PFSB (PFS Bancorp) Shares Buyback Ratio %: 6.69 (As of Jul. 25, 2026)

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PFSB PFS Bancorp Inc PFSB
32 GF Score
Price $20.31
GF Value $14.14
Valuation Significantly Overvalued
! 4 Warning Signs
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What is PFS Bancorp Shares Buyback Ratio %?

PFS Bancorp PFSB -0.44% 32 Shares Buyback Ratio % is 6.69 as of Jul. 25, 2026. GuruFocus rates PFSB with a GF Score™ of 32/100 and a GF Value™ of $14.14 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.

GuruFocus calculates shares buyback ratio using previous shares outstanding minus the current shares outstanding, and then divides by previous shares outstanding. PFS Bancorp's current shares buyback ratio was 6.69%.

PFS Bancorp Shares Buyback Ratio % Related Terms

PFS Bancorp Shares Buyback Ratio % Historical Data

* Premium members only.

The historical data trend for PFS Bancorp's Shares Buyback 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.

PFS Bancorp Shares Buyback Ratio % Chart

PFS Bancorp Annual Data
Trend Dec22 Dec23 Dec24 Dec25
Shares Buyback Ratio %
0.00 2.32 0.36 6.97

PFS Bancorp Quarterly Data
Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Shares Buyback Ratio % 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 1.13 2.59 2.97 0.45 0.83
PFSB
32GF Score
PFS Bancorp Inc PFSB
Shares Buyback Ratio % is just one metric. See GF Score™, valuation, warning signs, and more.
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PFS Bancorp Shares Buyback Ratio % Calculation

PFS Bancorp's Shares Buyback Ratio for the fiscal year that ended in Dec. 2025 is calculated as

Shares Buyback Ratio=(Shares Outstanding (EOP) (A: Dec. 2024 ) - Shares Outstanding (EOP) (A: Dec. 2025 )) / Shares Outstanding (EOP) (A: Dec. 2024 )
=(1.679 - 1.562) / 1.679
=6.97%

PFS Bancorp's Shares Buyback Ratio for the quarter that ended in Mar. 2026 is calculated as

Shares Buyback Ratio=(Shares Outstanding (EOP) (A: Dec. 2025 ) - Shares Outstanding (EOP) (A: Mar. 2026 )) / Shares Outstanding (EOP) (A: Dec. 2025 )
=(1.562 - 1.549) / 1.562
=0.83%

* 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.

Frequently Asked Questions Learn more about Shares Buyback Ratio % →
What does a Shares Buyback Ratio % of 6.69 mean?
PFS Bancorp (PFSB) has a Shares Buyback Ratio % of 6.69 as of Jul. 25, 2026. Share buyback ratio is the percent change of a company's shares outstanding from two periods. View historical data on PFS Bancorp and its competitors.
Is PFS Bancorp's Shares Buyback Ratio % too high?
PFS Bancorp's current Shares Buyback Ratio % is 6.69. 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 Shares Buyback Ratio % compare to VWFB and CNBZ?
PFS Bancorp's Shares Buyback Ratio % of 6.69 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 Shares Buyback Ratio % for a Banks company?
A good Shares Buyback Ratio % depends on the Banks industry context. However, Shares Buyback Ratio % 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 Shares Buyback Ratio % mean?
A high Shares Buyback Ratio % can signal that a stock is expensive relative to its fundamentals. Share buyback ratio is the percent change of a company's shares outstanding from two periods. View historical data on PFS Bancorp and its competitors. PFS Bancorp's current Shares Buyback Ratio % is 6.69. 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 $14.14, compared to a current price of $20.31 — trading 43.6% above its estimated fair value. The current Shares Buyback Ratio % is 6.69. 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 Shares Buyback Ratio % calculated?
Shares Buyback Ratio % is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Shares Buyback Ratio % is 6.69 as of Jul. 25, 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 $20.31 is trading 43.6% above its estimated GF Value™ of $14.14. GuruFocus considers PFS Bancorp to be Significantly Overvalued.

Key valuation signals for PFSB:

  • Shares Buyback Ratio %: 6.69
  • GF Value™: $14.14 vs. price of $20.31 (43.6% above fair value)
  • GF Score™: 32/100 with 4 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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Shares Buyback Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.31
Price
$14.14
GF Value