FS BANCORP INC (FSBW) 30.36 +0.2 (+0.66%)
30.36 +0.2 (+0.66%)
US30263Y1047 - Common Stock - After market: 30.36 0 (0%)
Fundamental Rating
We assign a fundamental rating of 4 out of 10 to FSBW. FSBW was compared to 372 industry peers in the Banks industry. Both the profitability and financial health of FSBW have multiple concerns. FSBW is valued quite cheap, while showing a decent growth score. This is a good combination!
Profitability
Profitability Rating
FSBW's Return On Assets of 1.10% is in line with the rest of the industry. The industry average Return On Assets is 1.10%.
FSBW's Return On Equity of 12.56% is in line with the rest of the industry. The industry average Return On Equity is 11.77%.
FSBW has a Piotroski-F score of 5.00. This indicates an average health and profitability for FSBW.
FSBW has a Profit Margin of 23.77%. This is below the industry average of 29.30%. 80% of the industry peers outperform FSBW.
VS Industry
ROA (1.1%) VS Industry: 50% outperformed.
0.04
7.28
ROE (12.56%) VS Industry: 56% outperformed.
0.12
50.89
Profit Margin (23.77%) VS Industry: 20% outperformed.
1.32
51.15
Valuation
Valuation Rating
With a Price/Earnings Ratio of 8.23, the valuation of FSBW can be described as very reasonable.
The Forward Price/Earnings Ratio of 6.17 indicates a rather cheap valuation of FSBW.
FSBW's low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FSBW's Price/Earning Ratio is in line with the industry average which is at 8.28.
With a price book ratio of 1.01, FSBW is valued correctly.
Compared to an average industry price book ratio of 0.96, FSBW is valued in line with its industry peers.
VS Industry
Price/Earnings (8.23) VS Industry: 50% outperformed.
391.33
0.30
Price/Book (1.01) VS Industry: 44% outperformed.
4.38
0.03
Growth
Growth Rating
The Earnings Per Share has been growing by 13.66% on average over the past 5 years. This is quite good.
FSBW is expected to show quite a strong growth in Earnings Per Share. In the coming 5 years, the EPS will grow by 18.59% yearly.
The EPS growth is accelerating: in the next 5 years the growth will be better than in the last years.
FSBW shows quite a strong growth in Revenue. Measured over the last 5 years, the Revenue has been growing by 13.39% yearly.
The Revenue is expected to grow by 13.20% on average over the next 5 years. This is quite good.
The Revenue has decreased by -1.44% in the past year.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming 5 years, we see that the growth is stable.
The earnings per share for FSBW have decreased strongly by -14.19% in the last year.
| Past | Future | ||||||
|---|---|---|---|---|---|---|---|
| 5Y | 3Y | 1Y | 1Y | 2Y | 3Y | 5Y | |
| EPS | 13.66% | 13.56% | -14.19% | 33.25% | 18.59% | N/A | N/A |
| Revenue | 13.39% | 9.47% | -1.44% | 21.86% | 13.2% | N/A | N/A |
Health
Health Rating
FSBW has a Piotroski-F score of 5.00. This indicates an average health and profitability for FSBW.
When comparing the Debt to Equity Ratio of FSBW to the average industry Debt to Equity Ratio of 0.16, FSBW required more debt to finance its operations than its industry peers.
VS Industry
Debt/Equity (0.21) VS Industry: 37% outperformed.
5.95
0.00
Dividend
Dividend Rating
24.39% of the earnings are spent on dividend by FSBW. This is a low number and sustainable payout ratio.
FSBW has paid a dividend for at least 10 years, which is a reliable track record.
FSBW has a Yearly Dividend Yield of 2.84%. Purely for dividend investing, there may be better candidates out there.
Compared to an average S&P500 Dividend Yield of 2.60, FSBW has a dividend comparable with the average S&P500 company.
Compared to an average industry Dividend Yield of 3.19, FSBW is paying slightly less dividend.
VS Industry
Dividend Yield (2.84%) VS Industry: 35% outperformed.
0.09
19.43
FS BANCORP INC30.36
NASDAQ:FSBW (3/28/2023, 7:25:08 PM)+0.2 (+0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-25 2023-01-25/amc
Earnings (Next)04-26 2023-04-26/amc
Inst Owners56.08%
Inst Owner Change5%
Ins Owners6.82%
Ins Owner Change1.41%
Market Cap234.93M
Analysts80
Price Target40.29 (32.71%)
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.84% |
Dividend Growth(5Y)N/A
DP24.39%
Div Incr Years9
Div Non Decr Years9
Ex-Date02-08 2023-02-08 (0.25)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.32%
Min EPS beat(2)-14.33%
Max EPS beat(2)13.69%
EPS beat(4)3
Avg EPS beat(4)3.23%
Min EPS beat(4)-14.33%
Max EPS beat(4)13.69%
Revenue beat(2)2
Avg Revenue beat(2)2.02%
Min Revenue beat(2)0.59%
Max Revenue beat(2)3.45%
Revenue beat(4)3
Avg Revenue beat(4)1.09%
Min Revenue beat(4)-2.14%
Max Revenue beat(4)3.45%
PT rev (1m)5.33%
PT rev (3m)16.18%
EPS NQ rev (1m)-1.76%
EPS NQ rev (3m)3.1%
EPS NY rev (1m)11.57%
EPS NY rev (3m)11.57%
Revenue NQ rev (1m)8.91%
Revenue NQ rev (3m)8.91%
Revenue NY rev (1m)12.86%
Revenue NY rev (3m)12.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.23 | ||
| Fwd PE | 6.17 | ||
| P/S | 1.92 | ||
| P/FCF | 1.28 | ||
| P/OCF | 1.27 | ||
| P/B | 1.01 | ||
| P/tB | 1.13 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.69
EY12.15%
EPS(NY)4.92
Fwd EY16.2%
FCF(TTM)23.69
FCFY78.04%
OCF(TTM)23.89
OCFY78.7%
SpS15.82
BVpS29.94
TBVpS26.88
PEG (NY)0.25
PEG (5Y)0.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.1% | ||
| ROE | 12.56% | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM | 23.77% | ||
| GM | N/A |
ROICexgc(3y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc(3y)N/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.62%
PM growth 5Y1.94%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 0.27 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 11.08% | ||
| Profit Quality | 630.25% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC6.89%
ROIC/WACCN/A
Cap/Depr(3y)11.51%
Cap/Depr(5y)25.41%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
Growth
EPS 1Y-14.19%
EPS 3Y13.56%
EPS 5Y13.66%
EPS growth Q2Q-3.96%
EPS Next Y33.25%
EPS Next 2Y18.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue growth 1Y-1.44%
Revenue growth 3Y9.47%
Revenue growth 5Y13.39%
Revenue growth Q2Q7.94%
Revenue Next Year21.86%
Revenue Next 2Y13.2%
Revenue Next 3YN/A
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 1Y71.35%
FCF growth 3Y201.35%
FCF growth 5Y67.04%
OCF growth 1Y69.63%
OCF growth 3Y171.88%
OCF growth 5Y65.04%
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