Pfs Bancorp, Inc. (PFSB) — SEC Filings
Pfs Bancorp, Inc. (PFSB) — 16 SEC filings. Latest: 8-K (Dec 3, 2025). Includes 6 10-Q, 4 8-K, 2 DEF 14A.
View Pfs Bancorp, Inc. on SEC EDGAR
Overview
Pfs Bancorp, Inc. (PFSB) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Dec 3, 2025: PFS Bancorp, Inc. filed an 8-K on December 3, 2025, reporting an event that occurred on December 1, 2025. The filing is categorized under 'Other Events' and 'Financial Statements and Exhibits'. The company is based in Peru, Illinois, and its fiscal year ends on December 31.
Sentiment Summary
Across 16 filings, the sentiment breakdown is: 2 bullish, 13 neutral, 1 mixed. The dominant filing sentiment for Pfs Bancorp, Inc. is neutral.
Filing Type Overview
Pfs Bancorp, Inc. (PFSB) has filed 4 8-K, 6 10-Q, 2 DEF 14A, 2 10-K, 1 DEFA14A, 1 SC 13G with the SEC between Jan 2024 to Dec 2025.
Filings by Year
Recent SEC Filings (16)
Risk Profile
Risk Assessment: Of PFSB's 15 recent filings, 0 were flagged as high-risk, 2 as medium-risk, and 13 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $6.637M |
| Net Income | $1.139M |
| EPS | $0.28 |
| Cash Position | $9.143M |
| Total Assets | $202.920M |
Key Executives
- Eric J. Heagy
- Dale R. Tieman
Industry Context
PFS Bancorp operates as a community bank primarily serving LaSalle County, Illinois. The banking industry faces ongoing competition from larger financial institutions and fintech companies. Trends include a focus on digital banking services, managing interest rate risk, and navigating a complex regulatory environment. Community banks often differentiate themselves through personalized service and deep local market knowledge.
Top Tags
financials (5) · corporate-governance (3) · 10-Q (3) · equity (3) · PFS Bancorp (3) · 8-K (2) · Regional Banking (2) · shareholder-vote (2) · proxy-statement (2) · 10-K (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income (9 months) | $1.139M | Increased 43.8% from $0.792M in 2024 |
| Total Interest & Dividend Income (9 months) | $6.637M | Increased 12.6% from $5.895M in 2024 |
| Loan Interest Income (9 months) | $4.235M | Increased 24.1% from $3.414M in 2024 |
| Total Assets | $202.920M | Increased 2.67% from $197.637M at Dec 31, 2024 |
| Loans, Net | $108.953M | Increased 13.17% from $96.274M at Dec 31, 2024 |
| Cash & Cash Equivalents | $9.143M | Decreased 43.76% from $16.256M at Dec 31, 2024 |
| Allowance for Credit Losses (Loans) | $847K | Increased from $700K at Dec 31, 2024 |
| Total Stockholders' Equity | $38.289M | Increased 4.4% from $36.675M at Dec 31, 2024 |
| Treasury Shares Purchased | 109,975 | Purchased for $1.232M during the nine months ended Sep 30, 2025 |
| EPS (3 months) | $0.28 | Increased from $0.15 in Q3 2024 |
| Diluted EPS | $0.28 | for the quarter ended June 30, 2025, up from $0.17 in Q2 2024 |
| Common Stock Par Value | $1.00 | remained constant per share |
| Reporting Period End Date | 20250331 | Indicates the specific date for which financial data is reported. |
| Filing Date | 20250507 | Shows when the report was officially submitted to the SEC. |
| Fiscal Year End | 2024-12-31 | The end date for the reporting period covered by the 10-K. |
Frequently Asked Questions
What are the latest SEC filings for Pfs Bancorp, Inc. (PFSB)?
Pfs Bancorp, Inc. has 16 recent SEC filings from Jan 2024 to Dec 2025, including 6 10-Q, 4 8-K, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of PFSB filings?
Across 16 filings, the sentiment breakdown is: 2 bullish, 13 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Pfs Bancorp, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Pfs Bancorp, Inc. (PFSB) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Pfs Bancorp, Inc.?
Key financial highlights from Pfs Bancorp, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for PFSB?
The investment thesis for PFSB includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Pfs Bancorp, Inc.?
Key executives identified across Pfs Bancorp, Inc.'s filings include Eric J. Heagy, Dale R. Tieman.
What are the main risk factors for Pfs Bancorp, Inc. stock?
Of PFSB's 15 assessed filings, 0 were flagged high-risk, 2 medium-risk, and 13 low-risk.
What are recent predictions and forward guidance from Pfs Bancorp, Inc.?
Forward guidance and predictions for Pfs Bancorp, Inc. are extracted from SEC filings as they are enriched.