PFSB (PFS Bancorp) Tariff Resilience Score: 9/10 (As of Jul. 15, 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 Tariff Resilience Score?

PFS Bancorp PFSB -0.63% 32 Tariff Resilience Score is 9 as of Jul. 15, 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 1,609 Banks companies, PFS Bancorp ranks better than 99.25% on this metric.

PFS Bancorp has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

PFS Bancorp has Community bank with no significant international trade exposure. Operations are primarily domestic, resulting in high resilience to tariff impacts.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes PFS Bancorp might have Highly Resilient.

PFS Bancorp  (OTCPK:PFSB) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

PFS Bancorp Tariff Resilience Score Related Terms

PFSB vs VWFB, CNBZ, HRBK: Tariff Resilience Score Comparison

For the Banks - Regional subindustry, PFS Bancorp's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Banks Industry

For the Banks industry and Financial Services sector, PFS Bancorp's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where PFS Bancorp's Tariff Resilience Score falls into.


PFSB
32GF Score
PFS Bancorp Inc PFSB
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
PFS Bancorp (PFSB) has a Tariff Resilience Score of 9 as of Jul. 15, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, PFS Bancorp ranks #12 out of 1609 companies in the Banks industry, placing it in the top 0.7%.
Is PFS Bancorp's Tariff Resilience Score too high?
PFS Bancorp's current Tariff Resilience Score is 9. Based on the distribution chart, PFS Bancorp ranks #12 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position 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 Tariff Resilience Score compare to VWFB and CNBZ?
According to the Banks industry distribution chart, PFS Bancorp ranks #12 out of 1609 companies for Tariff Resilience Score. This places PFS Bancorp in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. PFS Bancorp's current Tariff Resilience Score is 9. 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 Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For PFS Bancorp (PFSB), the current Tariff Resilience Score is 9 as of Jul. 15, 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:

  • Tariff Resilience Score: 9
  • 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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.27
Price
$14.08
GF Value