FS Bancorp

FXLG

FXLGFS Bancorp US flag

Other OTC

46.30

USD

-0.02

- -

191.30MMarket Cap

Income Statement (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	35	38	40	42	39	46	52
+ Sales & Services Revenue	35	38	40	42	39	46	52
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	-19	-20	-22	-22	-23	-25	-26
- Operating Expenses	19	20	22	22	23	25	26
+ Selling, General & Admin	- -	1	1	- -	1	1	1
+ Research & Development	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	19	20	21	22	23	24	25
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-16	-17	-18	-20	-15	-21	-25
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-16	-17	-18	-20	-15	-21	-25
Pretax Income	16	17	18	20	15	21	25
- Income Tax Expense (Benefit)	3	3	3	3	2	4	4
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	13	14	15	16	13	17	21
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	13	14	15	16	13	17	21
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	13	14	15	16	13	17	21
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	13	14	15	16	13	17	21
EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
EBITA	-1	-1	-1	-1	-1	-1	- -
Gross Margin (%)	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	37.45	37.85	38.24	39.22	33.52	37.65	39.84
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.79	0.42	0.89	0.95	0.99	1.06	1.14
Depreciation Expense	1	1	1	1	1	1	- -
Basic Weighted Avg Shares	4	9	4	4	4	4	4
Basic EPS, GAAP	3.02	1.64	3.57	3.82	3.02	4.06	4.97
Basic EPS from Cont Ops	3.02	1.64	3.57	3.82	3.02	4.06	4.97
Diluted Weighted Avg Shares	4	9	4	4	4	4	4
Diluted EPS, GAAP	2.99	1.63	3.54	3.8	3.01	4.05	4.94
Diluted EPS from Cont Ops	2.99	1.63	3.54	3.8	3.01	4.05	4.94

Balance Sheet (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	76	101	72	90	94	95	112
+ Cash & Cash Equivalents	76	101	72	90	94	95	112
+ ST Investments	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	3	3	4	4	5	5	5
+ Accounts Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	3	3	4	4	5	5	5
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-78	-104	-76	-94	-99	-100	-117
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	11	11	10	10	10	11	11
+ Property, Plant & Equip	22	22	23	23	23	25	25
- Accumulated Depreciation	11	12	13	13	13	14	14
+ LT Investments & Receivables	103	174	319	294	232	265	238
+ LT Investments	103	174	319	294	232	265	238
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-114	-184	-329	-305	-242	-276	-249
+ Total Intangible Assets	3	3	3	3	3	3	3
+ Goodwill	3	3	3	3	3	3	3
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-116	-187	-332	-307	-245	-278	-251
Total Assets	838	994	1,094	1,179	1,165	1,230	1,275
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	1	1	1
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	-1	-1	-1
+ ST Debt	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	43	31	- -	10	- -	10	10
+ LT Borrowings	- -	- -	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-43	-31	- -	-10	- -	-10	-10
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-43	-31	- -	-10	- -	-10	-10
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	755	899	992	1,091	1,063	1,117	1,145
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	4	4	3	3	3	3	3
+ Common Stock	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	3	4	3	3	3	3	3
- Treasury Stock	6	7	8	9	10	12	16
+ Retained Earnings	83	93	105	117	126	139	154
+ Other Equity	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	83	95	103	88	101	113	130
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	83	95	103	88	101	113	130
Total Liabilities & Equity	838	994	1,094	1,179	1,165	1,230	1,275
Shares Outstanding	4	4	4	4	4	4	4
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -
Net Debt	-76	-101	-72	-90	-94	-95	-112
Net Debt to Equity	-91.32	-106.23	-70.5	-101.94	-93.05	-83.82	-85.87
Tangible Common Equity Ratio	9.58	9.29	9.16	7.26	8.5	9.02	10.02
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

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	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	13	14	15	16	13	17	21
+ Depreciation & Amortization	- -	- -	- -	- -	- -	- -	- -
+ Non-Cash Items	-1	-1	1	-1	4	5	-2
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	-2	-1	1	-1	4	5	-3
+ Chg in Non-Cash Work Cap	- -	- -	- -	-5	3	2	- -
+ (Inc) Dec in Accts Receiv	- -	- -	- -	-1	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	1	1	- -	-4	3	2	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	12	13	16	11	20	25	18
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-2	-1	- -	-1	- -	- -	- -
+ Acq of Fixed Prod Assets	-2	-1	- -	-1	- -	- -	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	-1	-1	-1	-2	-1	-2	-5
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	-1	-1	-1	-2	-1	-2	-5
+ Net Change in LT Investment	1	-66	-149	-6	66	-36	38
+ Dec in LT Investment	23	20	41	23	117	26	114
+ Inc in LT Investment	-22	-86	-190	-29	-50	-62	-77
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-73	-60	19	-78	-46	-34	-58
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-74	-126	-131	-85	21	-69	-21
+ Dividends Paid	-3	-4	-4	-4	-4	-5	-5
+ Net Cash From Debt	- -	-12	-32	10	-10	10	- -
+ Cash From Debt	- -	- -	- -	10	118	35	- -
+ Repayments of Debt	- -	-12	-32	- -	-128	-25	- -
+ Other Financing Activities	66	155	124	87	-18	42	28
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	61	138	87	92	-33	46	19
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-1	25	-27	18	7	1	17
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow	10	13	16	10	20	25	18
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	10	13	16	10	20	25	18
Free Cash Flow to Equity	- -	1	-16	20	10	35	18
Free Cash Flow per Basic Share	2.38	1.48	3.68	2.38	4.61	5.84	4.39
Price/Free Cash Flow	9.87	15.84	7.64	10.94	5.55	5.46	9.61
Cash Flow to Net Income	0.91	0.93	1.06	0.68	1.53	1.44	0.88
Capital Expenditures	-2	-1	- -	-1	- -	- -	- -