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PFS BancorpPFSB 35 Intrinsic Value: Projected FCF is $0.00 as of Aug. 14, 2026. GuruFocus rates PFSB with a GF Score™ of 35/100 and a GF Value™ of $14.26 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,295 Banks companies, PFS Bancorp ranks worse than 77220% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-14), PFS Bancorp's Intrinsic Value: Projected FCF is $0.00. The stock price of PFS Bancorp is $20.36. Therefore, PFS Bancorp's Price-to-Intrinsic-Value-Projected-FCF of today is 0.0.
The historical rank and industry rank for PFS Bancorp's Intrinsic Value: Projected FCF or its related term are showing as below:
PFSB's Price-to-Projected-FCF is not ranked *
in the Banks industry.
Industry Median: 0.59 * Ranked among companies with meaningful Price-to-Projected-FCF only.
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
PFS Bancorp's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
20.36
/
=
* 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 Intrinsic Value: Projected FCF Related Terms
PFS Bancorp Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for PFS Bancorp's Intrinsic Value: Projected FCF 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 ELMA, JFWV, WVFC: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, PFS Bancorp's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, PFS Bancorp's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where PFS Bancorp's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
What does a Intrinsic Value: Projected FCF of $0.00 mean?
PFS Bancorp (PFSB) has a Intrinsic Value: Projected FCF of $0.00 as of Aug. 14, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on PFS Bancorp and its competitors. According to the industry distribution chart, PFS Bancorp ranks #999999 out of 1295 companies in the Banks industry.
Is PFS Bancorp's Intrinsic Value: Projected FCF too high?
PFS Bancorp's current Intrinsic Value: Projected FCF is $0.00. Based on the distribution chart, PFS Bancorp ranks #999999 out of 1295 companies in the Banks industry, which is in the bottom quartile 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 Intrinsic Value: Projected FCF compare to ELMA and JFWV?
According to the Banks industry distribution chart, PFS Bancorp ranks #999999 out of 1295 companies for Intrinsic Value: Projected FCF. This places PFS Bancorp in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,295 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on PFS Bancorp and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current Intrinsic Value: Projected FCF is $0.00. 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 $14.26, compared to a current price of $20.36 — trading 42.8% above its estimated fair value. The current Intrinsic Value: Projected FCF is $0.00. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Intrinsic Value: Projected FCF is $0.00 as of Aug. 14, 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 $20.36 is trading 42.8% above its estimated GF Value™ of $14.26.
GuruFocus considers PFS Bancorp to be Significantly Overvalued.
Key valuation signals for PFSB:
Intrinsic Value: Projected FCF: $0.00
GF Value™: $14.26 vs. price of $20.36 (42.8% 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.
35GF Score
Get the complete analysis for PFSB
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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