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PFS BancorpPFSB -0.63%32 Market Cap is $31.41 Mil as of Jul. 15, 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. Among 1,547 Banks companies, PFS Bancorp ranks worse than 93.73% on this metric.
Market cap is the total market value to buy the whole company. It is equal to the share price times the number of Shares Outstanding (EOP). PFS Bancorp's share price for the quarter that ended in Mar. 2026 was $16.38. PFS Bancorp's Shares Outstanding (EOP) for the quarter that ended in Mar. 2026 was 1.55 Mil. Therefore, PFS Bancorp's market cap for the quarter that ended in Mar. 2026 was $25.37 Mil.
PFS Bancorp's quarterly market cap
increased
from Sep. 2025 ($19.93 Mil) to Dec. 2025 ($24.37 Mil) and
increased
from Dec. 2025 ($24.37 Mil) to Mar. 2026 ($25.37 Mil).
PFS Bancorp's annual market cap
increased
from Dec. 2023 ($15.92 Mil) to Dec. 2024 ($18.64 Mil) and
increased
from Dec. 2024 ($18.64 Mil) to Dec. 2025 ($24.37 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. PFS Bancorp's Enterprise Value for Today is $9.27 Mil.
PFS Bancorp (OTCPK:PFSB) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
PFS Bancorp Market Cap Related Terms
PFS Bancorp Market Cap Historical Data
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The historical data trend for PFS Bancorp's Market Cap 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 Market Cap, along with its competitors' market caps and Market Cap 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 Market Cap vs Banks Industry
For the Banks industry and Financial Services sector, PFS Bancorp's Market Cap distribution charts can be found below:
* The bar in red indicates where PFS Bancorp's Market Cap falls into.
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
PFS Bancorp's Market Cap for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Market Cap of $31.41 Mil as of Jul. 15, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on PFS Bancorp and its competitors. According to the industry distribution chart, PFS Bancorp ranks #1450 out of 1547 companies in the Banks industry, placing it in the top 93.7%.
Is PFS Bancorp's Market Cap too high?
PFS Bancorp's current Market Cap is $31.41 Mil. The Banks industry median Market Cap is 705.75. PFS Bancorp's value of $31.41 Mil is 95.5% below this industry median. Based on the distribution chart, PFS Bancorp ranks #1450 out of 1547 companies in the Banks industry, which is in the bottom quartile 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 Market Cap compare to VWFB and CNBZ?
According to the Banks industry distribution chart, PFS Bancorp ranks #1450 out of 1547 companies for Market Cap. This places PFS Bancorp in the lower half of its industry. The industry median Market Cap is 705.75. PFS Bancorp's value of $31.41 Mil is 95.5% 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 Market Cap for a Banks company?
The median Market Cap among Banks companies is 705.75, based on 1,547 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PFS Bancorp's current Market Cap of $31.41 Mil is 95.5% 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 Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on PFS Bancorp and its competitors. For the Banks industry, the median Market Cap is 705.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current Market Cap is $31.41 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 Market Cap is $31.41 Mil and 95.5% below the Banks industry median of 705.75. 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 Market Cap calculated?
Market Cap is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Market Cap is $31.41 Mil as of Jul. 15, 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:
Market Cap: $31.41 Mil
GF Value™: $14.08 vs. price of $20.27 (44% above fair value)
Industry Position: 95.5% below the Banks median (#1450 of 1547)
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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