FS Bancorp/$FSBW
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About FS Bancorp
FS Bancorp Inc is the holding company of 1st Security Bank, a diversified lender with a focus on the origination of commercial real estate, one-to-four-family, and home equity loans, consumer loans, including a variety of indirect home improvement (fixture secured loans), and marine loans, and commercial business loans. The company has two operating segments; The commercial and consumer banking segment provides diversified financial products and services to its commercial and consumer customers through Bank branches, automated teller machines, online banking platforms, mobile banking apps, and telephone banking; and The home lending segment originates one-to-four-family residential mortgage loans for sale in the secondary markets as well as loans held for investment.
Ticker
$FSBW
Sector
Primary listing
Employees
567
Headquarters
Website
FS Bancorp Metrics
BasicAdvanced
$316M
10.17
$4.15
0.71
$1.33
4.74%
Price and volume
Market cap
$316M
Beta
0.71
52-week high
$43.29
52-week low
$34.61
Average daily volume
16K
Dividend rate
$1.33
Financial strength
Dividend payout ratio (TTM)
25.61%
Profitability
Net profit margin (TTM)
23.92%
Operating margin (TTM)
31.80%
Effective tax rate (TTM)
14.18%
Revenue per employee (TTM)
$250,000
Management effectiveness
Return on assets (TTM)
1.09%
Return on equity (TTM)
11.50%
Valuation
Price to earnings (TTM)
10.168
Price to revenue (TTM)
2.329
Price to book
1.07
Price to tangible book (TTM)
1.13
Price to free cash flow (TTM)
6.071
Free cash flow yield (TTM)
16.47%
Free cash flow per share (TTM)
6.956
Dividend yield (TTM)
3.15%
Forward dividend yield
4.74%
Growth
Revenue change (TTM)
0.61%
Earnings per share change (TTM)
-8.98%
3-year revenue growth (CAGR)
5.97%
3-year earnings per share growth (CAGR)
4.09%
10-year earnings per share growth (CAGR)
12.59%
3-year dividend per share growth (CAGR)
16.82%
10-year dividend per share growth (CAGR)
24.29%
Bulls say / Bears say
Total loans receivable rose 3.2% quarter-over-quarter to $2.58 billion as of June 30, 2025, demonstrating strong demand for loans in both commercial and consumer sectors.
FS Bancorp announced its 50th straight quarterly dividend of $0.28 and a special dividend of $0.22 for Q2 2025, along with a new $5.0 million share repurchase program, reinforcing its dedication to shareholder returns.
The bank's net interest margin widened to 4.30% in Q2 2025 from 4.29% in Q2 2024, driven by loan repricing and tight control of funding costs, supporting growth in net interest income.
Net income for Q2 2025 fell 14.4% year-over-year to $7.7 million from $9.0 million, indicating margin compression and pressure on profitability.
Brokered deposits dropped by $59.1 million in Q2 2025, while borrowings surged 240.5% to $234.3 million, showing a greater dependence on potentially more costly wholesale funding.
The provision for credit losses increased 87% year-over-year to $2.02 million in Q2 2025 from $1.08 million in Q2 2024, signaling higher credit risk amid broader economic volatility.
Data summarised monthly by Lightyear AI. Last updated on 8 Sept 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
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FAQs
What’s the current market cap for FS Bancorp stock?
FS Bancorp (FSBW) has a market cap of $316M as of September 14, 2025.
What is the P/E ratio for FS Bancorp stock?
The price to earnings (P/E) ratio for FS Bancorp (FSBW) stock is 10.17 as of September 14, 2025.
Does FS Bancorp stock pay dividends?
Yes, the FS Bancorp (FSBW) stock pays dividends to shareholders. As of September 14, 2025, the dividend rate is $1.33 and the yield is 4.74%. FS Bancorp has a payout ratio of 25.61% on a trailing twelve-month basis.
When is the next FS Bancorp dividend payment date?
The next FS Bancorp (FSBW) dividend payment date is unconfirmed.
What is the beta indicator for FS Bancorp?
FS Bancorp (FSBW) has a beta rating of 0.71. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.