1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
FS Bancorp

FS Bancorp

FXLG
FS BancorpUS flagOther OTC
46.32
USD
+0.02
- -
191.38MMarket Cap
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8.05
4.33
9.34
9.74
9
10.78
12.47
11.41
Basic EPS, GAAP
3.02
1.64
3.57
3.82
3.02
4.06
4.97
4.47
Free Cash Flow per Basic Share
2.38
1.48
3.68
2.38
4.61
5.84
4.39
- -
Dividend per Share
0.79
0.42
0.89
0.95
0.99
1.06
1.14
- -
Book Value per Share
18.89
10.71
24.27
27.24
29.32
32.57
37.38
34.88
Tangible Book Value per Share
18.26
10.55
23.09
19.81
23.01
26.01
30.86
27.9
Basic Weighted Avg Shares
4
9
4
4
4
4
4
4
Sales/Revenue/Turnover
35
38
40
42
39
46
52
48
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
1
- -
- -
Net Income, GAAP
13
14
15
16
13
17
21
19
Effective Tax Rate (%)
16.04
16.68
15.99
16.03
14.92
17.12
17.15
17.23
Profit Margin (%)
37.45
37.85
38.24
39.22
33.52
37.65
39.84
39.15
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
43
31
- -
10
- -
10
10
10
Total Equity
83
95
103
88
101
113
130
120
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
16.24
15.58
14.81
10.65
13.06
14.01
13.46

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4
- -
4
Market Capitalization
135
145
150

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
95
- -
128
Accounts Receivable, Net
- -
- -
- -
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
- -
7.2%
14.86%
Free Cash Flow
- -
15.94%
-27.01%
Net Income, GAAP
- -
9.08%
18.82%
Sales/Revenue/Turnover
- -
6.77%
12.29%
Total Cash Common Dividend
- -
4.98%
4.19%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
11
12
11
12
46
2025
12
13
14
- -
52
2026
13
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.91
1.02
1.01
1.12
4.06
2025
1.12
1.22
1.32
- -
4.97
2026
1.35
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.06
2025
- -
- -
- -
- -
1.14
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Joseph A. Urbanski
Full Time Employees
177
Sector
Financial Services
Industry
Banks - Regional
Address
516 South Detroit Street Lagrange IN United States of America 46761
IPO Date
Jan 29, 2008
Website
farmersstatebank.com
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Business
FS Bancorp (FXLG) operates as a bank holding company for its wholly owned subsidiary Farmers State Bank, which provides traditional community banking products and services to individuals, businesses, and agricultural customers primarily in LaGrange, Steuben, and Elkhart counties in Indiana and St. Joseph County in Michigan through 11 full-service offices; core offerings include checking, savings, health savings, and individual retirement accounts; certificates of deposit; consumer, commercial, real estate, installment, and agricultural loans; mortgages; overdraft protection; credit, debit, ATM, and gift cards; merchant services and capture; cash management; and digital solutions such as mobile, online, text, and telephone banking along with eStatements and digital wallets. Founded in June 1915 in Stroh, Indiana, and headquartered at 220 South Detroit Street in LaGrange, Indiana, the company maintains a strong commitment to its communities with over 100 years of operations as the only locally owned bank in the area, paying quarterly dividends including $0.23 per share payable December 19, 2025, with an ex-date of December 9, 2025, and recently demonstrating financial growth through 2024 revenue of $45.67 million, up 18.79% year-over-year, and net earnings of $17.28 million, up 33.38%, alongside consistent dividend yields around 2.8-3.3%.