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PFS BancorpPFSB -0.63%32 OCF Margin % is 42.59% as of Mar. 2026, which is 24% above its 10-year median of 34.36. 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 1,500 Banks companies, PFS Bancorp ranks better than 57.47% on this metric.
The historical rank and industry rank for PFS Bancorp's OCF Margin % or its related term are showing as below:
PFSB'
s OCF Margin % Range Over the Past 10 Years
Min: 23.09 Med: 34.36 Max: 47.28
Current: 33.59
During the past 4 years, the highest OCF Margin % of PFS Bancorp was 47.28%. The lowest was 23.09%. And the median was 34.36%.
PFSB's OCF Margin % is ranked better than 57.47% of 1500
companies
in the Banks industry
Industry Median: 29.45
vs PFSB: 33.59
PFS Bancorp OCF Margin % Related Terms
PFS Bancorp OCF Margin % Historical Data
* Premium members only.
The historical data trend for PFS Bancorp's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PFS Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where PFS Bancorp's OCF 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 OCF Margin % of 42.59% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on PFS Bancorp and its competitors. This is 24% above median its historical median of 34.36. Over the past decade, PFS Bancorp's OCF Margin % has ranged from 23.09 to 47.28. According to the industry distribution chart, PFS Bancorp ranks #638 out of 1500 companies in the Banks industry, placing it in the top 42.5%.
Is PFS Bancorp's OCF Margin % too high?
PFS Bancorp's current OCF Margin % of 42.59% is 24% above median its 10-year median of 34.36. Over the past 10 years, this metric has ranged from a low of 23.09 to a high of 47.28. The Banks industry median OCF Margin % is 29.45. PFS Bancorp's value of 42.59% is 44.6% above this industry median. Based on the distribution chart, PFS Bancorp ranks #638 out of 1500 companies in the Banks industry, which is above 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 OCF Margin % compare to VWFB and CNBZ?
According to the Banks industry distribution chart, PFS Bancorp ranks #638 out of 1500 companies for OCF Margin %. This puts PFS Bancorp in the upper half of its industry. The industry median OCF Margin % is 29.45. PFS Bancorp's value of 42.59% is 44.6% above this benchmark. Historically, PFS Bancorp's own OCF Margin % has ranged from 23.09 to 47.28 over the past decade. While the company's 10-year median is 34.36 vs. the industry median of 29.45, PFS Bancorp has consistently been above 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.45, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PFS Bancorp's current OCF Margin % of 42.59% is 44.6% above 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on PFS Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current OCF Margin % is 42.59%, which is 24% above median its own 10-year median of 34.36. 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 OCF Margin % is 42.59%, which is 24% above median its 10-year median of 34.36 and 44.6% above the Banks industry median of 29.45. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current OCF Margin % is 42.59% 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:
OCF Margin %: 42.59% (24% above median its 10-year median of 34.36)
GF Value™: $14.08 vs. price of $20.27 (44% above fair value)
Industry Position: 44.6% above the Banks median (#638 of 1500)
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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