_id
69148c3bccc777a4e85d9a0a
Ticker
PFSB
Name
Pennfed Financial Services Inc
Exchange
OTCQB
Address
1730 Fourth Street, Peru, IL, United States, 61354
Country
USA
Sector
Financial Services
Industry
Banks - Regional
Currency
USD
Website
https://www.perufederalsavings.com
Description
PFS Bancorp, Inc. operates as a bank holding company for Peru Federal Savings Bank, a federally chartered mutual savings bank that provides banking and financial products and services to individual and corporate customers in the United States. The company offers checking accounts, savings accounts, individual retirement accounts, and certificate of deposit accounts; and non-interest-bearing demand, NOW savings, money market, and time deposits. It also provides one- to four-family residential mortgage, multi-family real estate, commercial real estate, agricultural real estate, construction and land development, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company offers electronic banking services, including mobile banking, on-line banking, and bill pay, as well as electronic funds transfer services through Zelle; and invests in securities. PFS Bancorp, Inc. was founded in 1887 and is based in Peru, Illinois.
Last Close
15.5
Volume
18
Current Price
15.57
Change
-0.1
Last Updated
2026-01-06T09:06:04.679Z
Image
data:image/webp;base64,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
Ipo Date
-
Market Cap
24915682
Next Dividend Date
-
Dividend Frequency
-
Dividend Rate
-
Dividend Yield
0
Sentiment
-
Sentiment Sources
0
Current Quarter
2025-09-30
Revenue
1686000
Cost Of Revenue
-
Gross Profit
-
Operating Expenses
-
Operating Income
-
Interest Expense
829000
Pretax Income
534000
Net Income
416000
Eps
0.26508093889629475
Dividends Per Share
-
Shares Outstanding
1603945
Income Tax Expense
-
EBITDA
-
Operating Margin
-
Total Other Income Expense Net
-
Cash
9143000
Short Term Investments
46183000
Receivables
755000
Inventories
-
Total Current Assets
-
Property Plant Equipment
2020000
Total Assets
202920000
Payables
-
Short Term Debt
-
Long Term Debt
-
Total Liabilities
164631000
Equity
38289000
Bs_currency_symbol
USD
Depreciation
31000
Change In Working Capital
220000
Cash From Operations
563000
Capital Expenditures
2000
Cash From Investing
-
Cash From Financing
-6261000
Net Change In Cash
-5346000
Cf_currency_symbol
USD
PE
19.1778
PB
0.6381597649455457
ROE
1.0864739220141555
ROA
0.20500689927064852
FCF
561000
Fcf Percent
0.33274021352313166
Piotroski FScore
4
Health Score
51
Deep Value Investing Score
6.5
Defensive Investing Score
3.5
Dividend Investing Score
3
Economic Moat Investing Score
7.8
Garp Investing Score
2.5
Growth Investing Score
3
Momentum Investing Score
4
Net Net Investing Score
4.5
Quality Investing Score
5.5
Value Investing Score
6
Quarters > 0 > quarter
2025-09-30
Quarters > 0 > income Statement > revenue
1686000
Quarters > 0 > income Statement > cost Of Revenue
-
Quarters > 0 > income Statement > gross Profit
-
Quarters > 0 > income Statement > operating Expenses
-
Quarters > 0 > income Statement > operating Income
-
Quarters > 0 > income Statement > interest Expense
829000
Quarters > 0 > income Statement > pretax Income
534000
Quarters > 0 > income Statement > net Income
416000
Quarters > 0 > income Statement > eps
0.26508093889629475
Quarters > 0 > income Statement > dividends Per Share
-
Quarters > 0 > income Statement > shares Outstanding
1569332
Quarters > 0 > income Statement > income Tax Expense
-
Quarters > 0 > income Statement > EBITDA
-
Quarters > 0 > income Statement > operating Margin
-
Quarters > 0 > income Statement > total Other Income Expense Net
-
Quarters > 0 > income Statement > currency_symbol
USD
Quarters > 0 > balance Sheet > cash
9143000
Quarters > 0 > balance Sheet > short Term Investments
46183000
Quarters > 0 > balance Sheet > receivables
755000
Quarters > 0 > balance Sheet > inventories
-
Quarters > 0 > balance Sheet > total Current Assets
-
Quarters > 0 > balance Sheet > property Plant Equipment
2020000
Quarters > 0 > balance Sheet > total Assets
202920000
Quarters > 0 > balance Sheet > payables
-
Quarters > 0 > balance Sheet > short Term Debt
-
Quarters > 0 > balance Sheet > long Term Debt
-
Quarters > 0 > balance Sheet > total Liabilities
164631000
Quarters > 0 > balance Sheet > equity
38289000
Quarters > 0 > balance Sheet > currency_symbol
USD
Quarters > 0 > cash Flow > net Income
416000
Quarters > 0 > cash Flow > depreciation
31000
Quarters > 0 > cash Flow > change In Working Capital
220000
Quarters > 0 > cash Flow > cash From Operations
563000
Quarters > 0 > cash Flow > capital Expenditures
2000
Quarters > 0 > cash Flow > cash From Investing
-
Quarters > 0 > cash Flow > cash From Financing
-6261000
Quarters > 0 > cash Flow > net Change In Cash
-5346000
Quarters > 0 > cash Flow > currency_symbol
USD
Quarters > 0 > ratios > PE
0.26508093889629475
Quarters > 0 > ratios > PB
0.6381597649455457
Quarters > 0 > ratios > ROE
1.0864739220141555
Quarters > 0 > ratios > ROA
0.20500689927064852
Quarters > 0 > ratios > FCF
561000
Quarters > 0 > ratios > Piotroski FScore
4
Quarters > 0 > ratios > fcf Percent
0.33274021352313166
Quarters > 0 > health Score
51
Quarters > 1 > quarter
2025-06-30
Quarters > 1 > income Statement > revenue
1644000
Quarters > 1 > income Statement > cost Of Revenue
-
Quarters > 1 > income Statement > gross Profit
-
Quarters > 1 > income Statement > operating Expenses
-
Quarters > 1 > income Statement > operating Income
-
Quarters > 1 > income Statement > interest Expense
813000
Quarters > 1 > income Statement > pretax Income
552000
Quarters > 1 > income Statement > net Income
438000
Quarters > 1 > income Statement > eps
0.27086662477922513
Quarters > 1 > income Statement > dividends Per Share
-
Quarters > 1 > income Statement > shares Outstanding
1617032
Quarters > 1 > income Statement > income Tax Expense
-
Quarters > 1 > income Statement > EBITDA
-
Quarters > 1 > income Statement > operating Margin
-
Quarters > 1 > income Statement > total Other Income Expense Net
-
Quarters > 1 > income Statement > currency_symbol
USD
Quarters > 1 > balance Sheet > cash
14489000
Quarters > 1 > balance Sheet > short Term Investments
71123000
Quarters > 1 > balance Sheet > receivables
778000
Quarters > 1 > balance Sheet > inventories
-
Quarters > 1 > balance Sheet > total Current Assets
-
Quarters > 1 > balance Sheet > property Plant Equipment
2049000
Quarters > 1 > balance Sheet > total Assets
207906000
Quarters > 1 > balance Sheet > payables
-
Quarters > 1 > balance Sheet > short Term Debt
-
Quarters > 1 > balance Sheet > long Term Debt
-
Quarters > 1 > balance Sheet > total Liabilities
170140000
Quarters > 1 > balance Sheet > equity
37766000
Quarters > 1 > balance Sheet > currency_symbol
USD
Quarters > 1 > cash Flow > net Income
438000
Quarters > 1 > cash Flow > depreciation
33000
Quarters > 1 > cash Flow > change In Working Capital
-164000
Quarters > 1 > cash Flow > cash From Operations
381000
Quarters > 1 > cash Flow > capital Expenditures
0
Quarters > 1 > cash Flow > cash From Investing
-
Quarters > 1 > cash Flow > cash From Financing
2191000
Quarters > 1 > cash Flow > net Change In Cash
-4306000
Quarters > 1 > cash Flow > currency_symbol
USD
Quarters > 1 > ratios > PE
0.27086662477922513
Quarters > 1 > ratios > PB
0.6666628247630143
Quarters > 1 > ratios > ROE
1.1597733411004607
Quarters > 1 > ratios > ROA
0.2106721306744394
Quarters > 1 > ratios > FCF
381000
Quarters > 1 > ratios > Piotroski FScore
3
Quarters > 1 > ratios > fcf Percent
0.23175182481751824
Quarters > 1 > health Score
50
Quarters > 2 > quarter
2025-03-31
Quarters > 2 > income Statement > revenue
1460000
Quarters > 2 > income Statement > cost Of Revenue
-
Quarters > 2 > income Statement > gross Profit
-
Quarters > 2 > income Statement > operating Expenses
-
Quarters > 2 > income Statement > operating Income
-
Quarters > 2 > income Statement > interest Expense
813000
Quarters > 2 > income Statement > pretax Income
369000
Quarters > 2 > income Statement > net Income
285000
Quarters > 2 > income Statement > eps
0.1716593435385315
Quarters > 2 > income Statement > dividends Per Share
-
Quarters > 2 > income Statement > shares Outstanding
1660265
Quarters > 2 > income Statement > income Tax Expense
-
Quarters > 2 > income Statement > EBITDA
-
Quarters > 2 > income Statement > operating Margin
-
Quarters > 2 > income Statement > total Other Income Expense Net
-
Quarters > 2 > income Statement > currency_symbol
USD
Quarters > 2 > balance Sheet > cash
18795000
Quarters > 2 > balance Sheet > short Term Investments
68767000
Quarters > 2 > balance Sheet > receivables
712000
Quarters > 2 > balance Sheet > inventories
-
Quarters > 2 > balance Sheet > total Current Assets
-
Quarters > 2 > balance Sheet > property Plant Equipment
2082000
Quarters > 2 > balance Sheet > total Assets
205006000
Quarters > 2 > balance Sheet > payables
-
Quarters > 2 > balance Sheet > short Term Debt
-
Quarters > 2 > balance Sheet > long Term Debt
-
Quarters > 2 > balance Sheet > total Liabilities
167594000
Quarters > 2 > balance Sheet > equity
37412000
Quarters > 2 > balance Sheet > currency_symbol
USD
Quarters > 2 > cash Flow > net Income
285000
Quarters > 2 > cash Flow > depreciation
34000
Quarters > 2 > cash Flow > change In Working Capital
185000
Quarters > 2 > cash Flow > cash From Operations
568000
Quarters > 2 > cash Flow > capital Expenditures
15000
Quarters > 2 > cash Flow > cash From Investing
-
Quarters > 2 > cash Flow > cash From Financing
6311000
Quarters > 2 > cash Flow > net Change In Cash
2539000
Quarters > 2 > cash Flow > currency_symbol
USD
Quarters > 2 > ratios > PE
0.1716593435385315
Quarters > 2 > ratios > PB
0.6909634889874907
Quarters > 2 > ratios > ROE
0.7617876617128194
Quarters > 2 > ratios > ROA
0.1390203213564481
Quarters > 2 > ratios > FCF
553000
Quarters > 2 > ratios > Piotroski FScore
4
Quarters > 2 > ratios > fcf Percent
0.37876712328767126
Quarters > 2 > health Score
51
Quarters > 3 > quarter
2024-12-31
Quarters > 3 > income Statement > revenue
1658000
Quarters > 3 > income Statement > cost Of Revenue
-
Quarters > 3 > income Statement > gross Profit
-
Quarters > 3 > income Statement > operating Expenses
-
Quarters > 3 > income Statement > operating Income
-
Quarters > 3 > income Statement > interest Expense
809000
Quarters > 3 > income Statement > pretax Income
152000
Quarters > 3 > income Statement > net Income
113000
Quarters > 3 > income Statement > eps
0.06728966174737555
Quarters > 3 > income Statement > dividends Per Share
-
Quarters > 3 > income Statement > shares Outstanding
1679307
Quarters > 3 > income Statement > income Tax Expense
-
Quarters > 3 > income Statement > EBITDA
-
Quarters > 3 > income Statement > operating Margin
-
Quarters > 3 > income Statement > total Other Income Expense Net
-
Quarters > 3 > income Statement > currency_symbol
USD
Quarters > 3 > balance Sheet > cash
16256000
Quarters > 3 > balance Sheet > short Term Investments
42573000
Quarters > 3 > balance Sheet > receivables
733000
Quarters > 3 > balance Sheet > inventories
-
Quarters > 3 > balance Sheet > total Current Assets
-
Quarters > 3 > balance Sheet > property Plant Equipment
2101000
Quarters > 3 > balance Sheet > total Assets
197637000
Quarters > 3 > balance Sheet > payables
-
Quarters > 3 > balance Sheet > short Term Debt
-
Quarters > 3 > balance Sheet > long Term Debt
-
Quarters > 3 > balance Sheet > total Liabilities
160962000
Quarters > 3 > balance Sheet > equity
36675000
Quarters > 3 > balance Sheet > currency_symbol
USD
Quarters > 3 > cash Flow > net Income
113000
Quarters > 3 > cash Flow > depreciation
33000
Quarters > 3 > cash Flow > change In Working Capital
-123000
Quarters > 3 > cash Flow > cash From Operations
-16000
Quarters > 3 > cash Flow > capital Expenditures
68000
Quarters > 3 > cash Flow > cash From Investing
-
Quarters > 3 > cash Flow > cash From Financing
917000
Quarters > 3 > cash Flow > net Change In Cash
1806000
Quarters > 3 > cash Flow > currency_symbol
USD
Quarters > 3 > ratios > PE
0.06728966174737555
Quarters > 3 > ratios > PB
0.7129327877300614
Quarters > 3 > ratios > ROE
0.30811179277436945
Quarters > 3 > ratios > ROA
0.05717552887364208
Quarters > 3 > ratios > FCF
-84000
Quarters > 3 > ratios > Piotroski FScore
2
Quarters > 3 > ratios > fcf Percent
-0.05066344993968637
Quarters > 3 > health Score
31
Annuals > 0 > quarter
2024-12-31
Annuals > 0 > income Statement > revenue
5917000
Annuals > 0 > income Statement > cost Of Revenue
-
Annuals > 0 > income Statement > gross Profit
-
Annuals > 0 > income Statement > operating Expenses
-
Annuals > 0 > income Statement > operating Income
-
Annuals > 0 > income Statement > interest Expense
2982000
Annuals > 0 > income Statement > pretax Income
1107000
Annuals > 0 > income Statement > net Income
905000
Annuals > 0 > income Statement > eps
0.5389127777112821
Annuals > 0 > income Statement > dividends Per Share
-
Annuals > 0 > income Statement > shares Outstanding
1679307
Annuals > 0 > income Statement > income Tax Expense
-
Annuals > 0 > income Statement > EBITDA
-
Annuals > 0 > income Statement > operating Margin
-
Annuals > 0 > income Statement > total Other Income Expense Net
-
Annuals > 0 > income Statement > currency_symbol
USD
Annuals > 0 > balance Sheet > cash
16256000
Annuals > 0 > balance Sheet > short Term Investments
42573000
Annuals > 0 > balance Sheet > receivables
733000
Annuals > 0 > balance Sheet > inventories
-
Annuals > 0 > balance Sheet > total Current Assets
-
Annuals > 0 > balance Sheet > property Plant Equipment
2101000
Annuals > 0 > balance Sheet > total Assets
197637000
Annuals > 0 > balance Sheet > payables
-
Annuals > 0 > balance Sheet > short Term Debt
-
Annuals > 0 > balance Sheet > long Term Debt
-
Annuals > 0 > balance Sheet > total Liabilities
160962000
Annuals > 0 > balance Sheet > equity
36675000
Annuals > 0 > balance Sheet > currency_symbol
USD
Annuals > 0 > cash Flow > net Income
905000
Annuals > 0 > cash Flow > depreciation
151000
Annuals > 0 > cash Flow > change In Working Capital
204000
Annuals > 0 > cash Flow > cash From Operations
1366000
Annuals > 0 > cash Flow > capital Expenditures
219000
Annuals > 0 > cash Flow > cash From Investing
-
Annuals > 0 > cash Flow > cash From Financing
3363000
Annuals > 0 > cash Flow > net Change In Cash
-3946000
Annuals > 0 > cash Flow > currency_symbol
USD
Annuals > 0 > ratios > PE
0.5389127777112821
Annuals > 0 > ratios > PB
0.7097275664621677
Annuals > 0 > ratios > ROE
2.467620995228357
Annuals > 0 > ratios > ROA
0.45791020912076175
Annuals > 0 > ratios > FCF
1147000
Annuals > 0 > ratios > Piotroski FScore
3
Annuals > 0 > ratios > fcf Percent
0.19384823390231537
Annuals > 0 > health Score
51
Annuals > 1 > quarter
2023-12-31
Annuals > 1 > income Statement > revenue
5350000
Annuals > 1 > income Statement > cost Of Revenue
-
Annuals > 1 > income Statement > gross Profit
-
Annuals > 1 > income Statement > operating Expenses
-
Annuals > 1 > income Statement > operating Income
-
Annuals > 1 > income Statement > interest Expense
1869000
Annuals > 1 > income Statement > pretax Income
1248000
Annuals > 1 > income Statement > net Income
1008000
Annuals > 1 > income Statement > eps
0.5982195845697329
Annuals > 1 > income Statement > dividends Per Share
-
Annuals > 1 > income Statement > shares Outstanding
1685000
Annuals > 1 > income Statement > income Tax Expense
-
Annuals > 1 > income Statement > EBITDA
-
Annuals > 1 > income Statement > operating Margin
-
Annuals > 1 > income Statement > total Other Income Expense Net
-
Annuals > 1 > income Statement > currency_symbol
USD
Annuals > 1 > balance Sheet > cash
20202000
Annuals > 1 > balance Sheet > short Term Investments
63513000
Annuals > 1 > balance Sheet > receivables
689000
Annuals > 1 > balance Sheet > inventories
-
Annuals > 1 > balance Sheet > total Current Assets
-
Annuals > 1 > balance Sheet > property Plant Equipment
2037000
Annuals > 1 > balance Sheet > total Assets
193453000
Annuals > 1 > balance Sheet > payables
-
Annuals > 1 > balance Sheet > short Term Debt
-
Annuals > 1 > balance Sheet > long Term Debt
-
Annuals > 1 > balance Sheet > total Liabilities
157534000
Annuals > 1 > balance Sheet > equity
35919000
Annuals > 1 > balance Sheet > currency_symbol
USD
Annuals > 1 > cash Flow > net Income
1008000
Annuals > 1 > cash Flow > depreciation
150000
Annuals > 1 > cash Flow > change In Working Capital
369000
Annuals > 1 > cash Flow > cash From Operations
1937000
Annuals > 1 > cash Flow > capital Expenditures
44000
Annuals > 1 > cash Flow > cash From Investing
-
Annuals > 1 > cash Flow > cash From Financing
17302000
Annuals > 1 > cash Flow > net Change In Cash
7551000
Annuals > 1 > cash Flow > currency_symbol
USD
Annuals > 1 > ratios > PE
0.5982195845697329
Annuals > 1 > ratios > PB
0.7271221359169242
Annuals > 1 > ratios > ROE
2.8063142069656726
Annuals > 1 > ratios > ROA
0.5210567941567202
Annuals > 1 > ratios > FCF
1893000
Annuals > 1 > ratios > Piotroski FScore
4
Annuals > 1 > ratios > fcf Percent
0.3538317757009346
Annuals > 1 > health Score
53
Annuals > 2 > quarter
2022-12-31
Annuals > 2 > income Statement > revenue
4672000
Annuals > 2 > income Statement > cost Of Revenue
-
Annuals > 2 > income Statement > gross Profit
-
Annuals > 2 > income Statement > operating Expenses
-
Annuals > 2 > income Statement > operating Income
-
Annuals > 2 > income Statement > interest Expense
640000
Annuals > 2 > income Statement > pretax Income
986000
Annuals > 2 > income Statement > net Income
831000
Annuals > 2 > income Statement > eps
0.4817391304347826
Annuals > 2 > income Statement > dividends Per Share
-
Annuals > 2 > income Statement > shares Outstanding
1725000
Annuals > 2 > income Statement > income Tax Expense
-
Annuals > 2 > income Statement > EBITDA
-
Annuals > 2 > income Statement > operating Margin
-
Annuals > 2 > income Statement > total Other Income Expense Net
-
Annuals > 2 > income Statement > currency_symbol
USD
Annuals > 2 > balance Sheet > cash
12651000
Annuals > 2 > balance Sheet > short Term Investments
63329000
Annuals > 2 > balance Sheet > receivables
592000
Annuals > 2 > balance Sheet > inventories
-
Annuals > 2 > balance Sheet > total Current Assets
-
Annuals > 2 > balance Sheet > property Plant Equipment
2150000
Annuals > 2 > balance Sheet > total Assets
174134000
Annuals > 2 > balance Sheet > payables
-
Annuals > 2 > balance Sheet > short Term Debt
-
Annuals > 2 > balance Sheet > long Term Debt
-
Annuals > 2 > balance Sheet > total Liabilities
153995000
Annuals > 2 > balance Sheet > equity
20139000
Annuals > 2 > balance Sheet > currency_symbol
USD
Annuals > 2 > cash Flow > net Income
831000
Annuals > 2 > cash Flow > depreciation
145000
Annuals > 2 > cash Flow > change In Working Capital
243000
Annuals > 2 > cash Flow > cash From Operations
2209000
Annuals > 2 > cash Flow > capital Expenditures
136000
Annuals > 2 > cash Flow > cash From Investing
-
Annuals > 2 > cash Flow > cash From Financing
-8205000
Annuals > 2 > cash Flow > net Change In Cash
-8891000
Annuals > 2 > cash Flow > currency_symbol
USD
Annuals > 2 > ratios > PE
0.4817391304347826
Annuals > 2 > ratios > PB
1.3276478474601519
Annuals > 2 > ratios > ROE
4.126322061671384
Annuals > 2 > ratios > ROA
0.47721869364971803
Annuals > 2 > ratios > FCF
2073000
Annuals > 2 > ratios > Piotroski FScore
3
Annuals > 2 > ratios > fcf Percent
0.4437071917808219
Annuals > 2 > health Score
54
Valuation > metrics > PE
19.1778
Valuation > metrics > PB
0.6381597649455457
Valuation > final Score
100
Valuation > verdict
18.1% Undervalued
Profitability > metrics > ROE
1.0864739220141555
Profitability > metrics > Net Margin
0.24673784104389088
Profitability > final Score
47
Profitability > verdict
Weak
Risk > metrics > Debt Equity
4.299694429209434
Risk > metrics > Interest Coverage
0
Risk > final Score
6
Risk > verdict
High
Liquidity > final Score
50
Liquidity > verdict
Weak
Prev Valuations > 0
90
Prev Valuations > 1
90
Prev Valuations > 2
90
Prev Profitabilities > 0
47
Prev Profitabilities > 1
46
Prev Profitabilities > 2
26
Prev Risks > 0
6
Prev Risks > 1
6
Prev Risks > 2
6
Prev Liquidities > 0
50
Prev Liquidities > 1
50
Prev Liquidities > 2
50
Updated At
2026-01-20T22:23:11.189Z
PFS Bancorp, Inc. operates as a bank holding company for Peru Federal Savings Bank, a federally chartered mutual savings bank that provides banking and financial products and services to individual and corporate customers in the United States. The company offers checking accounts, savings accounts, individual retirement accounts, and certificate of deposit accounts; and non-interest-bearing demand, NOW savings, money market, and time deposits. It also provides one- to four-family residential mortgage, multi-family real estate, commercial real estate, agricultural real estate, construction and land development, commercial, and consumer loans, as well as home equity loans and lines of credit. In addition, the company offers electronic banking services, including mobile banking, on-line banking, and bill pay, as well as electronic funds transfer services through Zelle; and invests in securities. PFS Bancorp, Inc. was founded in 1887 and is based in Peru, Illinois.
Stock Price
$0.00
decrease compared to yesterday.
Dividend
Frequency:
Rate:
N/ANext Payout:
N/A(Last Updated 2025-09-30)
Health Score
Price to Earnings Ratio (P/E)
-
High
Low ≥ 50
High ≤ 10
Price to Book Ratio (P/B)
-
Very Low
Low ≤ 1
High ≥ 3
Return on Equity (ROE)
-
Very Low
Low ≤ 5%
High ≥ 25%
Return on Assets (ROA)
-
Very Low
Low ≤ 2%
High ≥ 10%
Free Cash Flow - Revenue % (FCF)
-
Very High
Low ≤ 5%
High ≥ 15%
Debt to Equity
-
Very Low
Low ≥ 1
High ≤ 0.3
* Institutions hold a combined 0.00% of the total shares of Pennfed Financial Services Inc
* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.
No earnings data available.
(Last Updated 2025-09-30)
(Last Updated 2025-09-30)
Revenue
$ 0
Cost Of Revenue
$ 0
Gross Profit
$ 0
Operating Expenses
$ 0
Operating Income
$ 0
Interest Expense
$ 0
Pretax Income
$ 0
Net Income
$ 0
Income Tax Expense
$ 0
EBITDA
$ 0
Total Other Income Expense Net
$ 0
Earnings Per Share
0
Dividends Per Share
0
Shares Outstanding
0
Operating Margin
0%
(Last Updated 2025-09-30)
Cash
$ 0
Short Term Investments
$ 0
Receivables
$ 0
Inventories
$ 0
Total Current Assets
$ 0
Property Plant Equipment
$ 0
Total Assets
$ 0
Payables
$ 0
Short Term Debt
$ 0
Long Term Debt
$ 0
Total Liabilities
$ 0
Equity
$ 0
(Last Updated 2025-09-30)
Net Income
$ 0
Depreciation
$ 0
Change In Working Capital
$ 0
Cash From Operations
$ 0
Capital Expenditures
$ 0
Cash From Investing
$ 0
Cash From Financing
$ 0
Net Change In Cash
$ 0
Disclaimer: Finnton is a stock screener tool provided for informational and educational purposes only. The data, analysis, and insights offered on this website do not constitute financial, investment, tax, or legal advice. Users are solely responsible for their own investment decisions, and Finnton makes no guarantees regarding the accuracy, completeness, or reliability of the information provided. Past performance is not indicative of future results. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.