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Ticker
FSBW

Price
41.68
Stock movement down
-0.40 (-0.95%)
Company name
FS Bancorp Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
312.91M
Ent value
3.19B
Price/Sales
1.44
Price/Book
1.02
Div yield
2.78%
Div growth
20.34%
Growth years
9
FCF payout
59.63%
Trailing P/E
9.38
Forward P/E
8.68
PEG
1.34
EPS growth
-0.58%
1 year return (CAGR)
6.76%
3 year return (CAGR)
4.47%
5 year return (CAGR)
6.99%
10 year return (CAGR)
13.57%
Last updated: 2026-02-20

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.16
Dividend yield2.78%
Payout frequencyQuarterly
Maximum yield5.35%
Average yield2.76%
Minimum yield0.78%
Discount to avg yield0.87%
Upside potential0.87%
Yield as % of max yield52.03%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield2.78%
Current yield distribution45.56%
Yield at 100% (Min)0.78%
Yield at 90%1.72%
Yield at 80%2.35%
Yield at 50% (Median)2.74%
Yield at 20%3.24%
Yield at 10%3.43%
Yield at 0% (Max)5.35%

Dividend per share

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Dividend per share data
Years of growth9 years
CCC statusDividend Challenger
Dividend per share1.16
Payout frequencyQuarterly
Ex-div date6 Feb 2026
EPS (TTM)4.36
EPS (1y forward)4.80
EPS growth (5y)-0.58%
EPS growth (5y forward)7.00%

Dividend growth

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Dividend growth data
FSBWS&P500
DGR MR3.57%-13.74%
DGR TTM28.57%6.60%
DGR 3 years20.89%7.31%
DGR 5 years20.34%4.69%
DGR 10 years22.88%6.30%
DGR 15 years-8.16%
Time since last change announced33 days
EPS growth (5y)-0.58%
EPS growth (5y forward)7.00%

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM24.46%59.63%
Average--
Forward24.17%-

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iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E9.38
Price to OCF5.22
Price to FCF22.87
Price to EBITDA7.94
EV to EBITDA80.90

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.44
Price to Book1.02
EV to Sales14.66

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FINANCIALS

Per share

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Per share data
Current share count7.51M
EPS (TTM)4.36
FCF per share (TTM)1.79

Income statement

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Income statement data
Revenue (TTM)217.51M
Gross profit (TTM)144.75M
Operating income (TTM)44.74M
Net income (TTM)33.35M
EPS (TTM)4.36
EPS (1y forward)4.80

Margins

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Margins data
Gross margin (TTM)66.55%
Operating margin (TTM)20.57%
Profit margin (TTM)15.33%

Balance Sheet

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Balance Sheet data
Cash13.50M
Net receivables14.61M
Total current assets316.79M
Goodwill3.59M
Intangible assets10.52M
Property, plant and equipment0.00
Total assets3.20B
Accounts payable0.00
Short/Current long term debt141.08M
Total current liabilities2.75B
Total liabilities2.89B
Shareholder's equity307.69M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)59.96M
Capital expenditures (TTM)4.67M
Free cash flow (TTM)13.68M
Dividends paid (TTM)8.16M

Financial returns

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Financial returns data
Return on Equity10.84%
Return on Assets1.04%
Return on Invested Capital10.63%
Cash Return on Invested Capital4.36%

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iO Charts is a Seeking Alpha partner

STOCK INFORMATION

Stock chart

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Stock price data
Open42.08
Daily high42.33
Daily low41.64
Daily Volume8K
All-time high48.82
1y analyst estimate45.00
Beta0.69
EPS (TTM)4.36
Dividend per share1.16
Ex-div date6 Feb 2026
Next earnings date21 Apr 2026

Downside potential

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Downside potential data
FSBWS&P500
Current price drop from All-time high-14.63%-1.82%
Highest price drop-54.95%-56.47%
Date of highest drop20 Mar 20209 Mar 2009
Avg drop from high-11.42%-10.84%
Avg time to new high17 days12 days
Max time to new high668 days1805 days

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COMPANY DETAILS
FSBW (FS Bancorp Inc) company logo
Marketcap
312.91M
Marketcap category
Small-cap
Description
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 in Washington. 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 loans, home equity loan products, commercial business loans, commercial real estate loans, and construction and development loans, as well as consumer loans, which include personal lines of credit, credit cards, automobile, direct home improvement, loans on deposit, and recreational loans. Further, it provides online banking platforms, mobile banking apps, and telephone banking services, as well as cash management services. The company operates full bank service branches and home loan production offices in suburban communities in the greater Puget Sound area, including Snohomish, King, Pierce, Kitsap, Clallam, Jefferson, Grays Harbor, Thurston, and Benton counties; Oregon; and a loan production office in the market area of the Tri-Cities. FS Bancorp, Inc. was founded in 1936 and is headquartered in Mountlake Terrace, Washington.
Employees
580
Investor relations
SEC filings
CEO
Country
USA
City
Stock type
Common stock
CCC status
Dividend Challenger
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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