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Pretax income is the income that a company earns before paying income taxes. PFS Bancorp's pretax income for the
three
months ended in Mar. 2026 was $0.39 Mil.
Its pretax income for the trailing twelve months (TTM) ended in Mar. 2026 was $2.10 Mil.
PFS Bancorp's pretax margin was 23.84%.
During the past 4 years, PFS Bancorp's highest Pretax Margin was 31.59%. The lowest was 18.71%. And the median was 22.22%.
During the past 4 years, PFS Bancorp's highest Pretax Margin was 31.59%. The lowest was 18.71%. And the median was 22.22%.
* 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 Pre-Tax Income Related Terms
PFS Bancorp Pre-Tax Income Historical Data
* Premium members only.
The historical data trend for PFS Bancorp's Pre-Tax Income 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.
PFSB vs ELMA, JFWV, WVFC: Pre-Tax Income Comparison
For the Banks - Regional subindustry, PFS Bancorp's Pre-Tax Income, along with its competitors' market caps and Pre-Tax Income 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 Pre-Tax Income vs Banks Industry
For the Banks industry and Financial Services sector, PFS Bancorp's Pre-Tax Income distribution charts can be found below:
* The bar in red indicates where PFS Bancorp's Pre-Tax Income falls into.
Pre-Tax Income 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 $2.10 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.
PFS Bancorp (PFSB) has a Pre-Tax Income of $2.10 Mil as of Mar. 2026. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on PFS Bancorp and its competitors.
Is PFS Bancorp's Pre-Tax Income too high?
PFS Bancorp's current Pre-Tax Income is $2.10 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 Pre-Tax Income compare to ELMA and JFWV?
PFS Bancorp's Pre-Tax Income of $2.10 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 Pre-Tax Income for a Banks company?
A good Pre-Tax Income depends on the Banks industry context. However, Pre-Tax Income 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 Pre-Tax Income mean?
A high Pre-Tax Income can signal that a stock is expensive relative to its fundamentals. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on PFS Bancorp and its competitors. PFS Bancorp's current Pre-Tax Income is $2.10 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 $14.18, compared to a current price of $20.24 — trading 42.7% above its estimated fair value. The current Pre-Tax Income is $2.10 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 Pre-Tax Income calculated?
Pre-Tax Income is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Pre-Tax Income is $2.10 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 $20.24 is trading 42.7% above its estimated GF Value™ of $14.18.
GuruFocus considers PFS Bancorp to be Significantly Overvalued.
Key valuation signals for PFSB:
Pre-Tax Income: $2.10 Mil
GF Value™: $14.18 vs. price of $20.24 (42.7% above fair value)
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
Get the complete analysis for PFSB
Pre-Tax Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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