Provides checking and savings accounts to individuals and businesses. Offers individual retirement accounts (IRAs) and certificates of deposit (CDs). Now — the numbers.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
There is not enough trading history here to call this an established business.
The market pays 20.4× for every dollar of annual profit — around what a business like this usually costs.
No analyst target is on record for this company.
Executives buying with their own money is usually read as confidence in the company’s future.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
Over the last 12 months, company executives reported 17 buys and 5 sells. Management buying with its own money is usually read as a good sign.
The sales tempo runs behind the sector.
Against everything we grade, PFSB lands near the bottom. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: PFSB does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
Not covered, because the filings we hold do not carry it: earnings execution.