FS Bancorp, Inc.

FS Bancorp, Inc.

FSBW
FS Bancorp, Inc.US flagNASDAQ Capital Market
44.04
USD
+1.02
- -
326.54MMarket Cap
FS Bancorp, Inc.
FSBW
(NASDAQ Capital Market)

Recent

price

44.04

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
2.49
2.29
3.47
4.38
5.15
7.4
9.52
9.95
9.3
10.19
14.83
14.34
15.14
18.15
18.16
19.54
20.25
Revenue per Share
0.25
0.24
0.88
0.65
0.76
1.49
1.82
2.27
3.29
2.56
4.57
4.42
3.75
4.63
4.48
4.35
4.44
Basic EPS, GAAP
0.58
0.51
-0.73
0.66
-0.82
-1.44
- -
2.27
2.38
0.76
-3.92
12.64
23.19
9.76
6.29
6.78
7.03
Free Cash Flow per Basic Share
- -
- -
- -
0.07
0.12
0.14
0.19
0.21
0.26
0.32
0.42
0.54
0.9
1
1.06
1.34
1.37
Dividend per Share
3.84
4.08
5.28
5.8
6.39
7.76
9.61
11.06
12.28
12.51
17.05
21.18
25.57
29.59
32.9
36.56
38.27
Book Value per Share
3.83
4.13
9.96
9.91
10.51
11.67
11.85
18.02
21.77
20.43
24.48
26.48
26.31
29.07
34.44
37.18
39.06
Tangible Book Value per Share
6
6
6
6
6
6
6
6
7
9
9
8
8
8
8
8
7
Basic Weighted Avg Shares
16
15
21
27
31
44
55
62
69
90
127
121
120
141
142
150
151
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
2
3
2
5
4
5
12
14
15
14
13
11
12
12
Depreciation Expense
2
2
5
4
5
9
10
14
24
23
39
37
30
36
35
33
33
Net Income, GAAP
- -
- -
- -
34
29.84
35.44
34.8
31.56
14.78
19.24
21.24
21.11
19.84
20.36
15.77
18.91
20.22
Effective Tax Rate (%)
9.95
10.41
25.37
14.73
14.74
20.13
19.06
22.86
35.39
25.17
30.82
30.83
24.78
25.5
24.67
22.27
21.92
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
22
9
7
17
17
109
22
17
147
100
118
97
242
60
355
185
223
LT Debt
25
27
60
62
66
75
81
122
180
200
230
248
232
264
296
308
314
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.65
6.02
18.19
11.7
12.37
21.04
20.62
22.7
30.56
22.46
30.53
22.97
15.55
16.67
14.37
12.41
12.08
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
179
179
217
LT Finance Leases
7
6
6
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
8
8
8
Market Capitalization
304
311
288

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
259
208
197
Accounts Receivable, Net
15
15
15
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
16.3%
6.25%
4.03%
Free Cash Flow
-20,224.43%
-86.91%
5.59%
Net Income, GAAP
18%
-2.3%
-4.79%
Sales/Revenue/Turnover
13.87%
3.58%
5.49%
Total Cash Common Dividend
29.47%
24.59%
24.16%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
27
36
36
43
142
2025
36
37
39
39
150
2026
37
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.09
1.17
1.34
0.96
4.48
2025
1.04
1.02
1.23
1.14
4.35
2026
1.06
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.26
0.26
0.27
0.27
1.06
2025
0.28
0.29
0.51
0.28
1.34
2026
0.29
- -
- -
- -
- -
Business
FS Bancorp, Inc. (Nasdaq: FSBW) is a bank holding company for 1st Security Bank of Washington that provides banking and financial services to local families, businesses, and industry niches primarily in Washington and Oregon. Founded in 1936 and headquartered in Mountlake Terrace, Washington, the company operates through two segments, Commercial and Consumer Banking and Home Lending, offering deposit products including checking accounts, money market deposit accounts, savings accounts, and certificates of deposit; commercial real estate loans, one-to-four-family residential mortgages, home equity loans, consumer loans such as indirect home improvement and marine loans, and commercial business loans; as well as mortgage lending for sale in secondary markets and loans held for investment, supported by 27 full-service branches, loan production offices, online banking, mobile apps, and telephone banking across suburban Puget Sound communities and other areas in the Pacific Northwest. In October 2025, FS Bancorp's board authorized an additional $5 million share repurchase program over 12 months ending October 27, 2026, to be conducted via open market or private transactions under Rule 10b5-1 and Rule 10b-18; the company also reported third-quarter 2025 net income of $9.2 million with diluted EPS of $1.18, total deposits of $2.69 billion up 5.2% quarter-over-quarter and 10.7% year-over-year driven by brokered CDs, and total loans of $2.63 billion reflecting growth in commercial and speculative real estate.

Company News

APIChatGPT
  • Is FS Bancorp (FSBW) a Great Value Stock Right Now?

  • FS Bancorp, Inc. Names Matt Mullet CEO

  • FS Bancorp (FSBW) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates

  • FS Bancorp (FSBW) Q1 Earnings Surpass Estimates

  • Should Value Investors Buy FS Bancorp (FSBW) Stock?

  • Analyzing Hanmi Financial (NASDAQ:HAFC) and FS Bancorp (NASDAQ:FSBW)

  • FS Bancorp, Inc. and Pacific West Bancorp to Merge

  • 1st Security Bank CEO Matthew Mullet joins the Federal Reserve Bank of San Francisco's Seattle Branch Board of Directors

  • Critical Survey: FS Bancorp (NASDAQ:FSBW) and Sierra Bancorp (NASDAQ:BSRR)

  • FS Bancorp (FSBW) Reports Q4 Earnings: What Key Metrics Have to Say

  • FS Bancorp (FSBW) Misses Q4 Earnings Estimates

  • FS Bancorp, Inc. Reports $8.4 Million of Net Income or $1.10 Per Diluted Share for the Fourth Quarter of 2025 and 3.6% Increase in Its Quarterly Dividend

  • Analyzing FS Bancorp (NASDAQ:FSBW) & First Hawaiian (NASDAQ:FHB)

  • Financial Survey: FS Bancorp (NASDAQ:FSBW) & WaFd (NASDAQ:WAFD)

  • 1st Security Bank Announces Omeed Salashoor as new Director of Home Lending

  • Reviewing FS Bancorp (NASDAQ:FSBW) and Westamerica Bancorporation (NASDAQ:WABC)

  • D.A. Davidson & CO. Sells 2,600 Shares of FS Bancorp, Inc. $FSBW

  • FS Bancorp, Inc. Authorizes Additional Share Repurchases

  • FS Bancorp (FSBW) Q3 Earnings and Revenues Surpass Estimates

  • FS Bancorp, Inc. Reports Third Quarter Net Income of $9.2 Million or $1.18 Per Diluted Share and Declares 51st Consecutive Quarterly Cash Dividend