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FS Bancorp, Inc.

Data quality: 83%
FSBW
Nasdaq Financial Services Depository Institutions
$41.05
▲ $0.52 (1.27%)
Mkt Cap: 307.90 M
Price
$41.05
Mkt Cap
307.90 M
Day Range
$40.55 — $41.05
52-Week Range
$36.66 — $44.22
Volume
9,530
Open $40.98
50D / 200D Avg
$40.27
1.92% above
50D / 200D Avg
$40.54
1.25% above

Quick Summary

Key Takeaways

ROE of 11.16% — decent returns on equity
Debt/Equity of 0.43 — conservative balance sheet
Generating 51.94 M in free cash flow
P/E of 9.23 — trading at a low valuation
Cash machine — converts 155.76% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)-4.79%
FCF Growth (3Y)-17.33%

Quality

Return on Equity
11.16%
Above sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
0.43
Below sector avg (0.49)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
9.23
Below sector avg (11.15)
P/B Ratio1.02
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2144 peers)
Metric Stock Sector Median
P/E 9.2 11.1
P/B 1.0 1.2
ROE % 11.2 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E 0.4 0.5

ETFs Holding This Stock

QABA logo QABA First Trust NASDAQ ABA Community Bank Index Fund
0.16% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.09% weight
EES logo EES WisdomTree U.S. SmallCap Fund
0.04% weight
GSSC logo GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF
0.03% weight
DES logo DES WisdomTree U.S. SmallCap Dividend Fund
0.02% weight
AVUV logo AVUV Avantis U.S. Small Cap Value ETF
0.02% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0.01% weight
AVSU logo AVSU Avantis Responsible U.S. Equity ETF
0.01% weight
IWV logo IWV iShares Russell 3000 ETF
0.00% weight
AVUS logo AVUS Avantis U.S. Equity ETF
0.00% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) -4.79% Earnings Growth (3Y) -3.83%
Revenue Growth (5Y) N/A Earnings Growth (5Y) -2.84%
Profitability
Revenue (TTM) N/A Net Income (TTM) 33.35 M
ROE 11.16% ROA 1.04%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 51.94 M
ROIC N/A FCF Growth (3Y) -17.33%
Safety
Debt / Equity 0.43 Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 285.64 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 9.23 Forward P/E N/A
P/B Ratio 1.02 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 16.87%
Market Cap 307.90 M Enterprise Value 375.93 M
Per Share
EPS (Diluted TTM) 4.29 Revenue / Share N/A
FCF / Share 6.92 OCF / Share 9.64
EPS CAGR (1Y) -1.61% EPS CAGR (5Y) -0.17%
EPS CAGR (10Y) 2.25%
Efficiency
CapEx / Revenue N/A FCF Conversion 155.76%
SBC-Adj. FCF 49.85 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — 4.61 M 3.19 M 3.01 M
Net Income 33.35 M 35.02 M 36.05 M 29.65 M 37.41 M
EPS (Diluted) 4.29 4.36 4.56 3.70 4.32
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses 14.92 M 13.53 M 13.07 M 10.74 M 10.79 M
D&A 2.80 M 2.50 M 2.60 M 2.50 M 2.70 M
Interest Expense 130.41 M 123.11 M 43.89 M 14.41 M 9.73 M
Income Tax 7.77 M 6.56 M 9.22 M 7.34 M 10.01 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 3.20 B 3.03 B 2.97 B 2.63 B 2.29 B
Total Liabilities 2.89 B 2.73 B 2.71 B 2.40 B 2.04 B
Shareholders' Equity 307.69 M 295.77 M 264.49 M 231.70 M 247.51 M
Total Debt 129.31 M 307.81 M 93.75 M 186.53 M 42.53 M
Cash & Equivalents 28.22 M 31.64 M 65.69 M 41.44 M 26.49 M
Current Assets — — — — —
Current Liabilities — — — — —