PFSB (PFS Bancorp) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

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PFSB PFS Bancorp Inc PFSB
32 GF Score
Price $20.27
GF Value $14.08
Valuation Significantly Overvalued
! 3 Warning Signs
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What is PFS Bancorp ROC (Joel Greenblatt) %?

PFS Bancorp PFSB -0.63% 32 ROC (Joel Greenblatt) % is % as of Mar. 2026. 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 46 Banks companies, PFS Bancorp ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

PFSB
32GF Score
PFS Bancorp Inc PFSB
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
PFS Bancorp (PFSB) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on PFS Bancorp and its competitors. According to the industry distribution chart, PFS Bancorp ranks #999999 out of 46 companies in the Banks industry.
Is PFS Bancorp's ROC (Joel Greenblatt) % too high?
PFS Bancorp's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, PFS Bancorp ranks #999999 out of 46 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 ROC (Joel Greenblatt) % compare to VWFB and CNBZ?
According to the Banks industry distribution chart, PFS Bancorp ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places PFS Bancorp in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on PFS Bancorp and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PFS Bancorp's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current ROC (Joel Greenblatt) % is % 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:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $14.08 vs. price of $20.27 (44% above fair value)
  • GF Score™: 32/100 with 3 warning signs

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 Business Description

Address 1730 Fourth Street, Peru, IL, USA, 61354
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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.27
Price
$14.08
GF Value