 2026 )=(Net Income - Preferred Dividends) / Shares Outstanding (Diluted Average)
=(0.318-0)/1.547
=0.21

EPS (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.

Frequently Asked Questions Learn more about EPS (Diluted) →
What does a EPS (Diluted) of $1.12 mean?
PFS Bancorp (PFSB) has a EPS (Diluted) of $1.12 as of Mar. 2026. Earnings per share (diluted) equals net income divided by the diluted average shares outstanding. View historical data on PFS Bancorp and its competitors.
Is PFS Bancorp's EPS (Diluted) too high?
PFS Bancorp's current EPS (Diluted) is $1.12. 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 EPS (Diluted) compare to VWFB and CNBZ?
PFS Bancorp's EPS (Diluted) of $1.12 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 EPS (Diluted) for a Banks company?
A good EPS (Diluted) depends on the Banks industry context. However, EPS (Diluted) 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 EPS (Diluted) mean?
A high EPS (Diluted) can signal that a stock is expensive relative to its fundamentals. Earnings per share (diluted) equals net income divided by the diluted average shares outstanding. View historical data on PFS Bancorp and its competitors. PFS Bancorp's current EPS (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 $14.08, compared to a current price of $20.27 — trading 44% above its estimated fair value. The current EPS (Diluted) is $1.12. 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 EPS (Diluted) calculated?
EPS (Diluted) is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current EPS (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 $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:

  • EPS (Diluted): $1.12
  • 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

EPS (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.27
Price
$14.08
GF Value