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PFSB • CIK 0001967656
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest Income (Expense), Net | $4,687 | $5,032 | $5,643 | $5,964 |
| Provision for Loan, Lease, and Other Losses | $99 | $165 | $148 | $75 |
| Interest Income (Expense), after Provision for Loan Loss | $4,588 | $4,867 | $5,495 | $5,889 |
| Income Tax Expense (Benefit) | $240 | $202 | $405 | $346 |
| Net Income (Loss) Attributable to Parent | $1,008 | $905 | $1,671 | $1,703 |
| Weighted Average Number of Shares Outstanding, Basic | 1,552,520 | 1,594,547 | 1,518,727 | 1,464,770 |
| Weighted Average Number of Shares Outstanding, Diluted | 1,552,520 | 1,594,547 | 1,532,780 | 1,513,903 |
| Interest and Fee Income, Loans and Leases | $3,785 | $4,738 | $5,793 | $6,205 |
| Interest Income, Securities, Operating, Taxable | $1,005 | $1,563 | $1,740 | $1,698 |
| Interest Income, Securities, Operating, Tax Exempt | $501 | $549 | $532 | $522 |
| Dividend Income, Operating | $19 | $21 | $19 | $18 |
| Other Interest and Dividend Income | $1,246 | $1,143 | $855 | $769 |
| Interest and Dividend Income, Operating | $6,556 | $8,014 | $8,939 | $9,212 |
| Interest Expense, Deposits | $1,869 | $2,982 | $3,296 | $3,248 |
| Contractually Specified Servicing Fees, Amount | $71 | $65 | $58 | $54 |
| Noninterest Income, Other | $162 | $340 | $383 | $357 |
| Noninterest Income | $670 | $885 | $928 | $916 |
| Labor and Related Expense | $2,297 | $2,332 | $2,486 | $2,717 |
| Occupancy, Net | $255 | $279 | $327 | $319 |
| Depreciation | $150 | $151 | $130 | $124 |
| Information Technology and Data Processing | $539 | $545 | $453 | $454 |
| Professional Fees | $243 | $383 | $398 | $434 |
| Marketing Expense | $144 | $142 | $145 | $142 |
| Supplies Expense | $68 | $67 | $70 | $77 |
| Federal Deposit Insurance Corporation Premium Expense | $141 | $171 | $156 | $167 |
| Other Noninterest Expense | $162 | $575 | $182 | $322 |
| Noninterest Expense | $4,010 | $4,645 | $4,347 | $4,756 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $1,248 | $1,107 | $2,076 | $2,049 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $20,202 | $16,256 | $15,494 | $19,473 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $63,513 | $66,658 | $66,930 | $63,160 |
| DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss | $8,947 | $8,168 | $6,205 | $4,207 |
| EquitySecuritiesFvNiCurrentAndNoncurrent | $115 | $325 | $408 | $277 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | $90,715 | $96,274 | $108,869 | $111,560 |
| Property, Plant and Equipment, Net | $2,037 | $2,101 | $1,992 | $2,004 |
| Federal Home Loan Bank Stock | $347 | $347 | $354 | $375 |
| Interest Receivable | $689 | $733 | $757 | $724 |
| Cash Surrender Value of Life Insurance | $3,877 | $3,979 | $4,086 | $4,142 |
| Deferred Income Tax Assets, Net | $1,831 | $1,857 | $1,057 | $1,292 |
| Servicing Asset at Fair Value, Amount | $300 | $254 | $208 | $208 |
| Other Assets | $880 | $685 | $551 | $584 |
| Assets | $193,453 | $197,637 | $206,911 | $208,006 |
| Deferred Compensation Liability, Current | $921 | $645 | $691 | $737 |
| Accrued Income Taxes | $257 | $173 | $341 | $465 |
| Liabilities | $157,934 | $160,962 | $167,858 | $168,619 |
| Common Stock, Value, Issued | $17 | $17 | $17 | $17 |
| Additional Paid in Capital | $15,605 | $15,603 | $15,705 | $15,823 |
| Unearned ESOP Shares | $1,325 | $1,270 | $1,214 | $1,187 |
| Treasury Stock, Value | $400 | $463 | $1,788 | $2,040 |
| Retained Earnings (Accumulated Deficit) | $24,796 | $25,701 | $27,372 | $28,127 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-3,174 | $-3,313 | $-1,439 | $-1,753 |
| Stockholders' Equity Attributable to Parent | $35,519 | $36,675 | $39,053 | $39,387 |
| Demand Deposit Accounts | $20,810 | $17,952 | $18,783 | $18,492 |
| Deposits, Savings Deposits | $75,676 | $73,082 | $72,671 | $76,645 |
| Time Deposits | $59,675 | $68,553 | $75,024 | $72,364 |
| Deposits | $156,161 | $159,587 | $166,478 | $167,501 |
| DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest | $0 | $0 | $0 | $0 |
| DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss | $67,949 | $71,289 | $68,943 | $65,612 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $675 | $700 | $842 | $860 |
| Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment | $2,748 | $2,811 | $2,941 | $3,003 |
| Preferred Stock, Shares Authorized | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Preferred Stock, Shares Issued | 0 | 0 | 0 | 0 |
| Common Stock, Shares Authorized | 14,000,000 | 14,000,000 | 14,000,000 | 14,000,000 |
| Common Stock, Shares, Issued | 1,725,000 | 1,725,000 | 1,725,000 | 1,735,649 |
| Common Stock, Shares, Outstanding | 1,685,000 | 1,679,307 | 1,562,319 | 1,557,237 |
| Treasury Stock, Common, Shares | 40,000 | 45,693 | 162,681 | 178,412 |
| Common Stock, Shares Held in Employee Trust, Shares | — | — | 40,000 | 40,000 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $1,008 | $905 | $1,671 | $1,703 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect | $7,551 | $-3,946 | $-762 | $4,984 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $20,202 | $16,256 | $15,494 | $18,832 |
| Depreciation | $150 | $151 | $130 | $124 |
| Payments to Acquire Debt Securities, Available-for-sale | $6,795 | $11,784 | $7,089 | $506 |
| Provision for Loan, Lease, and Other Losses | $99 | $165 | $148 | $75 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $6,888 | $8,276 | $9,433 | $9,347 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $-450 | $-173 | $-11 | $70 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | $1,292 | $774 | $1,954 | $2,677 |
| Deferred Income Taxes and Tax Credits | $-65 | $30 | $56 | $-114 |
| Payments for (Proceeds from) Loans Receivable | $5,946 | $5,722 | $12,734 | $6,074 |
| Increase (Decrease) in Equity Securities, FV-NI | $27 | $210 | $83 | $-74 |
| Payments to Acquire Property, Plant, and Equipment | $44 | $219 | $21 | $79 |
| Gain (Loss) on Sales of Loans, Net | $-7 | $7 | $6 | $6 |
| Payments to Acquire Federal Home Loan Bank Stock | $17 | — | $7 | $21 |
| Gain (Loss) on Disposition of Property Plant Equipment | $-7 | $-4 | $-4 | $-4 |
| Net Cash Provided by (Used in) Investing Activities | $-11,704 | $-8,675 | $-8,464 | $5,344 |
| Bank Owned Life Insurance Income | $94 | $102 | $107 | $111 |
| Share-based Payment Arrangement, Noncash Expense | — | — | $93 | $93 |
| Employee Stock Ownership Plan (ESOP), Compensation Expense | $49 | $53 | $65 | $84 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $97 | $44 | $24 | $-54 |
| Net Cash Provided by (Used in) Operating Activities | $1,953 | $1,366 | $2,136 | $1,787 |
| Increase (Decrease) in Deposits | $-7,882 | $-5,452 | $420 | $-558 |
| Payments for Repurchase of Common Stock | $400 | $63 | $1,325 | $929 |
| Net Cash Provided by (Used in) Financing Activities | $17,302 | $3,363 | $5,566 | $-2,147 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $1,885 | $2,978 | $3,302 | $3,243 |
| Income Taxes Paid, Net | $23 | $268 | $178 | $510 |