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FCF Margin % is calculated as Free Cash Flow divided by its Revenue. PFS Bancorp's Free Cash Flow for the
three
months ended in Jun. 2026 was $-0.10 Mil. PFS Bancorp's Revenue for the
three
months ended in Jun. 2026 was $1.76 Mil. Therefore, PFS Bancorp's FCF Margin % for the quarter that ended in Jun. 2026 was -5.91%.
The historical data trend for PFS Bancorp's FCF Margin % 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.
For the Banks - Regional subindustry, PFS Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PFS Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PFS Bancorp's FCF Margin % falls into.
* 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 FCF Margin % of -5.91% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PFS Bancorp and its competitors. Over the past decade, PFS Bancorp's FCF Margin % has ranged from 19.38 to 44.37. According to the industry distribution chart, PFS Bancorp ranks #774 out of 1496 companies in the Banks industry, placing it in the top 51.7%.
Is PFS Bancorp's FCF Margin % too high?
PFS Bancorp's current FCF Margin % is -5.91%. Over the past 10 years, this metric has ranged from a low of 19.38 to a high of 44.37. Based on the distribution chart, PFS Bancorp ranks #774 out of 1496 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to ELMA and JFWV?
According to the Banks industry distribution chart, PFS Bancorp ranks #774 out of 1496 companies for FCF Margin %. This places PFS Bancorp in the lower half of its industry. The industry median FCF Margin % is 27.15. Historically, PFS Bancorp's own FCF Margin % has ranged from 19.38 to 44.37 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.15, based on 1,496 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PFS Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 27.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current FCF Margin % is -5.91%. 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 $14.12, compared to a current price of $20.95 — trading 48.4% above its estimated fair value. The current FCF Margin % is -5.91%. PFS Bancorp's overall GF Score™ is 32/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current FCF Margin % is -5.91% as of Jun. 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 $20.95 is trading 48.4% above its estimated GF Value™ of $14.12.
GuruFocus considers PFS Bancorp to be Significantly Overvalued.
Key valuation signals for PFSB:
FCF Margin %: -5.91%
GF Value™: $14.12 vs. price of $20.95 (48.4% above fair value)
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
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