FS BANCORP INC (FSBW) Stock Fundamental Analysis
USA - NASDAQ:FSBW - US30263Y1047 - Common Stock
38.38 USD
-0.15 (-0.39%)
We assign a fundamental rating of 4 out of 10 to FSBW. FSBW was compared to 390 industry peers in the Banks industry. Both the profitability and financial health of FSBW have multiple concerns. FSBW is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year FSBW was profitable.
In the past year FSBW had a positive cash flow from operations.
In the past 5 years FSBW has always been profitable.
Of the past 5 years FSBW 4 years had a positive operating cash flow.
1.2 Ratios
FSBW has a Return On Assets of 1.03%. This is in the better half of the industry: FSBW outperforms 67.44% of its industry peers.
Looking at the Return On Equity, with a value of 11.04%, FSBW is in the better half of the industry, outperforming 76.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 11.04% | ||
| ROIC | N/A |
ROA(3y)1.15%
ROA(5y)1.38%
ROE(3y)12.54%
ROE(5y)13.9%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
FSBW has a Profit Margin (22.42%) which is in line with its industry peers.
In the last couple of years the Profit Margin of FSBW has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for FSBW so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 22.42% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.05%
PM growth 5Y-0.34%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
FSBW does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FSBW has been increased compared to 1 year ago.
The number of shares outstanding for FSBW has been reduced compared to 5 years ago.
The debt/assets ratio for FSBW has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of FSBW is 0.93, which is an excellent value as it means it would take FSBW, only 0.93 years of fcf income to pay off all of its debts.
FSBW has a better Debt to FCF ratio (0.93) than 70.77% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that FSBW is not too dependend on debt financing.
FSBW has a Debt to Equity ratio (0.17) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.24%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
FSBW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -12.95%.
The Earnings Per Share has been growing by 11.79% on average over the past years. This is quite good.
The Revenue has been growing slightly by 0.60% in the past year.
The Revenue has been growing by 9.17% on average over the past years. This is quite good.
EPS 1Y (TTM)-12.95%
EPS 3Y0.77%
EPS 5Y11.79%
EPS Q2Q%-8.53%
Revenue 1Y (TTM)0.6%
Revenue growth 3Y5.24%
Revenue growth 5Y9.17%
Sales Q2Q%5.57%
3.2 Future
FSBW is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.51% yearly.
FSBW is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.82% yearly.
EPS Next Y-3.49%
EPS Next 2Y2.89%
EPS Next 3Y5.51%
EPS Next 5YN/A
Revenue Next Year5.87%
Revenue Next 2Y5.61%
Revenue Next 3Y5.82%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.36, the valuation of FSBW can be described as reasonable.
81.03% of the companies in the same industry are more expensive than FSBW, based on the Price/Earnings ratio.
FSBW's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.19.
Based on the Price/Forward Earnings ratio of 8.24, the valuation of FSBW can be described as reasonable.
FSBW's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FSBW is cheaper than 76.67% of the companies in the same industry.
FSBW's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.50.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.36 | ||
| Fwd PE | 8.24 |
4.2 Price Multiples
90.77% of the companies in the same industry are more expensive than FSBW, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.49 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.79
EPS Next 2Y2.89%
EPS Next 3Y5.51%
5. Dividend
5.1 Amount
FSBW has a Yearly Dividend Yield of 2.87%. Purely for dividend investing, there may be better candidates out there.
FSBW's Dividend Yield is comparable with the industry average which is at 3.49.
FSBW's Dividend Yield is a higher than the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.87% |
5.2 History
On average, the dividend of FSBW grows each year by 26.69%, which is quite nice.
FSBW has been paying a dividend for at least 10 years, so it has a reliable track record.
FSBW has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)26.69%
Div Incr Years11
Div Non Decr Years11
5.3 Sustainability
26.09% of the earnings are spent on dividend by FSBW. This is a low number and sustainable payout ratio.
FSBW's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP26.09%
EPS Next 2Y2.89%
EPS Next 3Y5.51%
NASDAQ:FSBW (10/30/2025, 8:11:51 PM)
38.38
-0.15 (-0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners70.86%
Inst Owner Change-0.14%
Ins Owners7.54%
Ins Owner Change-3.71%
Market Cap291.69M
Revenue(TTM)144.66M
Net Income(TTM)32.81M
Analysts80
Price Target44.88 (16.94%)
Short Float %1.15%
Short Ratio4.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.87% |
Yearly Dividend1.06
Dividend Growth(5Y)26.69%
DP26.09%
Div Incr Years11
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.25%
Min EPS beat(2)0.41%
Max EPS beat(2)6.09%
EPS beat(4)3
Avg EPS beat(4)0.89%
Min EPS beat(4)-13.55%
Max EPS beat(4)10.62%
EPS beat(8)6
Avg EPS beat(8)4.46%
EPS beat(12)7
Avg EPS beat(12)2.37%
EPS beat(16)11
Avg EPS beat(16)4.11%
Revenue beat(2)1
Avg Revenue beat(2)-0.89%
Min Revenue beat(2)-1.78%
Max Revenue beat(2)0%
Revenue beat(4)2
Avg Revenue beat(4)-1.23%
Min Revenue beat(4)-3.65%
Max Revenue beat(4)0.5%
Revenue beat(8)5
Avg Revenue beat(8)-0.66%
Revenue beat(12)8
Avg Revenue beat(12)-0.18%
Revenue beat(16)11
Avg Revenue beat(16)0.4%
PT rev (1m)0%
PT rev (3m)4.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.69%
EPS NY rev (1m)0.28%
EPS NY rev (3m)2.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.36 | ||
| Fwd PE | 8.24 | ||
| P/S | 1.99 | ||
| P/FCF | 5.49 | ||
| P/OCF | 5.23 | ||
| P/B | 0.98 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.1
EY10.68%
EPS(NY)4.66
Fwd EY12.14%
FCF(TTM)6.99
FCFY18.21%
OCF(TTM)7.34
OCFY19.12%
SpS19.25
BVpS39.11
TBVpS35.91
PEG (NY)N/A
PEG (5Y)0.79
Graham Number60.06
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.03% | ||
| ROE | 11.04% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 22.42% | ||
| GM | N/A | ||
| FCFM | 36.31% |
ROA(3y)1.15%
ROA(5y)1.38%
ROE(3y)12.54%
ROE(5y)13.9%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.05%
PM growth 5Y-0.34%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 0.93 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 23.94% | ||
| Cap/Sales | 1.81% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 161.92% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.24%
ROIC/WACCN/A
Cap/Depr(3y)13.37%
Cap/Depr(5y)12.71%
Cap/Sales(3y)1.2%
Cap/Sales(5y)1.26%
Profit Quality(3y)328.97%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-12.95%
EPS 3Y0.77%
EPS 5Y11.79%
EPS Q2Q%-8.53%
EPS Next Y-3.49%
EPS Next 2Y2.89%
EPS Next 3Y5.51%
EPS Next 5YN/A
Revenue 1Y (TTM)0.6%
Revenue growth 3Y5.24%
Revenue growth 5Y9.17%
Sales Q2Q%5.57%
Revenue Next Year5.87%
Revenue Next 2Y5.61%
Revenue Next 3Y5.82%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-44.54%
FCF growth 3Y-22.82%
FCF growth 5Y48.99%
OCF growth 1Y-43.15%
OCF growth 3Y-22.46%
OCF growth 5Y40.75%
FS BANCORP INC / FSBW FAQ
What is the ChartMill fundamental rating of FS BANCORP INC (FSBW) stock?
ChartMill assigns a fundamental rating of 4 / 10 to FSBW.
What is the valuation status for FSBW stock?
ChartMill assigns a valuation rating of 6 / 10 to FS BANCORP INC (FSBW). This can be considered as Fairly Valued.
Can you provide the profitability details for FS BANCORP INC?
FS BANCORP INC (FSBW) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for FSBW stock?
The Price/Earnings (PE) ratio for FS BANCORP INC (FSBW) is 9.36 and the Price/Book (PB) ratio is 0.98.
Can you provide the expected EPS growth for FSBW stock?
The Earnings per Share (EPS) of FS BANCORP INC (FSBW) is expected to decline by -3.49% in the next year.