PFS Bancorp, Inc. ^PFSB

Finances

	2024	2023	2022
Revenue	8.899 M ^{23.27 %}	7.219 M ^{35.90 %}	5.312 M
Net income	905.000 K ^{-10.22 %}	1.008 M ^{21.30 %}	831.000 K
Income before tax	1.107 M ^{-11.30 %}	1.248 M ^{26.57 %}	986.000 K
Income before tax ratio	0.12 ^{-28.04 %}	0.17 ^{-6.86 %}	0.19
EBITDA	1.258 M ^{-10.01 %}	1.398 M ^{23.61 %}	1.131 M
Net income ratio	0.10 ^{-27.17 %}	0.14 ^{-10.74 %}	0.16
Ratio EBITDA	0.14 ^{-27.00 %}	0.19 ^{-9.05 %}	0.21
Gross profit ratio	0.65 ^{-11.14 %}	0.73 ^{-16.20 %}	0.87
Weighted average shs out dil	1.595 M ^{0.13 %}	1.593 M ^{-7.68 %}	1.725 M
Weighted average shs out	1.595 M ^{0.13 %}	1.593 M ^{-7.68 %}	1.725 M
EPS diluted	0.57 ^{-9.52 %}	0.63 ^{31.25 %}	0.48
Earnings per share	0.57 ^{-9.52 %}	0.63 ^{31.25 %}	0.48
Gross profit	5.752 M ^{9.54 %}	5.251 M ^{13.88 %}	4.611 M
Income tax expense	202.000 K ^{-15.83 %}	240.000 K ^{54.84 %}	155.000 K
Cost of revenue	3.147 M ^{59.91 %}	1.968 M ^{180.74 %}	701.000 K
General and administrative expenses	2.503 M ^{2.67 %}	2.438 M ^{13.82 %}	2.142 M
Selling and marketing expenses	142.000 K ^{-1.39 %}	144.000 K ^{11.63 %}	129.000 K
Other expenses	2.000 M ^{40.75 %}	1.421 M ^{4.95 %}	1.354 M
Operating expenses	4.645 M ^{16.04 %}	4.003 M ^{10.43 %}	3.625 M
Cost and expenses	7.792 M ^{30.50 %}	5.971 M ^{38.03 %}	4.326 M
Research and development expenses	0.000	0.000	0.000
Selling general and administrative expenses	2.645 M ^{2.44 %}	2.582 M ^{13.69 %}	2.271 M
Interest income	7.993 M ^{22.27 %}	6.537 M ^{36.47 %}	4.790 M
Interest expense	2.982 M ^{59.55 %}	1.869 M ^{192.03 %}	640.000 K
Depreciation and amortization	151.000 K ^{0.67 %}	150.000 K ^{3.45 %}	145.000 K
Operating income	1.107 M ^{-11.30 %}	1.248 M ^{26.57 %}	986.000 K
Operating income ratio	0.12 ^{-28.04 %}	0.17 ^{-6.86 %}	0.19
Total other income expenses net	0.000	0.000	0.000
	2024	2023	2022

	2024	2023	2022
Net debt	-16.256 M ^{19.53 %}	-20.202 M ^{-59.69 %}	-12.651 M
Total investments	171.425 M ^{4.98 %}	163.290 M ^{7.80 %}	151.479 M
Total debt	0.000	0.000	0.000
Accumulated other comprehensive income loss	-2.913 M ^{-5.01 %}	-2.774 M ^{24.80 %}	-3.689 M
Retained earnings	25.701 M ^{3.65 %}	24.796 M ^{4.06 %}	23.828 M
Common stock	17.000 K ^{0.00 %}	17.000 K	0.000
Total equity	36.675 M ^{2.10 %}	35.919 M ^{78.36 %}	20.139 M
Other non current liabilities	1.375 M ^{0.15 %}	1.373 M ^{6.60 %}	1.288 M
Long term debt	0.000	0.000	0.000
Total non current liabilities	1.375 M ^{0.15 %}	1.373 M ^{6.60 %}	1.288 M
Other current liabilities	159.414 M ^{2.25 %}	155.904 M ^{2.09 %}	152.707 M
Deferred revenue	0.000	0.000	0.000
Short term debt	0.000	0.000	0.000
Total current liabilities	159.587 M ^{2.19 %}	156.161 M ^{2.26 %}	152.707 M
Total liabilities	160.962 M ^{2.18 %}	157.534 M ^{2.30 %}	153.995 M
Other non current assets	5.011 M ^{-1.82 %}	5.104 M ^{4.31 %}	4.893 M
Long term investments	128.852 M ^{29.14 %}	99.777 M ^{13.19 %}	88.150 M
Intangible assets	254.000 K ^{-15.33 %}	300.000 K ^{-4.76 %}	315.000 K
GoodWill	0.000	0.000	0.000
Goodwill and intangible assets	254.000 K ^{-15.33 %}	300.000 K ^{-4.76 %}	315.000 K
Property plant equipment net	2.101 M ^{3.14 %}	2.037 M ^{-5.26 %}	2.150 M
Total non current assets	138.075 M ^{26.62 %}	109.049 M ^{11.89 %}	97.464 M
Other current assets	0.000	0.000	0.000
Short term investments	42.573 M ^{-32.97 %}	63.513 M ^{0.29 %}	63.329 M
cash and cash equivalents	16.256 M ^{-19.53 %}	20.202 M ^{59.69 %}	12.651 M
Cash and short term investments	58.829 M ^{-29.73 %}	83.715 M ^{10.18 %}	75.980 M
Total current assets	59.562 M ^{-29.43 %}	84.404 M ^{10.09 %}	76.670 M
Inventory	0.000	0.000	0.000
Net receivables	733.000 K ^{6.39 %}	689.000 K ^{-0.14 %}	690.000 K
Tax assets	1.857 M ^{1.42 %}	1.831 M ^{-6.39 %}	1.956 M
Other assets	0.000	0.000	0.000
Account payables	0.000	0.000	0.000
Tax payables	173.000 K ^{-32.68 %}	257.000 K	0.000
Deferred revenue non current	0.000	0.000	0.000
Minority interest	0.000	0.000	0.000
Capital lease obligations	0.000	0.000	0.000
Preferred stock	0.000	0.000	0.000
Other total stockholders equity	13.870 M ^{-0.07 %}	13.880 M	0.000
Deferred tax liabilities non current	0.000	0.000	0.000
Other liabilities	0.000	0.000	0.000
Total assets	197.637 M ^{2.16 %}	193.453 M ^{11.09 %}	174.134 M
	2024	2023	2022

	2024	2023	2022
Deferred income tax	30.000 K ^{137.04 %}	-81.000 K ^{-3 950.00 %}	-2.000 K
Stock based compensation	53.000 K ^{8.16 %}	49.000 K	0.000
Change in working capital	204.000 K ^{-44.72 %}	369.000 K ^{51.85 %}	243.000 K
Accounts receivables	-44.000 K ^{54.64 %}	-97.000 K ^{-273.08 %}	-26.000 K
Inventory	0.000	0.000	0.000
Accounts payables	7.000 K ^{-98.56 %}	485.000 K ^{477.38 %}	84.000 K
Other working capital	241.000 K ^{1 368.42 %}	-19.000 K ^{-110.27 %}	185.000 K
Other non cash items	23.000 K ^{-94.80 %}	442.000 K ^{-55.44 %}	992.000 K
Net cash provided by operating activities	1.366 M ^{-29.48 %}	1.937 M ^{-12.31 %}	2.209 M
Investments in property plant and equipment	-219.000 K ^{-397.73 %}	-44.000 K ^{67.65 %}	-136.000 K
Acquisitions net	0.000	0.000	0.000
Purchases of investments	-11.784 M ^{15.19 %}	-13.894 M ^{26.70 %}	-18.956 M
Sales maturities of investments	9.050 M ^{10.64 %}	8.180 M ^{-59.76 %}	20.327 M
Other investing activites	-5.722 M ^{3.51 %}	-5.930 M ^{-43.58 %}	-4.130 M
Net cash used for investing activites	-8.675 M ^{25.78 %}	-11.688 M ^{-303.73 %}	-2.895 M
Debt repayment	0.000	0.000 ^{100.00 %}	-5.000 M
Common stock issued	0.000 ^{-100.00 %}	17.250 M	0.000
Common stock repurchased	-63.000 K ^{84.25 %}	-400.000 K	0.000
Dividends paid	0.000	0.000	0.000
Other financing activites	3.426 M ^{657.96 %}	452.000 K ^{114.10 %}	-3.205 M
Net cash used provided by financing activities	3.363 M ^{-80.56 %}	17.302 M ^{310.87 %}	-8.205 M
Effect of forex changes on cash	0.000	0.000	0.000
Net change in cash	-3.946 M ^{-152.26 %}	7.551 M ^{184.93 %}	-8.891 M
Cash at beginning of period	20.202 M ^{59.69 %}	12.651 M ^{-41.27 %}	21.542 M
Cash at end of period	16.256 M ^{-19.53 %}	20.202 M ^{59.69 %}	12.651 M
Operating cash flow	1.366 M ^{-29.48 %}	1.937 M ^{-12.31 %}	2.209 M
Capital expenditure	-219.000 K ^{-397.73 %}	-44.000 K ^{67.65 %}	-136.000 K
Free CashFlow	1.147 M ^{-39.41 %}	1.893 M ^{-8.68 %}	2.073 M
	2024	2023	2022

	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Revenue	2.258 M ^{-8.10 %}	2.457 M ^{8.10 %}	2.273 M ^{-7.86 %}	2.467 M ^{12.91 %}	2.185 M ^{0.32 %}	2.178 M
Net income	416.000 K ^{-5.02 %}	438.000 K ^{53.68 %}	285.000 K ^{152.21 %}	113.000 K ^{-53.31 %}	242.000 K ^{-11.68 %}	274.000 K
Income before tax	534.000 K ^{-3.26 %}	552.000 K ^{49.59 %}	369.000 K ^{142.76 %}	152.000 K ^{-41.54 %}	260.000 K ^{-27.78 %}	360.000 K
Income before tax ratio	0.24 ^{5.26 %}	0.22 ^{38.39 %}	0.16 ^{163.48 %}	0.06 ^{-48.22 %}	0.12 ^{-28.01 %}	0.17
EBITDA	534.000 K ^{-8.72 %}	585.000 K ^{45.16 %}	403.000 K ^{117.84 %}	185.000 K ^{-37.71 %}	297.000 K ^{-25.94 %}	401.000 K
Net income ratio	0.18 ^{3.35 %}	0.18 ^{42.18 %}	0.13 ^{173.74 %}	0.05 ^{-58.64 %}	0.11 ^{-11.96 %}	0.13
Ratio EBITDA	0.24 ^{-0.67 %}	0.24 ^{34.29 %}	0.18 ^{136.43 %}	0.07 ^{-44.83 %}	0.14 ^{-26.17 %}	0.18
Gross profit ratio	0.00 ^{-100.00 %}	0.65 ^{4.57 %}	0.62 ^{-7.03 %}	0.66 ^{12.01 %}	0.59 ^{-9.22 %}	0.65
Weighted average shs out dil	1.510 M ^{-2.84 %}	1.554 M ^{-1.88 %}	1.584 M ^{-0.35 %}	1.589 M ^{2.12 %}	1.556 M ^{-2.42 %}	1.595 M
Weighted average shs out	1.510 M ^{-2.84 %}	1.554 M ^{-1.88 %}	1.584 M ^{-0.35 %}	1.589 M ^{2.12 %}	1.556 M ^{-2.42 %}	1.595 M
EPS diluted	0.28 ^{0.00 %}	0.28 ^{55.56 %}	0.18 ^{153.16 %}	0.07 ^{-55.56 %}	0.16 ^{-5.88 %}	0.17
Earnings per share	0.28 ^{0.00 %}	0.28 ^{55.56 %}	0.18 ^{153.16 %}	0.07 ^{-55.56 %}	0.16 ^{-5.88 %}	0.17
Gross profit	0.000 ^{-100.00 %}	1.587 M ^{13.03 %}	1.404 M ^{-14.34 %}	1.639 M ^{26.47 %}	1.296 M ^{-8.92 %}	1.423 M
Income tax expense	118.000 K ^{3.51 %}	114.000 K ^{35.71 %}	84.000 K ^{115.38 %}	39.000 K ^{116.67 %}	18.000 K ^{-79.07 %}	86.000 K
Cost of revenue	0.000 ^{-100.00 %}	870.000 K ^{0.12 %}	869.000 K ^{4.95 %}	828.000 K ^{-6.86 %}	889.000 K ^{17.75 %}	755.000 K
General and administrative expenses	125.000 K ^{-79.24 %}	602.000 K ^{1.18 %}	595.000 K ^{-10.26 %}	663.000 K ^{2.31 %}	648.000 K ^{14.49 %}	566.000 K
Selling and marketing expenses	38.000 K ^{-19.15 %}	47.000 K ^{27.03 %}	37.000 K ^{68.18 %}	22.000 K ^{-40.54 %}	37.000 K ^{-21.28 %}	47.000 K
Other expenses	0.000 ^{-100.00 %}	386.000 K ^{-4.22 %}	403.000 K ^{-49.75 %}	802.000 K ^{128.49 %}	351.000 K ^{-22.00 %}	450.000 K
Operating expenses	163.000 K ^{-84.25 %}	1.035 M ^{0.00 %}	1.035 M ^{-30.40 %}	1.487 M ^{43.53 %}	1.036 M ^{-2.54 %}	1.063 M
Cost and expenses	0.000 ^{-100.00 %}	1.905 M ^{0.05 %}	1.904 M ^{-17.75 %}	2.315 M ^{20.26 %}	1.925 M ^{5.89 %}	1.818 M
Research and development expenses	0.000	0.000	0.000	0.000	0.000	0.000
Selling general and administrative expenses	163.000 K ^{-74.88 %}	649.000 K ^{2.69 %}	632.000 K ^{-7.74 %}	685.000 K ^{0.00 %}	685.000 K ^{11.75 %}	613.000 K
Interest income	0.000 ^{-100.00 %}	2.254 M ^{6.62 %}	2.114 M ^{-0.05 %}	2.115 M ^{5.12 %}	2.012 M ^{1.05 %}	1.991 M
Interest expense	0.000 ^{-100.00 %}	813.000 K ^{0.00 %}	813.000 K ^{0.49 %}	809.000 K ^{4.25 %}	776.000 K ^{3.74 %}	748.000 K
Depreciation and amortization	0.000 ^{-100.00 %}	33.000 K ^{-2.94 %}	34.000 K ^{3.03 %}	33.000 K ^{-10.81 %}	37.000 K ^{-9.76 %}	41.000 K
Operating income	0.000 ^{-100.00 %}	552.000 K ^{49.59 %}	369.000 K ^{142.76 %}	152.000 K ^{-41.54 %}	260.000 K ^{-27.78 %}	360.000 K
Operating income ratio	0.00 ^{-100.00 %}	0.22 ^{38.39 %}	0.16 ^{163.48 %}	0.06 ^{-48.22 %}	0.12 ^{-28.01 %}	0.17
Total other income expenses net	0.000	0.000	0.000	0.000	0.000	0.000
	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30

	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Net debt	-9.143 M ^{36.90 %}	-14.489 M ^{22.91 %}	-18.795 M ^{-15.62 %}	-16.256 M ^{-12.50 %}	-14.450 M ^{20.69 %}	-18.219 M
Total investments	68.681 M ^{-62.65 %}	183.898 M ^{4.14 %}	176.589 M ^{3.01 %}	171.425 M ^{-1.70 %}	174.389 M ^{2.41 %}	170.287 M
Total debt	0.000	0.000	0.000	0.000	0.000	0.000
Accumulated other comprehensive income loss	-1.704 M ^{11.48 %}	-1.925 M ^{15.20 %}	-2.270 M ^{22.07 %}	-2.913 M ^{-61.83 %}	-1.800 M ^{45.32 %}	-3.292 M
Retained earnings	26.840 M ^{1.57 %}	26.424 M ^{1.69 %}	25.986 M ^{1.11 %}	25.701 M ^{0.44 %}	25.588 M ^{0.95 %}	25.346 M
Common stock	-1.212 M ^{-7 229.41 %}	17.000 K ^{0.00 %}	17.000 K ^{0.00 %}	17.000 K ^{0.00 %}	17.000 K ^{0.00 %}	17.000 K
Total equity	38.289 M ^{1.38 %}	37.766 M ^{0.95 %}	37.412 M ^{2.01 %}	36.675 M ^{-2.78 %}	37.724 M ^{4.86 %}	35.976 M
Other non current liabilities	164.309 M ^{11 611.26 %}	1.403 M ^{-5.84 %}	1.490 M ^{8.36 %}	1.375 M ^{-31.96 %}	2.021 M ^{2.95 %}	1.963 M
Long term debt	0.000	0.000	0.000	0.000	0.000	0.000
Total non current liabilities	164.309 M ^{11 611.26 %}	1.403 M ^{-5.84 %}	1.490 M ^{8.36 %}	1.375 M ^{-31.96 %}	2.021 M ^{2.95 %}	1.963 M
Other current liabilities	0.000 ^{-100.00 %}	168.561 M ^{1.63 %}	165.853 M ^{4.04 %}	159.414 M ^{0.66 %}	158.364 M ^{-1.28 %}	160.416 M
Deferred revenue	0.000	0.000	0.000	0.000	0.000	0.000
Short term debt	0.000	0.000	0.000	0.000	0.000	0.000
Total current liabilities	322.000 K ^{-99.81 %}	168.737 M ^{1.59 %}	166.104 M ^{4.08 %}	159.587 M ^{0.62 %}	158.607 M ^{-1.22 %}	160.566 M
Total liabilities	164.631 M ^{-3.24 %}	170.140 M ^{1.52 %}	167.594 M ^{4.12 %}	160.962 M ^{0.21 %}	160.628 M ^{-1.17 %}	162.529 M
Other non current assets	0.000 ^{-100.00 %}	5.032 M ^{1.11 %}	4.977 M ^{-0.68 %}	5.011 M ^{-0.91 %}	5.057 M ^{0.68 %}	5.023 M
Long term investments	0.000 ^{-100.00 %}	112.775 M ^{4.59 %}	107.822 M ^{-16.32 %}	128.852 M ^{24.26 %}	103.694 M ^{3.52 %}	100.167 M
Intangible assets	0.000 ^{-100.00 %}	254.000 K ^{0.00 %}	254.000 K ^{0.00 %}	254.000 K ^{-15.33 %}	300.000 K ^{0.00 %}	300.000 K
GoodWill	0.000	0.000	0.000	0.000	0.000	0.000
Goodwill and intangible assets	0.000 ^{-100.00 %}	254.000 K ^{0.00 %}	254.000 K ^{0.00 %}	254.000 K ^{-15.33 %}	300.000 K ^{0.00 %}	300.000 K
Property plant equipment net	2.020 M ^{-1.42 %}	2.049 M ^{-1.59 %}	2.082 M ^{-0.90 %}	2.101 M ^{1.69 %}	2.066 M ^{-1.71 %}	2.102 M
Total non current assets	2.020 M ^{-98.34 %}	121.516 M ^{4.10 %}	116.732 M ^{-15.46 %}	138.075 M ^{22.76 %}	112.471 M ^{2.76 %}	109.447 M
Other current assets	0.000	0.000	0.000	0.000	0.000	0.000
Short term investments	68.681 M ^{-3.43 %}	71.123 M ^{3.43 %}	68.767 M ^{61.53 %}	42.573 M ^{-39.78 %}	70.695 M ^{0.82 %}	70.120 M
cash and cash equivalents	9.143 M ^{-36.90 %}	14.489 M ^{-22.91 %}	18.795 M ^{15.62 %}	16.256 M ^{12.50 %}	14.450 M ^{-20.69 %}	18.219 M
Cash and short term investments	77.824 M ^{-9.10 %}	85.612 M ^{-2.23 %}	87.562 M ^{48.84 %}	58.829 M ^{-30.91 %}	85.145 M ^{-3.62 %}	88.339 M
Total current assets	78.579 M ^{-9.04 %}	86.390 M ^{-2.13 %}	88.274 M ^{48.21 %}	59.562 M ^{-30.65 %}	85.881 M ^{-3.57 %}	89.058 M
Inventory	0.000	0.000	0.000	0.000	0.000	0.000
Net receivables	755.000 K ^{-2.96 %}	778.000 K ^{9.27 %}	712.000 K ^{-2.86 %}	733.000 K ^{-0.41 %}	736.000 K ^{2.36 %}	719.000 K
Tax assets	0.000 ^{-100.00 %}	1.406 M ^{-11.96 %}	1.597 M ^{-14.00 %}	1.857 M ^{37.15 %}	1.354 M ^{-27.01 %}	1.855 M
Other assets	122.321 M	0.000	0.000	0.000	0.000	0.000
Account payables	0.000	0.000	0.000	0.000	0.000	0.000
Tax payables	322.000 K ^{82.95 %}	176.000 K ^{-29.88 %}	251.000 K ^{45.09 %}	173.000 K ^{-28.81 %}	243.000 K ^{62.00 %}	150.000 K
Deferred revenue non current	0.000	0.000	0.000	0.000	0.000	0.000
Minority interest	0.000	0.000	0.000	0.000	0.000	0.000
Capital lease obligations	0.000	0.000	0.000	0.000	0.000	0.000
Preferred stock	0.000	0.000	0.000	0.000	0.000	0.000
Other total stockholders equity	14.365 M ^{8.42 %}	13.250 M ^{-3.14 %}	13.679 M ^{-1.38 %}	13.870 M ^{-0.35 %}	13.919 M ^{0.10 %}	13.905 M
Deferred tax liabilities non current	0.000	0.000	0.000	0.000	0.000	0.000
Other liabilities	0.000	0.000	0.000	0.000	0.000	0.000
Total assets	202.920 M ^{-2.40 %}	207.906 M ^{1.41 %}	205.006 M ^{3.73 %}	197.637 M ^{-0.36 %}	198.352 M ^{-0.08 %}	198.505 M
	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30

	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Deferred income tax	54.000 K ^{800.00 %}	6.000 K ^{-94.06 %}	101.000 K ^{207.45 %}	-94.000 K ^{-403.23 %}	31.000 K
Stock based compensation	13.000 K ^{-13.33 %}	15.000 K ^{7.14 %}	14.000 K ^{0.00 %}	14.000 K ^{16.67 %}	12.000 K
Change in working capital	-164.000 K ^{-188.65 %}	185.000 K ^{250.41 %}	-123.000 K ^{-432.43 %}	37.000 K ^{-77.84 %}	167.000 K
Accounts receivables	-66.000 K ^{-414.29 %}	21.000 K ^{600.00 %}	3.000 K ^{117.65 %}	-17.000 K ^{60.47 %}	-43.000 K
Inventory	0.000	0.000	0.000	0.000	0.000
Accounts payables	-76.000 K ^{-173.08 %}	104.000 K ^{142.45 %}	-245.000 K ^{-495.16 %}	62.000 K ^{-71.69 %}	219.000 K
Other working capital	-22.000 K ^{-136.67 %}	60.000 K ^{-49.58 %}	119.000 K ^{1 587.50 %}	-8.000 K ^{11.11 %}	-9.000 K
Other non cash items	7.000 K ^{-83.72 %}	43.000 K ^{127.92 %}	-154.000 K ^{-210.79 %}	139.000 K ^{14 000.00 %}	-1.000 K
Net cash provided by operating activities	381.000 K ^{-32.92 %}	568.000 K ^{3 650.00 %}	-16.000 K ^{-104.27 %}	375.000 K ^{-28.44 %}	524.000 K
Investments in property plant and equipment	0.000 ^{100.00 %}	-15.000 K ^{77.94 %}	-68.000 K ^{-6 700.00 %}	-1.000 K ^{98.78 %}	-82.000 K
Acquisitions net	0.000	0.000	0.000	0.000	0.000
Purchases of investments	-3.608 M ^{-3.65 %}	-3.481 M ^{-260.73 %}	-965.000 K ^{-86.65 %}	-517.000 K ^{81.66 %}	-2.819 M
Sales maturities of investments	2.760 M ^{10.36 %}	2.501 M ^{-19.76 %}	3.117 M ^{39.21 %}	2.239 M ^{14.88 %}	1.949 M
Other investing activites	-6.030 M ^{-80.27 %}	-3.345 M ^{-183.72 %}	-1.179 M ^{69.82 %}	-3.906 M ^{-3 767.33 %}	-101.000 K
Net cash used for investing activites	-6.878 M ^{-58.48 %}	-4.340 M ^{-579.56 %}	905.000 K ^{141.42 %}	-2.185 M ^{-107.50 %}	-1.053 M
Debt repayment	0.000	0.000	0.000	0.000	0.000
Common stock issued	0.000	0.000	0.000	0.000	0.000
Common stock repurchased	-442.000 K ^{-114.56 %}	-206.000 K	0.000	0.000	0.000
Dividends paid	0.000	0.000	0.000	0.000	0.000
Other financing activites	2.633 M ^{-59.60 %}	6.517 M ^{610.69 %}	917.000 K ^{146.81 %}	-1.959 M ^{-434.87 %}	585.000 K
Net cash used provided by financing activities	2.191 M ^{-65.28 %}	6.311 M ^{588.22 %}	917.000 K ^{146.81 %}	-1.959 M ^{-434.87 %}	585.000 K
Effect of forex changes on cash	0.000	0.000	0.000	0.000	0.000
Net change in cash	-4.306 M ^{-269.59 %}	2.539 M ^{40.59 %}	1.806 M ^{147.92 %}	-3.769 M ^{-6 830.36 %}	56.000 K
Cash at beginning of period	18.795 M ^{15.62 %}	16.256 M ^{12.50 %}	14.450 M ^{-20.69 %}	18.219 M ^{0.31 %}	18.163 M
Cash at end of period	14.489 M ^{-22.91 %}	18.795 M ^{15.62 %}	16.256 M ^{12.50 %}	14.450 M ^{-20.69 %}	18.219 M
Operating cash flow	381.000 K ^{-32.92 %}	568.000 K ^{3 650.00 %}	-16.000 K ^{-104.27 %}	375.000 K ^{-28.44 %}	524.000 K
Capital expenditure	0.000 ^{100.00 %}	-15.000 K ^{77.94 %}	-68.000 K ^{-6 700.00 %}	-1.000 K ^{98.78 %}	-82.000 K
Free CashFlow	381.000 K ^{-31.10 %}	553.000 K ^{758.33 %}	-84.000 K ^{-122.46 %}	374.000 K ^{-15.38 %}	442.000 K
	2025	2025	2024	2024	2024

Date	Form 10K
2024	https://www.sec.gov/Archives/edgar/data/1967656/000155837025004028/pfsb-20241231x10k.htm
2023	https://www.sec.gov/Archives/edgar/data/1967656/000155837024003964/pfsb-20231231x10k.htm
2022

PFS Bancorp, Inc. PFSB

Finances

PFS Bancorp, Inc. ^PFSB