PFS Bancorp (PFS Bancorp) Scaled Net Operating Assets : -0.27 (As of Mar. 2024)

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What is PFS Bancorp Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

PFS Bancorp's operating assets for the quarter that ended in Mar. 2024 was $110.31 Mil. PFS Bancorp's operating liabilities for the quarter that ended in Mar. 2024 was $161.73 Mil. PFS Bancorp's Total Assets for the quarter that ended in Dec. 2023 was $193.45 Mil. Therefore, PFS Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2024 was -0.27.

PFS Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

PFS Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2023 is calculated as

	Scaled Net Operating Assets (SNOA)		(A: Dec. 2023 )
=	(Operating Assets (A: Dec. 2023 )	-	Operating Liabilities (A: Dec. 2023 ))	/	Total Assets (A: Dec. 2022 )
=	(173.251	-	157.934)	/	174.134
=	0.09

where

	Operating Assets		(A: Dec. 2023 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	193.453	-	20.202
=	173.251

	Operating Liabilities		(A: Dec. 2023 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	157.934	-	0	-	0
=	157.934

PFS Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2024 is calculated as

	Scaled Net Operating Assets (SNOA)		(Q: Mar. 2024 )
=	(Operating Assets (Q: Mar. 2024 )	-	Operating Liabilities (Q: Mar. 2024 ))	/	Total Assets (Q: Dec. 2023 )
=	(110.309	-	161.725)	/	193.453
=	-0.27

where

	Operating Assets		(Q: Mar. 2024 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	197.211	-	86.902
=	110.309

	Operating Liabilities		(Q: Mar. 2024 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	161.725	-	0	-	0
=	161.725

* 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.

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PFS Bancorp (PFS Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » PFS Bancorp Inc (OTCPK:PFSB) » Definitions » Scaled Net Operating Assets

Comparable Companies

Traded in Other Exchanges

N/A

Address

1730 Fourth Street, Peru, IL, USA, 61354

Website

https://www.perufederalsavings.com

PFS Bancorp Inc is a federal chartered mutual savings bank. The Bank is primarily engaged in providing a full range of banking and financial services to individual and corporate customers in northern Illinois, primarily LaSalle County, from its two facilities located in Peru, Illinois.

Executives

Jonathan F. Brandt	director, other: Vice Chairman of the Board	1730 FOURTH STREET, PERU IL 61354
Brady James J. Iv	director	1730 FOURTH STREET, PERU IL 61354
Cynthia L. Kurkowski	director	1730 FOURTH STREET, PERU IL 61354
Eric J. Heagy	director, officer: President/CEO/CFO/Treasurer	1730 FOURTH STREET, PERU IL 61354
Dale R. Tieman	director, officer: EVP/COO/Corporate Secretary	1730 FOURTH STREET, PERU IL 61354
Michael J. Rooney	director, other: Chairman of the Board	1730 FOURTH STREET, PERU IL 61354
Christopher J. Vaske	officer: SVP and CLO	1730 FOURTH STREET, PERU IL 61354