FS Bancorp (FSBW) Stock Price, News & Analysis

Company Overview

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. It operates full bank service branches and home loan production offices in suburban communities in the greater Puget Sound area, including Snohomish, King, Pierce, Jefferson, Kitsap, Clallam, Grays Harbor, and Thurston counties; 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.

Key Stats

• Today's Range: $38.79 to $39.42
• 50-Day Range: $35.84 to $39.55
• 52-Week Range: $31.11 to $49.15
• Volume: 19,980 shs
• Average Volume: 16,670 shs
• Market Capitalization: $302.48 million
• P/E Ratio: 8.86
• Dividend Yield: 2.87%
• Price Target: $44.00
• Consensus Rating: Hold

FS Bancorp Stock Analysis - MarketRank™

FS Bancorp scored higher than 74% of companies evaluated by MarketBeat, and ranked 514th out of 949 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.0 / 5
• Analyst Rating: Hold

Consensus Rating

FS Bancorp has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

FS Bancorp has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.62%

Earnings Growth

Earnings for FS Bancorp are expected to grow by 9.62% in the coming year, from $4.26 to $4.67 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of FS Bancorp is 8.86, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.76.

Price to Earnings Ratio vs. Sector

The P/E ratio of FS Bancorp is 8.86, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.10.

Price to Book Value per Share Ratio

FS Bancorp has a P/B Ratio of 1.15. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.73% of the float of FS Bancorp has been sold short.

Short Interest Ratio / Days to Cover

FS Bancorp has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in FS Bancorp has recently increased by 10.74%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

FS Bancorp pays a meaningful dividend of 2.92%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

FS Bancorp has been increasing its dividend for 12 years.

Dividend Coverage

The dividend payout ratio of FS Bancorp is 25.75%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, FS Bancorp will have a dividend payout ratio of 23.98% next year. This indicates that FS Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.73% of the float of FS Bancorp has been sold short.

Short Interest Ratio / Days to Cover

FS Bancorp has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in FS Bancorp has recently increased by 10.74%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.25

News Sentiment

FS Bancorp has a news sentiment score of 1.25. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.88 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 8 news articles for FS Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, FS Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

12.70% of the stock of FS Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

63.88% of the stock of FS Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

FSBW Stock Analysis - Frequently Asked Questions

How have FSBW shares performed this year?

FS Bancorp's stock was trading at $41.06 on January 1st, 2025. Since then, FSBW shares have decreased by 5.0% and is now trading at $39.00.
View the best growth stocks for 2025 here.

How were FS Bancorp's earnings last quarter?

FS Bancorp, Inc. (NASDAQ:FSBW) posted its quarterly earnings results on Tuesday, April, 22nd. The bank reported $1.01 earnings per share for the quarter, beating analysts' consensus estimates of $0.93 by $0.08. The bank earned $36.11 million during the quarter, compared to analyst estimates of $36.05 million. FS Bancorp had a trailing twelve-month return on equity of 12.35% and a net margin of 16.97%.

When did FS Bancorp's stock split?

Shares of FS Bancorp split on the morning of Thursday, July 15th 2021. The 2-1 split was announced on Thursday, July 15th 2021. The newly minted shares were payable to shareholders after the market closes on Thursday, July 15th 2021. An investor that had 100 shares of stock prior to the split would have 200 shares after the split.

Who are FS Bancorp's major shareholders?

Top institutional shareholders of FS Bancorp include Bank of New York Mellon Corp (0.74%), GAMMA Investing LLC (0.13%), D.A. Davidson & CO. (0.12%) and Rhumbline Advisers (0.12%). Insiders that own company stock include Margaret R Piesik, Pamela Marie Andrews, Fs Bancorp, Inc, Joseph P Zavaglia, Robert B Fuller and Mark Tueffers.
View institutional ownership trends.

How do I buy shares of FS Bancorp?

Shares of FSBW stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of FS Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that FS Bancorp investors own include American Water Works (AWK), Waste Connections (WCN), The RMR Group (RMR), AUO (AUOTY), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Record date for 2/20 Dividend: 2/06/2025
• Ex-Dividend for 2/20 Dividend: 2/06/2025
• Dividend Payable: 2/20/2025
• Last Earnings: 4/22/2025
• Today: 5/01/2025
• Record date for 5/22 Dividend: 5/08/2025
• Ex-Dividend for 5/22 Dividend: 5/08/2025
• Dividend Payable: 5/22/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Savings institutions, except federal
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FSBW
• CIK: 1530249
• Web: www.fsbwa.com
• Phone: (425) 771-5299
• Fax: N/A
• Employees: 540
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $44.00
• High Stock Price Target: $44.00
• Low Stock Price Target: $44.00
• Potential Upside/Downside: +12.8%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $4.35
• Trailing P/E Ratio: 8.86
• Forward P/E Ratio: 9.15
• P/E Growth: N/A
• Net Income: $35.02 million
• Net Margins: 16.97%
• Pretax Margin: 21.40%
• Return on Equity: 12.35%
• Return on Assets: 1.18%

Debt

• Debt-to-Equity Ratio: 0.74
• Current Ratio: 1.06
• Quick Ratio: 1.04

Sales & Book Value

• Annual Sales: $150.88 million
• Price / Sales: 2.00
• Cash Flow: $6.55 per share
• Price / Cash Flow: 5.95
• Book Value: $33.92 per share
• Price / Book: 1.15

Miscellaneous

• Outstanding Shares: 7,756,000
• Free Float: 6,777,000
• Market Cap: $302.48 million
• Optionable: Not Optionable
• Beta: 0.78