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PFS BancorpPFSB -0.63%32 Return-on-Tangible-Equity is 3.28% as of Mar. 2026, which is 16% below its 10-year median of 3.92. 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 1,523 Banks companies, PFS Bancorp ranks worse than 85.69% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. PFS Bancorp's annualized net income for the quarter that ended in Mar. 2026 was $1.27 Mil. PFS Bancorp's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $38.81 Mil. Therefore, PFS Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 3.28%.
The historical rank and industry rank for PFS Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
PFSB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.51 Med: 3.92 Max: 4.48
Current: 4.48
During the past 4 years, PFS Bancorp's highest Return-on-Tangible-Equity was 4.48%. The lowest was 2.51%. And the median was 3.92%.
PFSB's Return-on-Tangible-Equity is ranked worse than 85.69% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs PFSB: 4.48
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
PFS Bancorp Return-on-Tangible-Equity Related Terms
PFS Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for PFS Bancorp's Return-on-Tangible-Equity 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 VWFB, CNBZ, HRBK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, PFS Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PFS Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PFS Bancorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 3.28% mean?
PFS Bancorp (PFSB) has a Return-on-Tangible-Equity of 3.28% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PFS Bancorp and its competitors. This is 16% below median its historical median of 3.92. Over the past decade, PFS Bancorp's Return-on-Tangible-Equity has ranged from 2.51 to 4.48. According to the industry distribution chart, PFS Bancorp ranks #1305 out of 1523 companies in the Banks industry, placing it in the top 85.7%.
Is PFS Bancorp's Return-on-Tangible-Equity too high?
PFS Bancorp's current Return-on-Tangible-Equity of 3.28% is 16% below median its 10-year median of 3.92. Over the past 10 years, this metric has ranged from a low of 2.51 to a high of 4.48. The Banks industry median Return-on-Tangible-Equity is 11.20. PFS Bancorp's value of 3.28% is 70.7% below this industry median. Based on the distribution chart, PFS Bancorp ranks #1305 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Return-on-Tangible-Equity compare to VWFB and CNBZ?
According to the Banks industry distribution chart, PFS Bancorp ranks #1305 out of 1523 companies for Return-on-Tangible-Equity. This places PFS Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. PFS Bancorp's value of 3.28% is 70.7% below this benchmark. Historically, PFS Bancorp's own Return-on-Tangible-Equity has ranged from 2.51 to 4.48 over the past decade. While the company's 10-year median is 3.92 vs. the industry median of 11.20, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PFS Bancorp's current Return-on-Tangible-Equity of 3.28% is 70.7% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PFS Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current Return-on-Tangible-Equity is 3.28%, which is 16% below median its own 10-year median of 3.92. 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 Return-on-Tangible-Equity is 3.28%, which is 16% below median its 10-year median of 3.92 and 70.7% below the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Return-on-Tangible-Equity is 3.28% 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:
Return-on-Tangible-Equity: 3.28% (16% below median its 10-year median of 3.92)
GF Value™: $14.08 vs. price of $20.27 (44% above fair value)
Industry Position: 70.7% below the Banks median (#1305 of 1523)
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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