FSBW
FS Bancorp, Inc.
Price Chart
Latest Quote
$41.34
-0.46 (-1.10%)
Current Price
| Previous Close | $41.80 |
| Open | $42.00 |
| Day High | $42.00 |
| Day Low | $40.74 |
| Volume | 3,408 |
Stock Information
| Quarterly Dividend / Yield | $1.16 / 2.78% |
| Shares Outstanding | 7.41M |
| Quarterly Dividend Yield | 2.78% |
| Quarterly Dividend | $1.16 |
| Total Debt | $222.82M |
| Cash Equivalents | $42.49M |
| Revenue | $144.04M |
| Net Income | $32.59M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $306.52M |
| P/E Ratio | 9.61 |
| EPS (TTM) | $4.30 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $402.35M |
| Sales | $144.04M |
| Income | $32.59M |
| Book/sh | $42.42 |
| Cash/sh | $5.73 |
| Employees | 585 |
Financial Ratios
| EPS Growth TTM | -2.40% |
Returns & Margins
| ROA | 1.06% |
| ROE | 10.82% |
| Operating Margin | 32.49% |
| Profit Margin | 23.02% |
Ownership
| Insider Ownership | 8.60% |
| Institutional Ownership | 68.18% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 8.06 |
| PEG | 1.35 |
| P/S | 2.13 |
| P/B | 0.97 |
Analyst Data
| Recommendation | buy |
| Target Price | $45.50 |
Technical Indicators
| SMA20 | $41.25 |
| SMA50 | $40.83 |
| SMA200 | $40.15 |
| RSI | 55.35 |
| ATR | 1.1505 |
| Shares Float | 4.11M |
| Short Float | 2.88% |
| Short Ratio | 16.54 |
| Volatility | 0.66 |
| Rel Volume | 0.25 |
Performance History
| Week | -0.02% |
| Month | +0.32% |
| Quarter | +4.39% |
| 6 Months | -4.31% |
| YTD | +2.60% |
| Year | +12.05% |
| 3 Years | +52.42% |
| 5 Years | +36.01% |
| 10 Years | +294.53% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $41.34 | 3,408 |
| 2026-06-22 | $41.80 | 17,500 |
| 2026-06-18 | $41.69 | 28,900 |
| 2026-06-17 | $41.18 | 17,600 |
| 2026-06-16 | $41.82 | 13,200 |
| 2026-06-15 | $41.35 | 12,300 |
| 2026-06-12 | $42.67 | 8,500 |
| 2026-06-11 | $42.40 | 12,800 |
| 2026-06-10 | $43.02 | 22,600 |
| 2026-06-09 | $41.75 | 16,900 |
| 2026-06-08 | $40.65 | 10,600 |
| 2026-06-05 | $40.89 | 22,000 |
| 2026-06-04 | $40.09 | 15,100 |
| 2026-06-03 | $39.08 | 18,600 |
| 2026-06-02 | $40.27 | 9,500 |
| 2026-06-01 | $40.72 | 11,900 |
| 2026-05-29 | $40.71 | 8,200 |
| 2026-05-28 | $41.56 | 10,000 |
| 2026-05-27 | $41.29 | 8,400 |
| 2026-05-26 | $40.65 | 8,300 |
About FS Bancorp, Inc.
FS Bancorp, Inc. operates as a bank holding company for 1st Security Bank of Washington that provides banking and financial services to local families, local and regional businesses, and industry niches in Washington. The company operates in two segments, Commercial and Consumer Banking; and Home Lending. It offers various deposit instruments, including checking accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company provides one-to-four-family residential first mortgages loans, home equity loan products, commercial business loans, commercial real estate loans, and construction and development loans, as well as consumer loans, which include personal lines of credit, credit cards, automobile, direct home improvement, loans on deposit, and recreational loans. Further, it provides online banking platforms, mobile banking apps, and telephone banking services, as well as cash management services. The company operates full bank service branches and home loan production offices in suburban communities in the greater Puget Sound area, including Snohomish, King, Pierce, Kitsap, Clallam, Jefferson, Grays Harbor, Thurston, and Benton counties; Oregon; and a loan production office in the market area of the Tri-Cities. The company was founded in 1936 and is headquartered in Mountlake Terrace, Washington.
đ° Latest News
FS Bancorp (FSBW) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
Zacks âĸ 2026-04-22T13:30:04Z
FS Bancorp (FSBW) Q1 Earnings Surpass Estimates
Zacks âĸ 2026-04-21T21:50:03Z
Should Value Investors Buy FS Bancorp (FSBW) Stock?
Zacks âĸ 2026-03-31T13:40:02Z
Washingtonâs FS Bancorp boosts Portland presence
Banking Dive âĸ 2026-02-27T12:32:41Z
Only Four Days Left To Cash In On FS Bancorp's (NASDAQ:FSBW) Dividend
Simply Wall St. âĸ 2026-02-01T14:37:40Z
FS Bancorp (NASDAQ:FSBW) Is Paying Out A Larger Dividend Than Last Year
Simply Wall St. âĸ 2026-01-25T13:04:37Z
FS Bancorp (FSBW) Reports Q4 Earnings: What Key Metrics Have to Say
Zacks âĸ 2026-01-22T14:30:05Z
FS Bancorp (FSBW) Misses Q4 Earnings Estimates
Zacks âĸ 2026-01-21T22:45:02Z
FS Bancorp: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-01-21T21:51:51ZWith 66% ownership of the shares, FS Bancorp, Inc. (NASDAQ:FSBW) is heavily dominated by institutional owners
Simply Wall St. âĸ 2025-12-13T12:54:30Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $149,765,000 | $141,976,000 | $141,367,000 | $119,670,000 |
| Operating Revenue | $149,765,000 | $141,976,000 | $141,367,000 | $119,670,000 |
| Expenses | ||||
| Interest Expense | $66,840,000 | $61,732,000 | $43,889,000 | $14,414,000 |
| Selling And Marketing Expense | $1,250,000 | $1,310,000 | $1,349,000 | $897,000 |
| General And Administrative Expense | $60,091,000 | $57,097,000 | $56,014,000 | $48,856,000 |
| Professional Expense And Contract Services Expense | $4,648,000 | $4,072,000 | $2,584,000 | $3,154,000 |
| Other Non Interest Expense | $22,735,000 | $21,953,000 | $19,922,000 | $16,805,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $33,346,000 | $35,024,000 | $36,053,000 | $29,649,000 |
| Net Interest Income | $130,406,000 | $123,105,000 | $123,303,000 | $104,280,000 |
| Interest Income | $197,246,000 | $184,837,000 | $167,192,000 | $118,694,000 |
| Normalized Income | $33,389,794 | $27,956,252 | $37,216,752 | $30,368,394 |
| Net Income From Continuing And Discontinued Operation | $33,346,000 | $35,024,000 | $36,053,000 | $29,649,000 |
| Net Income Common Stockholders | $32,780,000 | $34,452,000 | $35,475,000 | $29,095,000 |
| Net Income | $33,346,000 | $35,024,000 | $36,053,000 | $29,649,000 |
| Net Income Including Noncontrolling Interests | $33,346,000 | $35,024,000 | $36,053,000 | $29,649,000 |
| Net Income Continuous Operations | $33,346,000 | $35,024,000 | $36,053,000 | $29,649,000 |
| Pretax Income | $41,120,000 | $41,581,000 | $45,272,000 | $36,988,000 |
| Special Income Charges | $-54,000 | $38,000 | $-1,610,000 | $-897,000 |
| Depreciation Amortization Depletion Income Statement | $3,192,000 | $3,633,000 | $3,464,000 | $691,000 |
| Depreciation And Amortization In Income Statement | $3,192,000 | $3,633,000 | $3,464,000 | $691,000 |
| Amortization Of Intangibles Income Statement | $3,192,000 | $3,633,000 | $3,464,000 | $691,000 |
| Per Share | ||||
| Diluted EPS | $4.29 | $4.36 | $4.56 | $3.70 |
| Basic EPS | $4.35 | $4.48 | $4.63 | $3.75 |
| Other | ||||
| Tax Effect Of Unusual Items | $-10,206 | $1,326,252 | $-298,248 | $-177,606 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-54,000 | $8,394,000 | $-1,462,000 | $-897,000 |
| Total Unusual Items Excluding Goodwill | $-54,000 | $8,394,000 | $-1,462,000 | $-897,000 |
| Reconciled Depreciation | $11,935,000 | $10,566,000 | $12,649,000 | $14,004,000 |
| Diluted Average Shares | $7,772,960 | $8,033,028 | $7,906,360 | $8,013,243 |
| Basic Average Shares | $7,665,747 | $7,817,857 | $7,786,825 | $7,906,400 |
| Diluted NI Availto Com Stockholders | $32,780,000 | $34,452,000 | $35,475,000 | $29,095,000 |
| Otherunder Preferred Stock Dividend | $566,000 | $572,000 | $578,000 | $554,000 |
| Tax Provision | $7,774,000 | $6,557,000 | $9,219,000 | $7,339,000 |
| Impairment Of Capital Assets | $54,000 | $-38,000 | $48,000 | $-1,000 |
| Restructuring And Mergern Acquisition | $0 | $0 | $1,562,000 | $898,000 |
| Gain On Sale Of Security | $0 | $-7,836,000 | $0 | $0 |
| Amortization | $3,192,000 | $3,633,000 | $3,464,000 | $691,000 |
| Selling General And Administration | $61,341,000 | $58,407,000 | $57,363,000 | $49,753,000 |
| Insurance And Claims | $2,310,000 | $2,005,000 | $2,392,000 | $1,224,000 |
| Salaries And Wages | $57,781,000 | $55,092,000 | $53,622,000 | $47,632,000 |
| Occupancy And Equipment | $7,129,000 | $6,857,000 | $6,378,000 | $5,165,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-14
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $284,976,000 | $269,261,000 | $226,377,000 | $207,999,000 |
| Total Assets | $3,196,847,000 | $3,029,177,000 | $2,972,669,000 | $2,632,900,000 |
| Goodwill And Other Intangible Assets | $22,718,000 | $26,506,000 | $38,111,000 | $23,698,000 |
| Other Intangible Assets | $19,126,000 | $22,914,000 | $34,519,000 | $21,386,000 |
| Receivables | $14,614,000 | $13,881,000 | $14,005,000 | $11,144,000 |
| Accounts Receivable | $14,614,000 | $13,881,000 | $14,005,000 | $11,144,000 |
| Cash And Cash Equivalents | $28,219,000 | $33,362,000 | $89,858,000 | $46,149,000 |
| Cash Financial | $13,504,000 | $19,280,000 | $17,083,000 | $10,525,000 |
| Cash Cash Equivalents And Federal Funds Sold | $28,219,000 | $33,362,000 | $89,858,000 | $46,149,000 |
| Debt | ||||
| Net Debt | $150,747,000 | $316,038,000 | $53,415,000 | $189,840,000 |
| Total Debt | $184,855,000 | $354,956,000 | $60,271,000 | $242,463,000 |
| Long Term Debt And Capital Lease Obligation | $184,855,000 | $354,956,000 | $60,271,000 | $242,463,000 |
| Long Term Debt | $178,966,000 | $349,400,000 | $53,423,000 | $235,989,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,889,153,000 | $2,733,410,000 | $2,708,181,000 | $2,401,203,000 |
| Non Current Deferred Liabilities | - | - | - | - |
| Non Current Deferred Taxes Liabilities | - | - | - | - |
| Equity | ||||
| Common Stock Equity | $307,694,000 | $295,767,000 | $264,488,000 | $231,697,000 |
| Total Equity Gross Minority Interest | $307,694,000 | $295,767,000 | $264,488,000 | $231,697,000 |
| Stockholders Equity | $307,694,000 | $295,767,000 | $264,488,000 | $231,697,000 |
| Gains Losses Not Affecting Retained Earnings | $-15,829,000 | $-17,140,000 | $-23,306,000 | $-25,632,000 |
| Other Equity Adjustments | $-15,829,000 | $-17,140,000 | $-23,306,000 | $-25,632,000 |
| Retained Earnings | $280,197,000 | $257,113,000 | $230,354,000 | $202,065,000 |
| Other | ||||
| Ordinary Shares Number | $7,507,519 | $7,833,014 | $7,800,545 | $7,736,185 |
| Share Issued | $7,507,519 | $7,833,014 | $7,800,545 | $7,736,185 |
| Tangible Book Value | $284,976,000 | $269,261,000 | $226,377,000 | $207,999,000 |
| Invested Capital | $486,660,000 | $645,167,000 | $317,911,000 | $467,686,000 |
| Capital Lease Obligations | $5,889,000 | $5,556,000 | $6,848,000 | $6,474,000 |
| Total Capitalization | $486,660,000 | $645,167,000 | $317,911,000 | $467,686,000 |
| Additional Paid In Capital | $43,251,000 | $55,716,000 | $57,362,000 | $55,187,000 |
| Capital Stock | $75,000 | $78,000 | $78,000 | $77,000 |
| Common Stock | $75,000 | $78,000 | $78,000 | $77,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $5,889,000 | $5,556,000 | $6,848,000 | $6,474,000 |
| Investments And Advances | $321,891,000 | $289,630,000 | $301,388,000 | $237,721,000 |
| Held To Maturity Securities | $33,224,000 | $8,455,000 | $8,455,000 | $8,469,000 |
| Available For Sale Securities | $108,970,000 | $113,789,000 | $188,568,000 | - |
| Goodwill | $3,592,000 | $3,592,000 | $3,592,000 | $2,312,000 |
| Net PPE | $49,854,000 | $35,134,000 | $37,205,000 | $31,345,000 |
| Accumulated Depreciation | $-24,753,000 | $-27,297,000 | $-26,996,000 | $-24,442,000 |
| Gross PPE | $74,607,000 | $62,431,000 | $64,201,000 | $55,787,000 |
| Leases | $2,874,000 | $2,880,000 | $2,680,000 | $2,461,000 |
| Construction In Progress | $382,000 | $211,000 | $150,000 | $537,000 |
| Other Properties | $5,789,000 | $5,378,000 | $6,627,000 | $6,226,000 |
| Machinery Furniture Equipment | $17,443,000 | $16,831,000 | $17,962,000 | $16,226,000 |
| Buildings And Improvements | $37,786,000 | $29,206,000 | $28,857,000 | $24,622,000 |
| Land And Improvements | $10,333,000 | $7,925,000 | $7,925,000 | $5,715,000 |
| Other Short Term Investments | $179,697,000 | $167,386,000 | $104,365,000 | $229,252,000 |
Fetched: 2026-06-14
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $51,939,000 | $49,188,000 | $75,998,000 | $183,347,000 |
| Operating Activities | ||||
| Operating Cash Flow | $72,313,000 | $50,823,000 | $77,669,000 | $184,898,000 |
| Cash Flow From Continuing Operating Activities | $72,313,000 | $50,823,000 | $77,669,000 | $184,898,000 |
| Operating Gains Losses | $-8,838,000 | $-9,077,000 | $-6,711,000 | $-7,917,000 |
| Investing Activities | ||||
| Capital Expenditure | $-20,374,000 | $-1,635,000 | $-1,671,000 | $-1,551,000 |
| Investing Cash Flow | $-206,433,000 | $-104,197,000 | $77,669,000 | $-504,044,000 |
| Cash Flow From Continuing Investing Activities | $-206,433,000 | $-104,197,000 | $77,669,000 | $-504,044,000 |
| Net Other Investing Changes | $10,964,000 | $-13,326,000 | $9,215,000 | $-4,519,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-15,887,000 | $-2,894,000 | $-578,000 | $-15,818,000 |
| Financing Cash Flow | $130,704,000 | $19,318,000 | $-131,084,000 | $334,092,000 |
| Cash Flow From Continuing Financing Activities | $130,704,000 | $19,318,000 | $-131,084,000 | $334,092,000 |
| Cash Dividends Paid | $-10,262,000 | $-8,265,000 | $-7,764,000 | $-7,096,000 |
| Common Stock Dividend Paid | $-10,262,000 | $-8,265,000 | $-7,764,000 | $-7,096,000 |
| Net Common Stock Issuance | $-15,887,000 | $-2,894,000 | $-578,000 | $-15,818,000 |
| Other | ||||
| Repayment Of Debt | $-1,128,438,000 | $-753,709,000 | $-2,257,120,000 | $-2,859,617,000 |
| Issuance Of Debt | $949,937,000 | $967,769,000 | $2,164,338,000 | $3,003,617,000 |
| Interest Paid Supplemental Data | $65,154,000 | $63,061,000 | $38,744,000 | $10,968,000 |
| Income Tax Paid Supplemental Data | $184,000 | $2,370,000 | $10,396,000 | $4,693,000 |
| End Cash Position | $28,219,000 | $31,635,000 | $65,691,000 | $41,437,000 |
| Beginning Cash Position | $31,635,000 | $65,691,000 | $41,437,000 | $26,491,000 |
| Changes In Cash | $-3,416,000 | $-34,056,000 | $24,254,000 | $14,946,000 |
| Proceeds From Stock Option Exercised | $1,165,000 | $-558,000 | $744,000 | $1,071,000 |
| Common Stock Payments | $-15,887,000 | $-2,894,000 | $-578,000 | $-15,818,000 |
| Net Issuance Payments Of Debt | $-178,501,000 | $214,060,000 | $-92,782,000 | $144,000,000 |
| Net Long Term Debt Issuance | $-178,501,000 | $214,060,000 | $-92,782,000 | $144,000,000 |
| Long Term Debt Payments | $-1,128,438,000 | $-753,709,000 | $-2,257,120,000 | $-2,859,617,000 |
| Long Term Debt Issuance | $949,937,000 | $967,769,000 | $2,164,338,000 | $3,003,617,000 |
| Net Investment Purchase And Sale | $-26,337,000 | $9,283,000 | $-58,735,000 | $-2,767,000 |
| Sale Of Investment | $73,284,000 | $119,623,000 | $17,295,000 | $21,201,000 |
| Purchase Of Investment | $-99,621,000 | $-110,340,000 | $-76,030,000 | $-23,968,000 |
| Net Business Purchase And Sale | $0 | $0 | $336,157,000 | $0 |
| Sale Of Business | $0 | $0 | $336,157,000 | $0 |
| Net Intangibles Purchase And Sale | $0 | $16,309,000 | $0 | $0 |
| Sale Of Intangibles | $0 | $16,309,000 | $0 | $0 |
| Net PPE Purchase And Sale | $-20,374,000 | $-1,635,000 | $-1,671,000 | $-1,551,000 |
| Purchase Of PPE | $-20,374,000 | $-1,635,000 | $-1,671,000 | $-1,551,000 |
| Change In Working Capital | $350,000 | $2,874,000 | $-3,733,000 | $1,193,000 |
| Change In Other Current Liabilities | $-3,578,000 | $-5,301,000 | $3,093,000 | $2,616,000 |
| Change In Other Current Assets | $4,661,000 | $8,051,000 | $-4,495,000 | $2,127,000 |
| Change In Receivables | $-733,000 | $124,000 | $-2,331,000 | $-3,550,000 |
| Changes In Account Receivables | $-733,000 | $124,000 | $-2,331,000 | $-3,550,000 |
| Other Non Cash Items | $24,620,000 | $8,457,000 | $33,272,000 | $140,626,000 |
| Stock Based Compensation | $2,254,000 | $1,806,000 | $2,010,000 | $1,971,000 |
| Asset Impairment Charge | $54,000 | $-38,000 | $48,000 | $-1,000 |
| Deferred Tax | $-954,000 | $-4,300,000 | $-693,000 | $-844,000 |
| Deferred Income Tax | $-954,000 | $-4,300,000 | $-693,000 | $-844,000 |
| Depreciation Amortization Depletion | $11,935,000 | $10,566,000 | $12,649,000 | $14,004,000 |
| Depreciation And Amortization | $11,935,000 | $10,566,000 | $12,649,000 | $14,004,000 |
| Depreciation | $11,935,000 | $10,566,000 | $12,649,000 | $14,004,000 |
| Gain Loss On Investment Securities | $0 | $7,836,000 | $0 | $0 |
| Gain Loss On Sale Of PPE | $39,000 | $-8,356,000 | $0 | $0 |
| Net Income From Continuing Operations | $33,346,000 | $35,024,000 | $36,053,000 | $29,649,000 |
Fetched: 2026-06-14