Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
PFS Bancorp's earnings per share without non-recurring items for the
three
months ended in Mar. 2026 was $0.21.
Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was $1.12.
During the past 12 months, PFS Bancorp's average earnings per share (NRI) Growth Rate was 96.50% per year.
During the past 3 years, the average earnings per share (NRI) Growth Rate was 31.30% per year.
During the past 10 years, the average earnings per share (NRI) Growth Rate was 0.00% 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 Earnings per share without Non-Recurring Items (NRI) data.
The historical rank and industry rank for PFS Bancorp's EPS without NRI or its related term are showing as below:
PFSB'
s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 31.3 Med: 31.3 Max: 31.3
Current: 31.3
During the past 4 years, PFS Bancorp's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 31.30% per year. The lowest was 31.30% per year. And the median was 31.30% per year.
PFSB's 3-Year EPS without NRI Growth Rate is ranked better than 87.44% of 1417
companies
in the Banks industry
Industry Median: 7.3
vs PFSB: 31.30
PFS Bancorp's EPS (Diluted) for the
three
months ended in Mar. 2026 was $0.21.
Its EPS (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 (OTCPK:PFSB) EPS without NRI Explanation
EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.
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 without NRI Related Terms
PFS Bancorp EPS without NRI Historical Data
* Premium members only.
The historical data trend for PFS Bancorp's EPS without NRI 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: EPS without NRI Comparison
For the Banks - Regional subindustry, PFS Bancorp's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 without NRI vs Banks Industry
For the Banks industry and Financial Services sector, PFS Bancorp's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where PFS Bancorp's PE Ratio without NRI falls into.
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.
Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.
EPS without NRI 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.
PFS Bancorp (PFSB) has a EPS without NRI of $1.12 as of Mar. 2026. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on PFS Bancorp and its competitors. According to the industry distribution chart, PFS Bancorp ranks #178 out of 1417 companies in the Banks industry, placing it in the top 12.6%.
Is PFS Bancorp's EPS without NRI too high?
PFS Bancorp's current EPS without NRI is $1.12. The Banks industry median EPS without NRI 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 #178 out of 1417 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 32/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PFS Bancorp's EPS without NRI compare to VWFB and CNBZ?
According to the Banks industry distribution chart, PFS Bancorp ranks #178 out of 1417 companies for EPS without NRI. This places PFS Bancorp in the top 13% of its industry — outperforming the majority of peers. The industry median EPS without NRI 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 EPS without NRI for a Banks company?
The median EPS without NRI among Banks companies is 7.30, based on 1,417 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PFS Bancorp's current EPS without NRI 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 EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on PFS Bancorp and its competitors. For the Banks industry, the median EPS without NRI is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current EPS without NRI 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 without NRI is $1.12 and 84.7% below the Banks industry median of 7.30. 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 without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current EPS without NRI 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 without NRI: $1.12
GF Value™: $14.08 vs. price of $20.27 (44% above fair value)
Industry Position: 84.7% below the Banks median (#178 of 1417)
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.
32GF Score
Get the complete analysis for PFSB
EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PFSB has been successfully added to your 
