FS Bancorp, Inc. (FSBW)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 127 | 121 | 120 | 141 | 142 | 151 | 110 | - |
| Operating profit | $m | 45 | 26 | ||||||
| Net profit | $m | 39 | 37 | 30 | 36 | 35 | 33 | 33 | 33 |
| EPS reported | $ | 4.28 | 4.34 | ||||||
| Operating cashflow per share | $ | 9.62 | 7.85 | ||||||
| Capex per share | $ | 2.71 | 2.49 | ||||||
| FCF per share | $ | 6.91 | 5.36 | ||||||
| Free cash flow | $m | 52 | 98 | ||||||
| Net debt | $m | -167 | 92 | ||||||
| Book value equity | $m | 308 | 319 | ||||||
| Book value per share | $ | 40.20 | 41.67 | ||||||
| Number of shares | m | 7.66 | 7.66 | ||||||
| DPS (TTM paid) | $ | 1.34 | 1.15 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.62 | 10.25 | ||||||
| P/B LTM | x | 1.01 | 0.97 | ||||||
| P/S LTM | x | 2.05 | 2.80 | ||||||
| P/FCF LTM | x | 5.96 | 3.15 | ||||||
| EV/EBITDA LTM | x | 7.95 | 14.83 | ||||||
| EV/Sales LTM | x | 2.01 | 3.86 | ||||||
| Earnings Yield LTM | % | +10.40% | +9.76% | ||||||
| FCF Yield | % | +16.78% | +31.70% | ||||||
| Quality | |||||||||
| ROE | % | +10.84% | +10.75% | ||||||
| ROIC | % | +8.09% | +0.68% | ||||||
| Operating margin | % | +20.57% | +14.28% | ||||||
| Gross margin | % | +66.55% | +57.82% | ||||||
| FCF/Sales | % | +23.88% | +22.54% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -1.83% | -0.46% | ||||||
| Sales Growth YoY | % | +6.12% | -22.20% | ||||||
| Net Income Growth YoY | % | -4.79% | -4.74% | ||||||
| FCF Growth | % | +5.59% | +99.48% | ||||||
| Operating Profit Growth | % | +7.60% | -38.62% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.32% | +2.64% | ||||||
| Dividend Growth | % | +26.42% | +8.49% | ||||||
| Payout Ratio | % | +31.32% | +30.77% | ||||||
| FCF/Debt | x | 0.37 | 0.26 | ||||||
| Net Debt/EBITDA | x | 2.32 | 12.49 | ||||||
| EBIT/Net interest | x | 0.67 | 0.37 | ||||||
| Net debt/market cap | % | +43.68% | +1.16% | ||||||
| Net debt/Equity | x | -0.54 | 0.29 | ||||||
| Gross debt/equity | x | 0.46 | 1.19 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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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