PFSB (PFS Bancorp) ROE % Adjusted to Book Value: 5.02% (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 ROE % Adjusted to Book Value?

PFS Bancorp PFSB -0.63% 32 ROE % Adjusted to Book Value is 5.02% 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.

PFS Bancorp's ROE % for the quarter that ended in Mar. 2026 was 3.26%. PFS Bancorp's PB Ratio for the quarter that ended in Mar. 2026 was 0.65. PFS Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 5.02%.

PFS Bancorp ROE % Adjusted to Book Value Related Terms

PFS Bancorp ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for PFS Bancorp's ROE % Adjusted to Book Value 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.

PFS Bancorp ROE % Adjusted to Book Value Chart

PFS Bancorp Annual Data
Trend Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
0.00 8.18 4.88 7.11

PFS Bancorp Quarterly Data
Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.70 9.71 8.42 8.87 5.02

PFSB vs VWFB, CNBZ, HRBK: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, PFS Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, PFS Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where PFS Bancorp's ROE % Adjusted to Book Value falls into.


PFSB
32GF Score
PFS Bancorp Inc PFSB
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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PFS Bancorp ROE % Adjusted to Book Value Calculation

PFS Bancorp's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=4.41% / 0.62
=7.11%

PFS Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=3.26% / 0.65
=5.02%

* 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.

What does a ROE % Adjusted to Book Value of 5.02% mean?
PFS Bancorp (PFSB) has a ROE % Adjusted to Book Value of 5.02% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on PFS Bancorp and its competitors.
Is PFS Bancorp's ROE % Adjusted to Book Value too high?
PFS Bancorp's current ROE % Adjusted to Book Value is 5.02%. 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 ROE % Adjusted to Book Value compare to VWFB and CNBZ?
PFS Bancorp's ROE % Adjusted to Book Value of 5.02% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on PFS Bancorp and its competitors. PFS Bancorp's current ROE % Adjusted to Book Value is 5.02%. 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 ROE % Adjusted to Book Value is 5.02%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current ROE % Adjusted to Book Value is 5.02% 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:

  • ROE % Adjusted to Book Value: 5.02%
  • 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

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.27
Price
$14.08
GF Value