PFSB (PFS Bancorp) Net Income (Continuing Operations): $1.70 Mil (TTM As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

PFSB PFS Bancorp Inc PFSB
32 GF Score
Price $20.31
GF Value $14.14
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is PFS Bancorp Net Income (Continuing Operations)?

PFS Bancorp PFSB -0.44% 32 Net Income (Continuing Operations) is $1.70 Mil as of Mar. 2026. GuruFocus rates PFSB with a GF Score™ of 32/100 and a GF Value™ of $14.14 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Net Income (Continuing Operations) indicates the net income that a firm brings in from ongoing business activities. These activities are expected to continue into the next reporting period. PFS Bancorp's Net Income (Continuing Operations) for the three months ended in Mar. 2026 was $0.32 Mil. Its Net Income (Continuing Operations) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.70 Mil.

PFS Bancorp  (OTCPK:PFSB) Net Income (Continuing Operations) Explanation

Net Income (Continuing Operations) excludes extraordinary items, income from the cumulative effects of accounting changes, non-recurring items, income from tax loss carry forward, and preferred dividends.

PFS Bancorp Net Income (Continuing Operations) Related Terms

PFS Bancorp Net Income (Continuing Operations) Historical Data

* Premium members only.

The historical data trend for PFS Bancorp's Net Income (Continuing Operations) 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 Net Income (Continuing Operations) Chart

PFS Bancorp Annual Data
Trend Dec22 Dec23 Dec24 Dec25
Net Income (Continuing Operations)
0.83 1.01 0.91 1.67

PFS Bancorp Quarterly Data
Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Income (Continuing Operations) 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 0.29 0.44 0.42 0.53 0.32
PFSB
32GF Score
PFS Bancorp Inc PFSB
Net Income (Continuing Operations) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PFS Bancorp Net Income (Continuing Operations) Calculation

Net Income (Continuing Operations) indicates the net income that a firm brings in from ongoing business activities. These activities are expected to continue into the next reporting period.

Net Income (Continuing Operations) 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 $1.70 Mil.

* 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.

What does a Net Income (Continuing Operations) of $1.70 Mil mean?
PFS Bancorp (PFSB) has a Net Income (Continuing Operations) of $1.70 Mil as of Mar. 2026. Net Income (Continuing operations) is the total net earnings from a company's continuing operations. View historical data on PFS Bancorp and its competitors.
Is PFS Bancorp's Net Income (Continuing Operations) too high?
PFS Bancorp's current Net Income (Continuing Operations) is $1.70 Mil. 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 Net Income (Continuing Operations) compare to VWFB and CNBZ?
PFS Bancorp's Net Income (Continuing Operations) of $1.70 Mil 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 Net Income (Continuing Operations) for a Banks company?
A good Net Income (Continuing Operations) depends on the Banks industry context. However, Net Income (Continuing Operations) 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 Net Income (Continuing Operations) mean?
A high Net Income (Continuing Operations) can signal that a stock is expensive relative to its fundamentals. Net Income (Continuing operations) is the total net earnings from a company's continuing operations. View historical data on PFS Bancorp and its competitors. PFS Bancorp's current Net Income (Continuing Operations) is $1.70 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 $14.14, compared to a current price of $20.31 — trading 43.6% above its estimated fair value. The current Net Income (Continuing Operations) is $1.70 Mil. 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 Net Income (Continuing Operations) calculated?
Net Income (Continuing Operations) is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Net Income (Continuing Operations) is $1.70 Mil 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 $20.31 is trading 43.6% above its estimated GF Value™ of $14.14. GuruFocus considers PFS Bancorp to be Significantly Overvalued.

Key valuation signals for PFSB:

  • Net Income (Continuing Operations): $1.70 Mil
  • GF Value™: $14.14 vs. price of $20.31 (43.6% above fair value)
  • GF Score™: 32/100 with 4 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

Net Income (Continuing Operations) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.31
Price
$14.14
GF Value