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FS Bancorp, Inc. FSBW R2K

Financial Services · Banks - Regional · United States
https://www.fsbwa.com
Company Profile ↓
$43.47
+5.82% 1Y
Mkt Cap$322.71M
P/E10.11
P/B1.02
Div. Yield2.68%
52W High$44.34
52W Low$36.57
Book Value$42.42
EPS (TTM)$4.30

Company Overview

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.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 26.7% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 70.7% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 10.1, below the sector median of 13.5.

Healthy Margins

Maintains a net profit margin of 23.0%.

Dividend Income

Offers a dividend yield of 2.68%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $149.76M (+5.5% YoY); net profit $33.35M.
  • Trailing 12 Months Year-on-year growth — revenue +2.6%, earnings +1.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 70.7%, profit CAGR 26.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:70.69%
1 Year:2.60%

Compounded Profit Growth

5 Years:26.66%
1 Year:1.00%

Stock Price Performance

1 Year:+5.82%
6 Months:+6.28%
3 Months:+8.30%
1 Month:+1.87%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 89% of range
$36.57 $44.34
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.76 · Neutral
Price Performance
1M+1.87%
3M+8.30%
6M+6.28%
1Y+5.82%
Valuation vs Sector

P/E of 10.11 is below the sector median of 13.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 23.0%.
  • Compounding revenue at 70.7% over 5 years.
  • Profit CAGR of 26.7% over 5 years.
  • Attractive dividend yield of 2.68%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.11
Industry PE
13.52
Forward P/E
8.47
PEG Ratio
1.35
Book Value
$42.42
Price to Book
1.02
P/S
2.23
EV/EBITDA
-
Dividend Yield
2.68%

Growth (CAGR)

Revenue 5Y
70.69%
Profit 5Y
26.66%
Revenue (YoY)
2.60%
Earnings (YoY)
1.00%

Profitability & Returns

ROCE
-
ROE
10.82%
ROA
1.06%
Profit Margin
23.02%
Op Margin
32.49%
Gross Margin
0.00%
EPS (Latest Qtr)
$1.02
EPS (TTM)
$4.30

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$222.82M
Total Assets
$3.20B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
8.60%
Chg in Prom Hold
-
FII / Inst Holding
68.17%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
$322.71M
Total Revenue (TTM)
$144.04M
EBITDA
-
Free Cash Flow
$51.94M
Operating Cash Flow
$72.85M
Shares Outstanding
7.42M
Gross Margin
0.00%
Payout Ratio
26.28%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FSBW FS Bancorp, Inc. R2K 43.47 10.11 $322.71M 2.68% - 10.82% 70.69% 26.66%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2013Jun 2013Sep 2013Mar 2014Jun 2014Sep 2014Mar 2015Jun 2015Sep 2015Mar 2016Jun 2016Sep 2016Mar 2017Jun 2017Sep 2017Mar 2018Jun 2018Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue ------------------694.00K749.00K724.00K701.00K589.00K676.00K688.00K758.00K777.00K759.00K809.00K812.00K914.00K1.27M1.24M1.13M1.17M-----
Net Income 1.24M1.09M1.06M875.00K986.00K1.15M2.07M2.79M2.00M1.66M2.83M3.46M2.59M4.36M3.45M4.32M4.26M4.05M5.19M4.46M7.14M5.17M10.02M12.71M11.88M8.55M8.33M6.87M6.70M8.46M8.21M9.12M8.95M8.40M8.96M10.29M8.02M7.73M9.18M7.83M
Diluted EPS 0.410.360.350.290.330.390.700.930.660.550.961.180.851.411.071.151.131.071.150.981.581.141.151.471.350.980.980.830.831.081.041.161.131.061.131.291.010.991.181.02

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------3.55M1.75M2.91M2.67M-119.67M141.37M141.98M149.76M
Cost of Revenue ---------------
Gross Profit ---------------
Operating Expenses ---------------
Operating Income ---------------
EBITDA ---------------
Interest Expense -----------14.41M43.89M61.73M66.84M
Pretax Income -----------36.99M45.27M41.58M41.12M
Tax Provision -----------7.34M9.22M6.56M7.77M
Net Income 1.54M5.29M3.92M4.54M8.88M10.50M14.09M24.35M22.72M39.26M-29.65M36.05M35.02M33.35M
Diluted EPS -1.761.291.522.933.514.286.295.014.49-3.704.564.364.29

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -283.79M359.03M419.19M509.75M677.56M827.93M981.78M1.62B1.71B2.11B2.29B2.63B2.97B3.03B3.20B
Total Equity 24.80M26.77M59.90M62.31M65.84M75.34M81.03M122.00M180.04M200.24M230.01M247.51M231.70M264.49M295.77M307.69M
Cash & Equivalents 35.25M19.25M6.79M38.46M15.55M24.45M36.46M18.91M32.78M45.78M91.58M26.49M41.44M65.69M31.64M28.22M
Long Term Debt ---------84.86M165.81M42.53M186.53M---
Total Liabilities -257.03M299.13M356.87M443.92M602.22M746.89M859.78M1.44B1.51B1.88B2.04B2.40B2.71B2.73B2.89B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 4.73M-759.00K6.10M-4.03M-7.06M3.59M15.08M21.44M9.18M-32.32M109.01M184.90M77.67M50.82M72.31M
Investing Cash Flow -10.19M-80.78M-31.73M-99.89M-139.77M53.26M-169.41M-186.96M-55.20M-270.69M-310.83M-504.04M77.67M-104.20M-206.43M
Financing Cash Flow -10.54M69.08M57.30M81.01M155.73M-44.85M136.79M179.39M59.02M348.81M136.74M334.09M-131.08M19.32M130.70M
Capital Expenditure -1.40M-3.64M-2.07M-873.00K-1.51M-3.60M-1.02M-3.80M-2.46M-1.38M-1.98M-1.55M-1.67M-1.64M-20.37M
Free Cash Flow 3.33M-4.40M4.03M-4.90M-8.57M-7.00K14.07M17.64M6.71M-33.70M107.03M183.35M76.00M49.19M51.94M
Share Buybacks --02.22M101.00K4.90M275.00K251.00K4.80M9.80M13.96M15.63M223.00K2.51M15.42M
Dividends Paid -0451.00K704.00K826.00K1.09M1.33M1.92M2.86M3.57M4.60M7.10M---

Ratios (Annual)

Figures in %.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ---------------
Operating Margin % ---------------
Net Margin % ------397.0%1,395.2%779.8%1,473.3%-24.8%25.5%24.7%22.3%
ROE % 5.8%8.8%6.3%6.9%11.8%13.0%11.5%13.5%11.3%17.1%-12.8%13.6%11.8%10.8%
ROCE % ---------------

Shareholding Pattern

Insiders
8.60%
Institutions
68.17%
Public Float
74.59%

Top Institutional Holders

#Holder% HeldSharesValue
1 T. Rowe Price Investment Management, Inc. 18.43% 997.94K $43.17M
2 Blackrock Inc. 8.07% 436.79K $18.90M
3 Dimensional Fund Advisors LP 7.73% 418.29K $18.10M
4 De Lisle Partners LLP 7.23% 391.65K $16.94M
5 Vanguard Capital Management LLC 6.01% 325.25K $14.07M
6 Pacific Ridge Capital Partners, LLC 3.84% 208.09K $9.00M
7 Geode Capital Management, LLC 2.83% 153.01K $6.62M
8 TCW Group, Inc. 2.81% 152.03K $6.58M
9 Alliancebernstein L.P. 2.68% 144.84K $6.27M
10 State Street Corporation 2.37% 128.31K $5.55M

Analyst View

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Latest News

Recent headlines for FSBW

Google News Wed, 15 Jul 2026

FS Bancorp (NASDAQ: FSBW) plans Pacific West stock-and-cash merger - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiwgFBVV95cUxPTnFHSmQ1cWd5eWhPVk9EaXFEYzA2RWRFMVBmWjFiZWRQaExmZzRhMFVfeWt3dEkyRjlMZndUd3ViSXhma05hSV9ZN3VIWnhDeExrT1ZTWkptcjNSUk1US0J3WUhObzRjU0lrbkxlRXVpZk10eWJZYzZ4cm1NblVIcE9NZDZkRERvVWp4dm…

Google News Sun, 12 Jul 2026

(FSBW) and the Role of Price-Sensitive Allocations - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxOWm83MF9xZm5OYzhRbnBzNHFNVHFUaHJRSVE4VmY0dVhmWUd0V1BIVG5WS3VucUxnejg1aHRvYno1bl9fR1lXaWJnb09wWV96QUVRQzV6cmVZTHYyVGNGRHBFNDBHWmhSLUU0QXlLUGdRMWlpelYzV1FkM2FPeGl0UHdTRmJXRmlMa2xyZE…

Google News Mon, 13 Jul 2026

FS Bancorp (FSBW) to acquire Pacific West Bancorp in $16.8M cash plus stock deal - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiwgFBVV95cUxPM0RMenBmdk1FVzhaQ0h3a1hQS3p5aV95VFl2MFZXMVZjT1RxR0xLTDZfbkJuUTJqYng0N1BoOU1OTkFSaGxRLU96Z0JucTFNRHkzTm5JUllmeTBYREhmU0JUSTAzWWt3MTRaTEdKdUhKZjRoZFFPODlvaEhQNUpJZFYzUlpXYWE5TEYtRG…

Google News ue, 07 Jul 2026

Loan losses (actual) of FS Bancorp, Inc. – NASDAQ:FSBW - TradingView

<a href="https://news.google.com/rss/articles/CBMikwFBVV95cUxQb0FDLS03WjFtbHhIMjFvRHRBbzBPREV2TmI1U0tIM29tTDE0SVA0UnNUcXRyd0Z5UWxsdk1xdXRuWE5SUDN6bjBiV3JCQ1hhZmhwdzhrZ3k2TDNvV0ZiNWs4cE9yOWwwWm0waDQzSTVTUTdrZlZvVXNZV2t0b2thQllOeGdIbS10eG8xZT…

Google News Sun, 25 Jan 2026

FS Bancorp (NASDAQ:FSBW) Will Pay A Larger Dividend Than Last Year At $0.29 - simplywall.st

<a href="https://news.google.com/rss/articles/CBMixAFBVV95cUxNY0dxYkM0ZURjMXRGX2F0WEZPU21IVGRhS0I4dlhCZnRuY05CUzI3STBvZ25uUmd0Uk5DbWpYOExLbjZBYm9xTFl1ekZxMi01VHdGaUM1dXY3TkliaGt6RERaa042SGpoZUxCblZHSm1KZGZJTWJsX3FpVm1yMUZRYTh4OUl4cEVMVXVsV0…

Google News Wed, 01 Jul 2026

Responsive Playbooks and the FSBW Inflection - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMiwgFBVV95cUxQWmhCUk9tTDZQQVliUWpfNEZyek55dkNnWEF6MkgySFFKZnlHNmZPVFNJUk03eVAzaElyT2U3eXZrcGJmQklXdl9PMjJHMGxOOGRyek9HTzVFUmltZzFEekZDZWZoZ05NSEl1MEY4OHFVS053ckRGRVF3RGc2RzgyOE9NQzc2WUtTUDYwZl…

FSBW — Frequently Asked Questions

What is the current share price of FS Bancorp, Inc. (FSBW)?

As of 2026-07-15 16:51 PDT, FS Bancorp, Inc. (FSBW) trades at $43.47 on NasdaqCM. Its 52-week range is $36.57 to $44.34.

What is the market capitalisation of FSBW?

FS Bancorp, Inc. (FSBW) has a market capitalisation of $322.71M on NasdaqCM.

What is the P/E ratio of FSBW?

FSBW trades at a trailing price-to-earnings (P/E) ratio of 10.11. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 1.02.

Does FSBW pay a dividend?

FS Bancorp, Inc. (FSBW) currently offers a dividend yield of 2.68%.

What is the return on equity (ROE) of FSBW?

FSBW has a return on equity (ROE) of 10.82%.

Is FSBW a good stock to buy?

This page provides a data-driven analysis of FS Bancorp, Inc. (FSBW), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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