PFSB
PFS Bancorp, Inc.
OTC Markets OTCQBUSDEQUITY
Financial Services
DELAYED
Buy
+44/100
Last price
21.86
■ 0.00 (0.00%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
21.86
Prev close
21.86
Day high
21.86
Day low
21.86
Volume
100
Market cap
$33.80M
P/E (TTM)
19.52
52W range
12.71 – 23.00
Day trading desk
Gap from prior close
0.00%
Prior close 21.86
VWAP
—
—
Relative volume
0.00×
Quiet session
Session range
0.00%
21.86 – 21.86
Position in range
0%
Near session low
ATR (14D)
0.30
1.39% of price
Prior day high
22.23
PDH
Prior day low
21.86
PDL
Bid / ask spread
—
Quote not published
Session volume
—
Avg 2.14K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
-4.29%
-6.2%
1M
+2.73%
+1.3%
3M
+14.99%
+11.6%
6M
+33.29%
+18.3%
YTD
+40.13%
+26.2%
1Y
+73.35%
+57.6%
3Y
—
-81.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on PFSB open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
402.74K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jun 16, 25 | VASKE CHRISTOPHER J Officer |
— | 3.45K | — | Direct |
| Jun 16, 25 | TIEMAN DALE R Chief Operating Officer |
— | 3.45K | — | Direct |
| Jun 16, 25 | HEAGY ERIC J Chief Executive Officer |
— | 6.90K | — | Direct |
| May 23, 25 | BRADY JAMES J IV Director |
— | 3.45K | — | Direct |
| May 23, 25 | ROONEY MICHAEL J Chairman of the Board |
— | 3.45K | — | Direct |
| May 23, 25 | KURKOWSKI CYNTHIA L Director |
— | 3.45K | — | Direct |
| May 23, 25 | BRANDT JONATHAN F Director |
— | 3.45K | — | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BRADY JAMES J IV |
Director | 38.70K | Stock Award(Grant) |
BRANDT JONATHAN F |
Director | 43.45K | Stock Award(Grant) |
HEAGY ERIC J |
Chief Executive Officer | 20.62K | Stock Award(Grant) |
KURKOWSKI CYNTHIA L |
Director | 28.45K | Stock Award(Grant) |
ROONEY MICHAEL J |
Chairman of the Board | 43.45K | Stock Award(Grant) |
TIEMAN DALE R |
Chief Operating Officer | 9.63K | Stock Award(Grant) |
VASKE CHRISTOPHER J |
Officer | 6.54K | Stock Award(Grant) |
Fundamentals
Market cap$33.80M
Enterprise value$8.19M
Revenue (TTM)$6.80M
Gross profit$6.80M
EBITDA—
Net income$1.70M
EPS (TTM)$1.12
Free cash flow—
Total cash$23.02M
Total debt$0
Book value / share$27.38
Shares outstanding1.55M
Float1.30M
Short % of float—
Dividend yield0.00%
Beta (5Y)0.30
Valuation & profitability ratios
Trailing P/E19.52
Forward P/E—
PEG ratio—
Price / sales—
Price / book0.80
EV / revenue1.20
EV / EBITDA—
Gross margin0.00%
Operating margin31.83%
Profit margin25.03%
Return on equity4.42%
Return on assets0.82%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $6.57M | $5.92M | $5.35M | $4.67M | +11.1% |
| Operating revenue | $6.57M | $5.92M | $5.35M | $4.67M | +11.1% |
| Selling, general & admin | $2.79M | $2.65M | $2.58M | $2.27M | +5.4% |
| Pre-tax income | $2.08M | $1.11M | $1.25M | $986.00K | +87.5% |
| Tax provision | $405.00K | $202.00K | $240.00K | $155.00K | +100.5% |
| Net income | $1.67M | $905.00K | $1.01M | $831.00K | +84.6% |
| Net income to common | $1.67M | $905.00K | $1.01M | $831.00K | +84.6% |
| Basic EPS | 1.10 | 0.57 | 0.63 | 0.48 | +93.0% |
| Diluted EPS | 1.09 | 0.57 | 0.63 | 0.48 | +91.2% |
| Basic shares | 1.52M | 1.59M | 1.59M | 1.73M | -4.8% |
| Diluted shares | 1.53M | 1.59M | 1.59M | 1.73M | -3.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $15.49M | $16.26M | $20.20M | $12.65M | -4.7% |
| Accounts receivable | $757.00K | $733.00K | $689.00K | $592.00K | +3.3% |
| Property, plant & equipment | $1.99M | $2.10M | $2.04M | $2.15M | -5.2% |
| Goodwill & intangibles | $208.00K | $254.00K | $300.00K | $315.00K | -18.1% |
| Total assets | $206.91M | $197.64M | $193.45M | $174.13M | +4.7% |
| Total liabilities | $167.86M | $160.96M | $157.53M | $154.00M | +4.3% |
| Retained earnings | $27.37M | $25.70M | $24.80M | $23.83M | +6.5% |
| Shareholder equity | $39.05M | $36.67M | $35.92M | $20.14M | +6.5% |
| Net tangible assets | $38.84M | $36.42M | $35.62M | $19.82M | +6.7% |
| Shares issued | 1.73M | 1.73M | 1.73M | 1.73M | 0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $1.67M | $905.00K | $1.01M | $831.00K | +84.6% |
| Depreciation & amortisation | $130.00K | $151.00K | $150.00K | $145.00K | -13.9% |
| Stock-based compensation | $158.00K | $53.00K | $49.00K | $0 | +198.1% |
| Change in working capital | $158.00K | $204.00K | $369.00K | $243.00K | -22.5% |
| Operating cash flow | $2.14M | $1.37M | $1.94M | $2.21M | +56.4% |
| Capital expenditure | -$21.00K | -$219.00K | -$44.00K | -$136.00K | +90.4% |
| Investing cash flow | -$8.46M | -$8.68M | -$11.69M | -$2.90M | +2.4% |
| Share buybacks | -$1.32M | -$63.00K | -$400.00K | $0 | -2,003.2% |
| Financing cash flow | $5.57M | $3.36M | $17.30M | -$8.21M | +65.5% |
| Free cash flow | $2.12M | $1.15M | $1.89M | $2.07M | +84.4% |
| End cash position | $15.49M | $16.26M | $20.20M | $12.65M | -4.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $1.76M | $1.65M | $1.78M | $1.69M | $1.64M | — | +6.4% |
| Operating revenue | $1.76M | $1.65M | $1.78M | $1.69M | $1.64M | — | +6.4% |
| Selling, general & admin | $771.00K | $749.00K | $774.00K | $732.00K | $649.00K | — | +2.9% |
| Pre-tax income | $499.00K | $394.00K | $622.00K | $534.00K | $552.00K | — | +26.6% |
| Tax provision | $62.00K | $76.00K | $90.00K | $118.00K | $114.00K | — | -18.4% |
| Net income | $437.00K | $318.00K | $532.00K | $416.00K | $438.00K | — | +37.4% |
| Net income to common | $437.00K | $318.00K | $532.00K | $416.00K | $438.00K | — | +37.4% |
| Basic EPS | 0.29 | 0.21 | — | 0.28 | 0.28 | 0.18 | +38.1% |
| Diluted EPS | 0.28 | 0.21 | — | 0.28 | 0.28 | 0.18 | +33.3% |
| Basic shares | 1.51M | 1.51M | — | 1.51M | 1.55M | 1.58M | +0.2% |
| Diluted shares | 1.55M | 1.55M | — | 1.51M | 1.55M | 1.58M | +0.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $19.47M | $22.13M | $15.49M | $9.14M | $14.49M | -12.0% |
| Accounts receivable | $724.00K | $709.00K | $757.00K | $755.00K | $778.00K | +2.1% |
| Property, plant & equipment | $2.00M | $1.96M | $1.99M | $2.02M | $2.05M | +2.2% |
| Goodwill & intangibles | $208.00K | $208.00K | $208.00K | $254.00K | $254.00K | 0.0% |
| Total assets | $208.01M | $210.71M | $206.91M | $202.92M | $207.91M | -1.3% |
| Total liabilities | $168.62M | $171.73M | $167.86M | $164.63M | $170.14M | -1.8% |
| Retained earnings | $28.13M | $27.69M | $27.37M | $26.84M | $26.42M | +1.6% |
| Shareholder equity | $39.39M | $38.97M | $39.05M | $38.29M | $37.77M | +1.1% |
| Net tangible assets | $39.18M | $38.77M | $38.84M | $38.03M | $37.51M | +1.1% |
| Shares issued | 1.56M | 1.73M | 1.73M | 1.73M | 1.73M | -9.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $437.00K | $318.00K | $532.00K | $416.00K | $438.00K | — | +37.4% |
| Depreciation & amortisation | $30.00K | $31.00K | $32.00K | $31.00K | $33.00K | — | -3.2% |
| Stock-based compensation | $64.00K | $63.00K | $60.00K | $70.00K | $13.00K | — | +1.6% |
| Change in working capital | -$456.00K | $174.00K | -$83.00K | $220.00K | -$164.00K | — | -362.1% |
| Operating cash flow | -$104.00K | $704.00K | $624.00K | $563.00K | $381.00K | — | -114.8% |
| Capital expenditure | — | — | -$4.00K | -$2.00K | — | -$3.35M | — |
| Investing cash flow | $119.00K | $2.47M | $2.40M | $352.00K | -$6.88M | — | -95.2% |
| Share buybacks | -$51.00K | -$201.00K | -$93.00K | -$584.00K | -$442.00K | — | +74.6% |
| Financing cash flow | -$2.67M | $3.46M | $3.33M | -$6.26M | $2.19M | — | -177.2% |
| Free cash flow | -$177.00K | $704.00K | $620.00K | $561.00K | $3.71M | — | -125.1% |
| End cash position | $19.47M | $22.13M | $15.49M | $9.14M | $14.49M | — | -12.0% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders28.21%
Held by institutions8.45%
Institutions holding1
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
22.11
-1.14% from price
SMA 20
22.19
-1.49% from price
SMA 50
21.27
+2.78% from price
SMA 100
20.04
+9.10% from price
SMA 200
18.34
+19.18% from price
EMA 12
22.10
-1.08% from price
EMA 26
21.86
-0.02% from price
EMA 50
21.30
+2.62% from price
RSI (14)
50.3
Neutral
MACD (12,26,9)
0.23
Hist -0.10
ATR (14)
0.30
1.39% of price
Realised vol 30D
19.9%
Annualised
Bollinger upper
22.90
20, 2σ
Bollinger lower
21.49
20, 2σ
50 / 200 cross
Golden
21.27 vs 18.34
Trend bias
Above 200
+19.18%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
-0.04
Less volatile than market
Correlation to SPY
-0.03
Largely independent
Realised vol 30D
19.9%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-5.6%
Peak to trough
Max drawdown 5Y
-12.1%
Peak to trough
ATR 14
0.30
1.39% of price
Beta (reported)
0.30
5Y monthly, from filing
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q · 2026-08-05
Corporate Changes & Voting Matters
8-K · 2026-05-21
Periodic Financial Reports
10-Q · 2026-05-06
Proxy Statements
DEF 14A · 2026-04-16
Periodic Financial Reports
10-K · 2026-03-25
Corporate Changes & Voting Matters
8-K · 2025-12-03
Periodic Financial Reports
10-Q · 2025-11-06
Periodic Financial Reports
10-Q · 2025-08-08
PRIVATE STRATEGY · BY QUALIFICATION
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