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FS Bancorp Inc (FSBW)
NASDAQ:FSBW
FSBW Stock Chart & Stats
$39.80
$0.47(1.18%)
At close: 4:00 PM EST
$39.80
$0.47(1.18%)
Day’s Range― - ―
52-Week Range$34.61 - $44.22
Previous CloseN/A
Volume4.28K
Average Volume (3M)16.67K
Market Cap
$299.23M
Enterprise Value$426.81M
Total Cash (Recent Filing)$258.63M
Total Debt (Recent Filing)$185.94M
Price to Earnings (P/E)9.3
Beta0.77
Next Earnings
Apr 29, 2026EPS Estimate
1.01Next Dividend Ex-DateN/A
Dividend Yield3.17%
Share Statistics
EPS (TTM)1.10
Shares Outstanding7,518,462
10 Day Avg. Volume12,963
30 Day Avg. Volume16,669
Financial Highlights & Ratios
PEG Ratio-2.79
Price to Book (P/B)1.07
Price to Sales (P/S)1.55
P/FCF Ratio6.43
Enterprise Value/Market Cap1.43
Enterprise Value/Revenue1.94
Enterprise Value/Gross Profit2.91
Enterprise Value/Ebitda8.10
Forecast
1Y Price Target
$46.00Price Target Upside15.58% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)4.4
Revenue Forecast (FY)$158.66M
Bulls Say, Bears Say
Bulls Say
Cash GenerationFS Bancorp's very strong free cash flow growth and an operating-cash-flow-to-net-income ratio of 6.16 indicate durable cash conversion. This sustained cash generation supports lending, buffers credit cycles, funds dividends/share repurchases, and provides long-term capital flexibility without relying on volatile market financing.
Sustained ProfitabilityA healthy net margin (~15%) and mid-teens ROE underscore efficient core banking economics and consistent earnings power. Persistent profitability enhances retained earnings, supports capital build, and enables steady returns to shareholders while giving management room to invest in growth and absorb moderate credit stress.
Capital Allocation & Shareholder ReturnsConsecutive dividend increases, ongoing buybacks and rising book/tangible book reflect disciplined capital allocation and strong capital ratios. This track record signals management confidence, attracts long-term income-focused investors, and shows capacity to return capital while maintaining franchise strength.
Bears Say
Margin PressureA multi-year decline in gross profit margin points to rising funding or operating costs and/or unfavorable product mix. If unaddressed, this structural margin compression could erode operating leverage, reduce the buffer for credit losses, and limit the bank's ability to expand net interest income sustainably over the medium term.
Relatively Low Equity Ratio / LeverageA moderate debt-to-equity ratio and relatively low equity ratio imply greater reliance on debt funding. In a rising-rate or stressed credit environment, this reduces financial flexibility, may increase funding costs, and could necessitate capital raises or constrain loan growth if regulatory or market pressures intensify.
Concentrated Credit RiskA specific $1.0M provision related to one commercial construction relationship highlights borrower concentration risk in commercial lending. Such single-name or sector concentrations can produce episodic losses and require stronger underwriting or diversification to prevent recurring provisions that undermine earnings stability.
FS Bancorp News
FSBW FAQ
What was FS Bancorp Inc’s price range in the past 12 months?
FS Bancorp Inc lowest stock price was $34.61 and its highest was $44.22 in the past 12 months.
What is FS Bancorp Inc’s market cap?
FS Bancorp Inc’s market cap is $299.23M.
When is FS Bancorp Inc’s upcoming earnings report date?
FS Bancorp Inc’s upcoming earnings report date is Apr 29, 2026 which is in 53 days.
How were FS Bancorp Inc’s earnings last quarter?
FS Bancorp Inc released its earnings results on Jan 21, 2026. The company reported $1.1 earnings per share for the quarter, missing the consensus estimate of $1.127 by -$0.027.
Is FS Bancorp Inc overvalued?
According to Wall Street analysts FS Bancorp Inc’s price is currently Undervalued.
Does FS Bancorp Inc pay dividends?
FS Bancorp Inc pays a Quarterly dividend of $0.28 which represents an annual dividend yield of 3.17%. See more information on FS Bancorp Inc dividends here
What is FS Bancorp Inc’s EPS estimate?
FS Bancorp Inc’s EPS estimate is 1.01.
How many shares outstanding does FS Bancorp Inc have?
FS Bancorp Inc has 7,518,462 shares outstanding.
What happened to FS Bancorp Inc’s price movement after its last earnings report?
FS Bancorp Inc reported an EPS of $1.1 in its last earnings report, missing expectations of $1.127. Following the earnings report the stock price went up 0.531%.
Which hedge fund is a major shareholder of FS Bancorp Inc?
Currently, no hedge funds are holding shares in FSBW
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
FS Bancorp Stock Smart Score
Neutral
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10
Analyst Consensus
Hold
Average Price Target:
$46.00 (15.58% Upside)
$46.00 (15.58% Upside)
Hedge Fund Trend
Decreased
By 7.7K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
-15.63%
12-Months-Change
Fundamentals
Return on Equity
10.77%
Trailing 12-Months
Asset Growth
7.98%
Trailing 12-Months
Company Description
FS Bancorp Inc
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. 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, second mortgage/home equity loan products, non-mortgage commercial business loans, commercial real estate loans, and construction and development loans, as well as consumer loans, which primarily include personal lines of credit, credit cards, automobile, direct home improvement, loans on deposit, and recreational loans. As of December 31, 2021, it operated 21 full bank service branches and 10 home loan production offices in suburban communities in the greater Puget Sound area, including Snohomish, King, Pierce, Jefferson, Kitsap, Clallam, Grays Harbor, Thurston, and Lewis counties; and one loan production office in the market area of the Tri-Cities. The company was founded in 1936 and is headquartered in Mountlake Terrace, Washington.
FSBW Stock 12 Month Forecast
Average Price Target
$46.00
▲(15.58% Upside)
Technical Analysis
Ownership Overview
9.42% Insiders
22.11% Mutual Funds
21.44% Other Institutional Investors
35.17% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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