PFSB (PFS Bancorp) Scaled Net Operating Assets: -0.12 (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 Scaled Net Operating Assets?

PFS Bancorp PFSB 32 Scaled Net Operating Assets is -0.12 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.

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. 2026 was $146.05 Mil. PFS Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $171.73 Mil. PFS Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $206.91 Mil. Therefore, PFS Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.12.

PFSB
32GF Score
PFS Bancorp Inc PFSB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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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. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(191.417-167.858)/197.637
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=206.911 - 15.494
=191.417

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=167.858 - 0 - 0
=167.858

PFS Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(146.046-171.733)/206.911
=-0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=210.707 - 64.661
=146.046

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=171.733 - 0 - 0
=171.733

* 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 Scaled Net Operating Assets of -0.12 mean?
PFS Bancorp (PFSB) has a Scaled Net Operating Assets of -0.12 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on PFS Bancorp and its competitors.
Is PFS Bancorp's Scaled Net Operating Assets too high?
PFS Bancorp's current Scaled Net Operating Assets is -0.12. 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 Scaled Net Operating Assets compare to VWFB and CNBZ?
PFS Bancorp's Scaled Net Operating Assets of -0.12 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on PFS Bancorp and its competitors. PFS Bancorp's current Scaled Net Operating Assets is -0.12. 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 Scaled Net Operating Assets is -0.12. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Scaled Net Operating Assets is -0.12 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:

  • Scaled Net Operating Assets: -0.12
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.27
Price
$14.08
GF Value