FS Bancorp Inc (FSBW)
NASDAQ:FSBW
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FSBW Stock Chart & Stats
$40.88
$0.47(1.18%)
At close: 4:00 PM EST
$40.88
$0.47(1.18%)
Day’s Range― - ―
52-Week Range$36.66 - $44.22
Previous CloseN/A
Volume4.28K
Average Volume (3M)16.67K
Market Cap
$298.58M
Enterprise Value$511.98M
Total Cash (Recent Filing)$12.42M
Total Debt (Recent Filing)$222.55M
Price to Earnings (P/E)8.9
Beta0.71
Next Earnings
Jul 28, 2026EPS Estimate
1.08Next Dividend Ex-DateN/A
Dividend Yield3.17%
Share Statistics
EPS (TTM)4.37
Shares Outstanding7,414,542
10 Day Avg. Volume12,963
30 Day Avg. Volume16,669
Financial Highlights & Ratios
PEG Ratio-2.97
Price to Book (P/B)1.01
Price to Sales (P/S)1.42
P/FCF Ratio5.96
Enterprise Value/Market Cap1.71
Enterprise Value/Revenue2.32
Enterprise Value/Gross Profit3.50
Enterprise Value/Ebitda9.65
Forecast
1Y Price Target
$44.00Price Target Upside7.63% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)4.47
Revenue Forecast (FY)$160.00M
Bulls Say, Bears Say
Bulls Say
Sustained Revenue GrowthFS Bancorp shows multi-year revenue expansion (2021–2025) with exceptionally strong TTM top-line growth. This persistent revenue momentum supports scalable franchise economics, broader customer relationships and cross-sell opportunities across commercial, consumer and mortgage lines, strengthening medium-term earning capacity.
Consistent Cash GenerationFree cash flow has historically covered the majority of net income, with healthy operating cash flow in 2025 and TTM. This durable cash generation underpins the company’s ability to pay dividends, repurchase shares and fund organic growth or M&A without persistent reliance on equity issuance, supporting financial flexibility.
Leadership ContinuityThe planned CEO succession preserves continuity: an internal successor with long-tenure financial and operational experience consolidates leadership across the holding company and bank while the retiring CEO stays on the boards. This reduces execution risk on strategy, capital policy and integration of planned growth initiatives.
Bears Say
Margin CompressionMaterial, sustained margin erosion since 2021–2022 means revenue gains are translating less efficiently into net income. Persistent spread pressure or higher operating costs could constrain long-term return on assets and internal capital generation, making profitability more sensitive to rate cycles and cost control execution.
Volatile Leverage ProfileWide swings in leverage and debt-to-equity reduce balance-sheet predictability and increase funding and capital risk. Variable leverage can constrain lending flexibility, complicate capital return plans (dividends/buybacks) and amplify earnings volatility during stress, weakening long-term financial resilience.
Cash Flow VolatilityAlthough FCF has been strong historically, sharp year-to-year swings and a decline in TTM free cash flow reduce the reliability of internally generated funds. This volatility makes capital planning harder, could pressure sustained shareholder returns, and increases reliance on external funding for strategic initiatives.
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 $36.66 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 $298.58M.
When is FS Bancorp Inc’s upcoming earnings report date?
FS Bancorp Inc’s upcoming earnings report date is Jul 28, 2026 which is in 54 days.
How were FS Bancorp Inc’s earnings last quarter?
FS Bancorp Inc released its earnings results on Apr 21, 2026. The company reported $1.02 earnings per share for the quarter, beating the consensus estimate of $1.013 by $0.007.
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 1.08.
How many shares outstanding does FS Bancorp Inc have?
FS Bancorp Inc has 7,414,542 shares outstanding.
What happened to FS Bancorp Inc’s price movement after its last earnings report?
FS Bancorp Inc reported an EPS of $1.02 in its last earnings report, beating expectations of $1.013. Following the earnings report the stock price went down -0.361%.
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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Analyst Consensus
Hold
Average Price Target:
$44.00 (7.63% Upside)
$44.00 (7.63% Upside)
Hedge Fund Trend
Decreased
By 3.6K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
-15.63%
12-Months-Change
Fundamentals
Return on Equity
10.88%
Trailing 12-Months
Asset Growth
4.48%
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
$44.00
▲(7.63% Upside)
Technical Analysis
Ownership Overview
9.59% Insiders
22.08% Mutual Funds
30.38% Other Institutional Investors
25.41% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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