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Not financial advice. Analytical data for research only.
Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.
PFS Bancorp, Inc. ( PFS Bancorp, the Company or we ) was incorporated in February 2023 to become the holding company for Peru Federal Savings Bank ( Peru Federal or the Bank ) upon the conversion of Peru Federal from the mutual form of organization to the stock form of organization (the Conversion ). The Conversion was completed on October 17, 2023, and the Company sold 1,725,000 shares of comm…
$22.51
$0.07 (-0.31%)
EOD Sep 15, 2026
At 20x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
20.1x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue
N/A
Net Income (TTM)
$2M
▲ +84.6% YoY
Net Margin
—
P/E
20.1x
Balance Sheet
Total Assets
$208M
Equity
$39M
Total Debt
$0.00
Cash & Equiv.
$19M
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SourceComputed from the 10-Q filed 5 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 6 Aug 2026. How this is calculated.
Price from market data, last close as of 15 Sept 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.
At a P/E of 20.1 and a price-to-free-cash-flow of 19.6, PFS Bancorp (PFSB) trades below a two-stage DCF intrinsic value of about $32.49 per share, so at $22.51 the stock looks undervalued (44.3% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, PFS Bancorp scores 54/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about $32.49 per share for PFSB, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around $24.37. At today's $22.51, that puts the stock about 44.3% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
PFS Bancorp scores 54 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which makes it a mixed business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. PFSB currently trades below its estimated intrinsic value and scores 54/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.