FSBW logo

FS BANCORP INC

FSBWNASDAQ
πŸ† #3321 by market capEarnings Oct 28US Equity
$44.12β–Ό $0.33 (βˆ’0.74%)
Market closed Β· at close
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24hβ–Ό 0.7%
7dβ–² 0.3%
14dβ–Ό 0.2%
30dβ–² 2.7%
ytdβ–² 7.5%
1yβ–² 10.9%
🏦Market Cap
$327M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+6.8%
Slowing
πŸ“ŠGross Margin
57.8%
Healthy
πŸ’΅FCF Margin
54.9%
Strong
βš–οΈP/S Ratio
1.8x
Cheap
Otter Score
72
Fair

Trading Snapshot

Day Range
$43.91 – $44.42
52-Week Range
$36.66 – $45.85
Volume
$3.44B
Avg Volume
$3.10B
Shares Outstanding
7.4M
Next Earnings
Nov 13, 2026

Fundamentals Snapshot

Annual Revenue
$218M
Last Q Revenue
$11M
P/E Ratio
9.9
P/S Ratio
1.8x
EPS (TTM)
$4.44
Dividend Yield
2.62%
Dilution (1yr)
βˆ’3.1%

Why Investors Own FSBW

  • βœ“High-growth profile β€” revenue up +23.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 28% gross margin and 24% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FSBW logo

FS BANCORP INC

FSBW
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$218Mβ–² +6.8% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
66.5%β–Ό βˆ’0.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$45Mβ–² +7.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$52Mβ–² +5.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
7.7Mβ–Ό βˆ’3.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$128Mβ–² +$194M YoY
StockOtter Β· stockotter.space

About FS BANCORP INC

FS Bancorp, Inc. functions as the holding company for 1st Security Bank of Washington, delivering a comprehensive suite of banking and financial services. These offerings cater to families, local and regional businesses, and specialized industry sectors. The company operates through two main divisions: Commercial and Consumer Banking, and Home Lending. Its deposit portfolio includes checking, money market, and savings accounts, alongside certificates of deposit. For lending, FS Bancorp provides diverse options such as first and second mortgages for one-to-four-family residences, home equity loans, non-mortgage commercial business loans, commercial real estate and construction/development financing, and a variety of consumer loans including personal lines of credit, credit cards, auto, direct home improvement, deposit-secured, and recreational vehicle loans. As of December 31, 2021, the company maintained 21 full-service bank branches and 10 home loan production offices, strategically situated in suburban communities across the greater Puget Sound area (including Snohomish, King, Pierce, Jefferson, Kitsap, Clallam, Grays Harbor, Thurston, and Lewis counties), with an additional loan production office serving the Tri-Cities market. Established in 1936, FS Bancorp, Inc. is headquartered in Mountlake Terrace, Washington.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
72/100

Analyst Price Target

β“˜
Average Target
$50.08
β–² +13.5% Upside
High Target$62.13
Low Target$37.85
Based on 34 analysts

Latest News & Updates

Zacks Investment ResearchΒ·6d ago

New Strong Sell Stocks for September 23rd

BCSF, BBW and FSBW have been added to the Zacks Rank #5 (Strong Sell) List on September 23rd, 2026.

GlobeNewsWireΒ·Aug 24

FS Bancorp, Inc. Authorizes Share Repurchase Program

MOUNTLAKE TERRACE, Wash., Aug. 24, 2026 (GLOBE NEWSWIRE) -- FS Bancorp, Inc. (NASDAQ: FSBW) (β€œCompany”), the holding company for 1st Security Bank of Washington (β€œBank”) announced that its Board of Directors has authoriz

GlobeNewsWireΒ·Aug 20

FS Bancorp, Inc. Announces Completion of Acquisition of Pacific West Bancorp

MOUNTLAKE TERRACE, Wash., Aug. 20, 2026 (GLOBE NEWSWIRE) -- (NASDAQ : FSBW) FS Bancorp, Inc. (β€œFS Bancorp”), the parent company of 1st Security Bank of Washington, announced that effective August 19, 2026, it completed i

Seeking AlphaΒ·Aug 14

Dividend Champion, Contender, And Challenger Highlights: Week August 16

A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates.

Zacks Investment ResearchΒ·Jul 21

FS Bancorp (FSBW) Reports Q2 Earnings: What Key Metrics Have to Say

The headline numbers for FS Bancorp (FSBW) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago

Zacks Investment ResearchΒ·Jul 21

FS Bancorp (FSBW) Q2 Earnings Lag Estimates

FS Bancorp (FSBW) came out with quarterly earnings of $1.08 per share, missing the Zacks Consensus Estimate of $1.13 per share. This compares to earnings of $0.99 per share a year ago.