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PFS BancorpPFSB -0.63%32 Net Margin % is 19.24% as of Mar. 2026, which is 5% above its 10-year median of 18.32. 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 1,530 Banks companies, PFS Bancorp ranks worse than 55.29% on this metric.
Net margin is calculated as Net Income divided by its Revenue. PFS Bancorp's Net Income for the
three
months ended in Mar. 2026 was $0.32 Mil. PFS Bancorp's Revenue for the
three
months ended in Mar. 2026 was $1.65 Mil. Therefore, PFS Bancorp's net margin for the quarter that ended in Mar. 2026 was 19.24%.
The historical rank and industry rank for PFS Bancorp's Net Margin % or its related term are showing as below:
PFSB'
s Net Margin % Range Over the Past 10 Years
Min: 15.29 Med: 18.32 Max: 25.43
Current: 25.19
PFSB's Net Margin % is ranked worse than 55.29% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs PFSB: 25.19
PFS Bancorp (OTCPK:PFSB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
PFS Bancorp Net Margin % Related Terms
PFS Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for PFS Bancorp's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PFS Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where PFS Bancorp's Net 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 Net Margin % of 19.24% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PFS Bancorp and its competitors. This is near median its historical median of 18.32. Over the past decade, PFS Bancorp's Net Margin % has ranged from 15.29 to 25.43. According to the industry distribution chart, PFS Bancorp ranks #846 out of 1530 companies in the Banks industry, placing it in the top 55.3%.
Is PFS Bancorp's Net Margin % too high?
PFS Bancorp's current Net Margin % of 19.24% is near median its 10-year median of 18.32. Over the past 10 years, this metric has ranged from a low of 15.29 to a high of 25.43. The Banks industry median Net Margin % is 26.85. PFS Bancorp's value of 19.24% is 28.3% below this industry median. Based on the distribution chart, PFS Bancorp ranks #846 out of 1530 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 Net Margin % compare to VWFB and CNBZ?
According to the Banks industry distribution chart, PFS Bancorp ranks #846 out of 1530 companies for Net Margin %. This places PFS Bancorp in the lower half of its industry. The industry median Net Margin % is 26.85. PFS Bancorp's value of 19.24% is 28.3% below this benchmark. Historically, PFS Bancorp's own Net Margin % has ranged from 15.29 to 25.43 over the past decade. While the company's 10-year median is 18.32 vs. the industry median of 26.85, PFS Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PFS Bancorp's current Net Margin % of 19.24% is 28.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on PFS Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current Net Margin % is 19.24%, which is near median its own 10-year median of 18.32. 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 Net Margin % is 19.24%, which is near median its 10-year median of 18.32 and 28.3% below the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Net Margin % is 19.24% 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:
Net Margin %: 19.24% (near median its 10-year median of 18.32)
GF Value™: $14.08 vs. price of $20.27 (44% above fair value)
Industry Position: 28.3% below the Banks median (#846 of 1530)
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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