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FS Bancorp ( (FSBW) ) has provided an announcement.
On January 21, 2026, FS Bancorp reported fourth-quarter 2025 net income of $8.4 million, or $1.10 per diluted share, up from $7.4 million, or $0.92 per diluted share, a year earlier, while full-year 2025 net income dipped to $33.3 million from $35.0 million in 2024. The company highlighted a stable net interest margin of 4.35%, 14.3% year-over-year deposit growth to $2.67 billion, and a 4.8% increase in net loans receivable to $2.62 billion, alongside modest declines in its largely home-improvement-based consumer loan portfolio. Book value and tangible book value per share rose to $41.55 and $39.65, respectively, supported by strong capital ratios and share repurchases, as well as additional noninterest income from bank-owned life insurance, partly offset by a $1.0 million credit provision tied to a single commercial construction relationship. Reflecting confidence in its capital position and operating performance, the board approved a 3.6% increase in the regular quarterly dividend to $0.29 per share, marking the 52nd consecutive quarterly payout, and the bank purchased a 122,000-square-foot building to consolidate its headquarters operations, signaling continued investment in long-term efficiency and infrastructure.
The most recent analyst rating on (FSBW) stock is a Buy with a $47.00 price target. To see the full list of analyst forecasts on FS Bancorp stock, see the FSBW Stock Forecast page.
Spark’s Take on FSBW Stock
According to Spark, TipRanks’ AI Analyst, FSBW is a Outperform.
FS Bancorp’s strong financial performance and attractive valuation are the primary drivers of its overall score. The company’s effective cash flow management and solid profitability support its financial health. The technical indicators suggest a stable market position, while the new share repurchase program indicates a commitment to enhancing shareholder value.
To see Spark’s full report on FSBW stock, click here.
More about FS Bancorp
FS Bancorp, Inc., headquartered in Mountlake Terrace, Washington, is the holding company for 1st Security Bank of Washington. Through its Commercial and Consumer Banking and Home Lending segments, it offers deposit products, residential and consumer loans, business and commercial real estate lending, cash management services, and originates one-to-four-family residential mortgages primarily for sale into secondary markets. The bank manages a diversified loan portfolio and investment assets, with a growing deposit base and a focus on book value and tangible book value expansion.
Average Trading Volume: 12,850
Technical Sentiment Signal: Strong Buy
Current Market Cap: $315.8M
For detailed information about FSBW stock, go to TipRanks’ Stock Analysis page.