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PFS Bancorp, Inc. (PFSB)
Peru, IL, US
PFS Bancorp, Inc. functions as the holding company for Peru Federal Savings Bank, a federally chartered mutual savings institution. This entity delivers a broad array of banking and financial solutions to individual consumers and corporate clients across the United States. Its deposit products include various account types such as checking, savings, individual retirement accounts (IRAs), and certificates of deposit (CDs). Additionally, it offers non-interest-bearing demand accounts, NOW savings accounts, money market accounts, and time deposits. Regarding lending, the bank provides diverse credit facilities, encompassing one-to-four family residential mortgages, multi-family and commercial real estate loans, agricultural real estate financing, and construction and land development loans. It further extends commercial and consumer loans, along with home equity loans and lines of credit. Beyond these core services, the company facilitates electronic banking through mobile and online platforms, bill payment features, and electronic funds transfers via Zelle. The institution also allocates capital to securities investments. PFS Bancorp, Inc. was established in 1887 and its main operations are based in Peru, Illinois.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.01% | +0.49% | +1.05% | +8.84% | +33.97% | +17.56% | +69.81% | +106.07% | +106.07% | +106.07% | +106.07% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
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Revenue growth-100.0% Q1'26: +1.0% (vs Q1'25)
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EPS growth+91.2% Q1'26: +16.7% (vs Q1'25)
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FCF margin— Q1'26: +16.6% (vs Q1'25)
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EBIT margin— Q1'26: +0.0% (vs Q1'25)
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ROIC— Q1'26: +0.0% (vs Q1'25)
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Share dilution+781.3% Q1'26: -2.3% (vs Q1'25)
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Debt / EBITDA—
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-27 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-26 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-22 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-20 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-18 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-15 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-14 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-13 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-12 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-11 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-08 | B- | 2/5 | 2/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-05 | B- | 2/5 | 2/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-04 | B- | 2/5 | 2/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-05-01 | B- | 2/5 | 2/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-30 | B- | 2/5 | 2/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-29 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-28 | B- | 3/5 | 3/5 | 2/5 | 3/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-27 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-24 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-23 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-21 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-20 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
| 2026-04-17 | B | 3/5 | 3/5 | 2/5 | 4/5 | 1/5 | 2/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Employee Stock Ownership Plan Trust | 138.0K | 8.00% | 132.5K | 5.5K | 138.0K | — | EP | Illinois | 2024-01-25 | ↗ |
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025-06-16 | Vaske Christopher J. | Officer | A-Award | A | Stock Options | 8,625 | 11.10 | 95.7K | 8,625 | D | ↗ |
| 2025-06-16 | Tieman Dale R. | Director / Officer | A-Award | A | Stock Options | 8,625 | 11.10 | 95.7K | 8,625 | D | ↗ |
| 2025-06-16 | Heagy Eric J. | Director / Officer | A-Award | A | Stock Options | 17,250 | 11.10 | 191.5K | 17,250 | D | ↗ |
| 2025-05-23 | Rooney Michael J. | Director | A-Award | A | Common Stock | 3,450 | 0.00 | — | 3,450 | D | ↗ |
| 2025-05-23 | Kurkowski Cynthia L. | Director | A-Award | A | Common Stock | 3,450 | 0.00 | — | 3,450 | D | ↗ |
| 2025-05-23 | Brandt Jonathan F. | Director | A-Award | A | Stock Options | 8,625 | 10.99 | 94.8K | 8,625 | D | ↗ |
| 2025-05-23 | Brady James J. IV | Director | A-Award | A | Stock Options | 8,625 | 10.99 | 94.8K | 8,625 | D | ↗ |
| 2007-04-02 | CARFORA JEFFREY J | Officer | D-Return | D | Common Stock | 3,200 | 0.00 | — | 0 | — | ↗ |
| 2007-04-02 | BILOTTA ANTHONY V JR | Officer | D-Return | D | Common Stock | 33 | 0.00 | — | 0 | — | ↗ |
| 2007-03-21 | CARFORA JEFFREY J | Officer | M-Exempt | A | Common Stock | 24,000 | 8.59 | 206.3K | 110,726 | — | ↗ |
| 2006-12-11 | CARFORA JEFFREY J | Officer | M-Exempt | A | Common Stock | 6,168 | 8.41 | 51.9K | 86,726 | — | ↗ |
| 2006-04-17 | BILOTTA ANTHONY V JR | Officer | — | D | Common Stock | 0 | 0.00 | — | 0 | — | ↗ |
| 2004-04-14 | CARFORA JEFFREY J | Officer | M-Exempt | A | Common Stock | 5,950 | 5.25 | 31.2K | 37,279 | — | ↗ |
| 2004-02-12 | CARFORA JEFFREY J | Officer | S-Sale | D | Common Stock | 200 | 34.21 | 6.8K | 32,629 | — | ↗ |
| 2004-02-06 | CARFORA JEFFREY J | Officer | S-Sale | D | Common Stock | 100 | 34.05 | 3.4K | 35,429 | — | ↗ |
| 2004-02-04 | CARFORA JEFFREY J | Officer | M-Exempt | D | Option to Purchase | 5,950 | 5.25 | 31.2K | 5,950 | — | ↗ |
| 2003-08-11 | CARFORA JEFFREY J | Officer | M-Exempt | A | Common Stock | 5,950 | 5.25 | 31.2K | 29,879 | — | ↗ |
Executive team
Executive compensation
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2025 | Eric J. Heagy, CPA President, Chief Executive Officer and Chief Financial Officer | 220.0K | 15.0K | 133.5K | — | — | 22.9K | 391.4K | 34.11% | ↗ |
| 2 | 2025 | Dale R. Tieman Executive Vice President, Chief Operations Officer and Corporate Secretary | 155.0K | 15.0K | 66.8K | — | — | 16.4K | 253.1K | 26.37% | ↗ |
| 3 | 2025 | Christopher J. Vaske Senior Vice President and Chief Lending Officer | 145.0K | 15.0K | 66.8K | — | — | 15.4K | 242.1K | 27.57% | ↗ |
| 4 | 2024 | Eric J. Heagy, CPA President, Chief Executive Officer and Chief Financial Officer | 211.0K | 25.0K | — | — | — | 23.9K | 259.9K | 0.00% | ↗ |
| 5 | 2024 | Dale R. Tieman Executive Vice President, Chief Operations Officer and Corporate Secretary | 150.0K | 10.0K | — | — | — | 16.0K | 176.0K | 0.00% | ↗ |
| 6 | 2024 | Christopher J. Vaske Senior Vice President and Chief Lending Officer | 135.0K | 10.0K | — | — | — | 14.6K | 159.6K | 0.00% | ↗ |
| 7 | 2023 | Eric J. Heagy, CPA President, Chief Executive Officer and Chief Financial Officer | 205.0K | 100.0K | — | — | — | 11.4K | 316.4K | 0.00% | ↗ |
| 8 | 2023 | Dale R. Tieman Executive Vice President, Chief Operations Officer and Corporate Secretary | 146.0K | 50.0K | — | — | — | 8.2K | 204.2K | 0.00% | ↗ |
| 9 | 2023 | Christopher J. Vaske Senior Vice President and Chief Lending Officer | 130.0K | 10.0K | — | — | — | 8.0K | 148.0K | 0.00% | ↗ |
| 10 | 2022 | Eric J. Heagy, CPA President, Chief Executive Officer and Chief Financial Officer | 205.0K | 20.0K | — | — | — | 12.7K | 237.7K | 0.00% | ↗ |
| 11 | 2022 | Dale R. Tieman Executive Vice President, Chief Operations Officer and Corporate Secretary | 146.0K | 10.0K | — | — | — | 8.8K | 164.8K | 0.00% | ↗ |
| 12 | 2022 | Christopher J. Vaske Senior Vice President and Chief Lending Officer | 125.0K | 10.0K | — | — | — | 7.8K | 142.8K | 0.00% | ↗ |
Proxy statements
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Eric J. Heagy | President, Chief Executive Officer, Chief Financial Officer, Director & Treasurer | 257.9K | male |
| Dale R. Tieman | Executive Vice President, Chief Operating Officer, Corporate Secretary & Director | 186.4K | male |
| Christopher J. Vaske | Senior Vice President & Chief Lending Officer - Peru Federal Savings Bank | 175.4K | male |
| Jessica L. Skolek | Vice President & Controller | — | female |
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for PFSB
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
