PFS Bancorp (PFS Bancorp) Effective Interest Rate on Debt % : 0.00% (As of Mar. 2024)

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What is PFS Bancorp Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. PFS Bancorp's annualized positive value of Interest Expense for the quarter that ended in Mar. 2024 was $2.60 Mil. PFS Bancorp's average total debt for the quarter that ended in Mar. 2024 was $0.00 Mil. Therefore, PFS Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2024 was N/A%.

PFS Bancorp Effective Interest Rate on Debt % Historical Data

The historical data trend for PFS Bancorp's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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PFS Bancorp Effective Interest Rate on Debt % Chart

PFS Bancorp Annual Data

Trend

Dec22

Dec23

Effective Interest Rate on Debt %

PFS Bancorp Quarterly Data
	Sep22	Dec22	Mar23	Sep23	Dec23	Mar24
Effective Interest Rate on Debt %	Get a 7-Day Free Trial			-	-	-	-	-

Competitive Comparison of PFS Bancorp's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, PFS Bancorp's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

PFS Bancorp's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, PFS Bancorp's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where PFS Bancorp's Effective Interest Rate on Debt % falls into.

PFS Bancorp Effective Interest Rate on Debt % Calculation

PFS Bancorp's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2023 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2022 )	+	Total Debt (A: Dec. 2023 ))	/ count )
=	-1 * -1.869	/	( (0	+	0)	/ 1 )
=	-1 * -1.869	/	0
=	N/A %

where

	Total Debt (A: Dec. 2022 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

	Total Debt (A: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

PFS Bancorp's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Dec. 2023 )	+	Total Debt (Q: Mar. 2024 ))	/ count )
=	-1 * -2.596	/	( (0	+	0)	/ 1 )
=	-1 * -2.596	/	0
=	N/A %

where

	Total Debt (Q: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

	Total Debt (Q: Mar. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	0	+	0
=	0

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2024) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

PFS Bancorp (OTCPK:PFSB) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

PFS Bancorp Effective Interest Rate on Debt % Related Terms

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PFS Bancorp (PFS Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » PFS Bancorp Inc (OTCPK:PFSB) » Definitions » Effective Interest Rate on Debt %

Comparable Companies

Traded in Other Exchanges

N/A

Address

1730 Fourth Street, Peru, IL, USA, 61354

Website

https://www.perufederalsavings.com

PFS Bancorp Inc is a federal chartered mutual savings bank. The Bank is primarily engaged in providing a full range of banking and financial services to individual and corporate customers in northern Illinois, primarily LaSalle County, from its two facilities located in Peru, Illinois.

Executives

Jonathan F. Brandt	director, other: Vice Chairman of the Board	1730 FOURTH STREET, PERU IL 61354
Brady James J. Iv	director	1730 FOURTH STREET, PERU IL 61354
Cynthia L. Kurkowski	director	1730 FOURTH STREET, PERU IL 61354
Eric J. Heagy	director, officer: President/CEO/CFO/Treasurer	1730 FOURTH STREET, PERU IL 61354
Dale R. Tieman	director, officer: EVP/COO/Corporate Secretary	1730 FOURTH STREET, PERU IL 61354
Michael J. Rooney	director, other: Chairman of the Board	1730 FOURTH STREET, PERU IL 61354
Christopher J. Vaske	officer: SVP and CLO	1730 FOURTH STREET, PERU IL 61354

PFS Bancorp (PFS Bancorp) Headlines

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