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PFS BancorpPFSB -0.63%32 PB Ratio is 0.81 as of Jul. 15, 2026, which is 65% above its 10-year median of 0.49. 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 1,520 Banks companies, PFS Bancorp ranks better than 73.95% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-15), PFS Bancorp's share price is $20.2708. PFS Bancorp's Book Value per Share for the quarter that ended in Mar. 2026 was $25.16. Hence, PFS Bancorp's PB Ratio of today is 0.81.
Warning Sign:
PFS Bancorp Inc stock PB Ratio (=0.76) is close to 3-year high of 0.82.
The historical rank and industry rank for PFS Bancorp's PB Ratio or its related term are showing as below:
PFSB'
s PB Ratio Range Over the Past 10 Years
Min: 0.41 Med: 0.49 Max: 0.82
Current: 0.81
During the past 4 years, PFS Bancorp's highest PB Ratio was 0.82. The lowest was 0.41. And the median was 0.49.
PFSB's PB Ratio is ranked better than 73.95% of 1520
companies
in the Banks industry
Industry Median: 1.11
vs PFSB: 0.81
During the past 12 months, PFS Bancorp's average Book Value Per Share Growth Rate was 11.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 28.90% per year.
During the past 4 years, the highest 3-Year average Book Value Per Share Growth Rate of PFS Bancorp was 28.90% per year. The lowest was 28.90% per year. And the median was 28.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
PFS Bancorp PB Ratio Related Terms
PFS Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for PFS Bancorp's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, PFS Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where PFS Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
PFS Bancorp's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
PFS Bancorp (PFSB) has a PB Ratio of 0.81 as of Jul. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PFS Bancorp and its competitors. This is 65% above median its historical median of 0.49. Over the past decade, PFS Bancorp's PB Ratio has ranged from 0.41 to 0.82. According to the industry distribution chart, PFS Bancorp ranks #396 out of 1520 companies in the Banks industry, placing it in the top 26.1%.
Is PFS Bancorp's PB Ratio too high?
PFS Bancorp's current PB Ratio of 0.81 is 65% above median its 10-year median of 0.49. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 0.82. The Banks industry median PB Ratio is 1.11. PFS Bancorp's value of 0.81 is 27% below this industry median. Based on the distribution chart, PFS Bancorp ranks #396 out of 1520 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 PB Ratio compare to VWFB and CNBZ?
According to the Banks industry distribution chart, PFS Bancorp ranks #396 out of 1520 companies for PB Ratio. This puts PFS Bancorp in the upper half of its industry. The industry median PB Ratio is 1.11. PFS Bancorp's value of 0.81 is 27% below this benchmark. Historically, PFS Bancorp's own PB Ratio has ranged from 0.41 to 0.82 over the past decade. While the company's 10-year median is 0.49 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PFS Bancorp's current PB Ratio of 0.81 is 27% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PFS Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current PB Ratio is 0.81, which is 65% above median its own 10-year median of 0.49. 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 PB Ratio is 0.81, which is 65% above median its 10-year median of 0.49 and 27% below the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current PB Ratio is 0.81 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:
PB Ratio: 0.81 (65% above median its 10-year median of 0.49)
GF Value™: $14.08 vs. price of $20.27 (44% above fair value)
Industry Position: 27% below the Banks median (#396 of 1520)
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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