FSBWNasdaqSavings Institutions, Not Federally CharteredFiscal year ends December 31
FS Bancorp, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$44.58−0.27 (-0.60%)
Close on Oct 19, 2026
- Market cap
- $333.60M
- P/E (TTM)
- 10.2
- Dividend yield
- 3.01%
FS Bancorp statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Savings Institutions, Not Federally Chartered companies for comparison
Valuation
| Measure | FS Bancorp | Industry median |
|---|---|---|
| Market Cap | $331.32M | $679.86M |
| Enterprise Value | $626.11M | $408.94M |
| PE Ratio | 10.25 | 11.99 |
| PS Ratio | 2.12 | 3.59 |
| PB Ratio | 1.04 | 1.18 |
| P/TBV Ratio | 1.08 | 1.41 |
| P/FCF Ratio | 3.38 | 10.89 |
| P/OCF Ratio | 2.81 | 10.01 |
Enterprise value
| Measure | FS Bancorp | Industry median |
|---|---|---|
| EV / Sales | 4.01 | 2.76 |
| EV / FCF | 6.38 | 8.23 |
Income (trailing twelve months)
| Measure | FS Bancorp | Industry median |
|---|---|---|
| Revenue | $156.04M | $170.85M |
| Pretax Income | $41.85M | $70.12M |
| Net Income | $33.36M | $54.33M |
| EPS (Diluted) | $4.35 | $2.91 |
Margins
| Measure | FS Bancorp | Industry median |
|---|---|---|
| Pretax Margin | 26.8% | 36.5% |
| Profit Margin | 21.4% | 29.1% |
| FCF Margin | 62.9% | 33.2% |
Returns
| Measure | FS Bancorp | Industry median |
|---|---|---|
| Return on Equity (ROE) | 10.8% | 10.6% |
| Return on Assets (ROA) | 1.05% | 1.12% |
Growth
| Measure | FS Bancorp | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 6.64% | 11.8% |
| Net Income Growth (YoY) | -0.16% | 23.2% |
| EPS Growth (YoY) | 3.57% | 23.1% |
| FCF Growth (YoY) | 84.0% | 28.5% |
| Revenue Growth (3Y CAGR) | 263.3% | 5.82% |
| Revenue Growth (5Y CAGR) | 124.7% | 6.17% |
| EPS Growth (3Y CAGR) | 5.06% | 1.31% |
| EPS Growth (5Y CAGR) | -0.91% | 8.24% |
Balance sheet
| Measure | FS Bancorp | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $29.71M | $205.54M |
| Total Debt | $324.50M | $177.19M |
| Net Cash (Debt) | -$294.79M | $164.40M |
| Net Cash Per Share | -$39.67 | $8.13 |
| Equity (Book Value) | $318.96M | $563.88M |
| Book Value Per Share | $42.92 | $28.47 |
| Tangible Book Value | $306.32M | $475.36M |
Financial position
| Measure | FS Bancorp | Industry median |
|---|---|---|
| Debt / Equity | 1.02 | 0.20 |
| Debt / FCF | 3.31 | 1.81 |
Cash flow (trailing twelve months)
| Measure | FS Bancorp | Industry median |
|---|---|---|
| Operating Cash Flow | $117.70M | $61.52M |
| Capital Expenditures | -$19.58M | -$4.08M |
| Free Cash Flow | $98.12M | $52.15M |
| FCF Per Share | $13.20 | $3.05 |
Efficiency
| Measure | FS Bancorp | Industry median |
|---|---|---|
| Asset Turnover | 0.05 | 0.04 |
| Revenue Per Employee | $268.57K | $353.78K |
| Profits Per Employee | $57.42K | $107.28K |
| Employee Count | 581 | 489 |
Dividends and yields
| Measure | FS Bancorp | Industry median |
|---|---|---|
| Earnings Yield | 10.1% | 8.13% |
| FCF Yield | 29.6% | 8.91% |
| Dividend Yield | 3.01% | 2.48% |
| Buyback Yield | 3.23% | 1.55% |
| Shareholder Yield | 6.23% | 3.13% |
| Dividend Per Share | $1.34 | $0.93 |
| Dividend Growth (YoY) | 26.4% | 4.26% |
| Years of Dividend Growth | 10 | 2 |
| Payout Ratio | 30.7% | 29.3% |
| FCF Payout Ratio | 10.4% | 26.0% |
Shares
| Measure | FS Bancorp | Industry median |
|---|---|---|
| Shares Outstanding | 7,431,970 | 18,839,100 |
| Shares Change (YoY) | -3.77% | 0.40% |
| Shares Change (QoQ) | -1.04% | 0.00% |
| Float | 6,829,280 | 17,061,900 |
| Shares Held by Insiders | 8.11% | 5.89% |
| Shares Held by Institutions | 65.8% | 61.9% |
Taxes
| Measure | FS Bancorp | Industry median |
|---|---|---|
| Income Tax | $8.49M | $14.50M |
| Effective Tax Rate | 20.3% | 21.1% |
Scores
| Measure | FS Bancorp | Industry median |
|---|---|---|
| Graham Number | $64.81 | $45.31 |
| Graham Upside | 45.4% | 21.9% |
| Altman Z-Score | 0.25 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from FS Bancorp's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.