43.66 USD
+0.23 (+0.53%)
43.66 USD
0 (0%)
Taking everything into account, FSBW scores 4 out of 10 in our fundamental rating. FSBW was compared to 383 industry peers in the Banks industry. FSBW has a bad profitability rating. Also its financial health evaluation is rather negative. FSBW is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- FSBW had positive earnings in the past year.
- FSBW had a positive operating cash flow in the past year.
- 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 0.99%. This is comparable to the rest of the industry: FSBW outperforms 59.01% of its industry peers.
- FSBW has a Return On Equity of 10.55%. This is in the better half of the industry: FSBW outperforms 68.93% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.99% | ||
| ROE | 10.55% | ||
| 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
- With a Profit Margin value of 21.36%, FSBW is not doing good in the industry: 62.14% of the companies in the same industry are doing better.
- FSBW's Profit Margin has been stable in the last couple of years.
- FSBW does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.36% | ||
| 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.
- FSBW has more shares outstanding than it did 1 year ago.
- The number of shares outstanding for FSBW has been reduced compared to 5 years ago.
- FSBW has a better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of FSBW is 0.52, which is an excellent value as it means it would take FSBW, only 0.52 years of fcf income to pay off all of its debts.
- FSBW has a Debt to FCF ratio of 0.52. This is in the better half of the industry: FSBW outperforms 79.90% 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 | 0.52 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.25%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for FSBW have decreased strongly by -12.95% in the last year.
- Measured over the past years, FSBW shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.79% on average per year.
- FSBW shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -17.70%.
- FSBW shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.17% yearly.
EPS 1Y (TTM)-12.95%
EPS 3Y0.77%
EPS 5Y11.79%
EPS Q2Q%-8.53%
Revenue 1Y (TTM)-17.7%
Revenue growth 3Y5.24%
Revenue growth 5Y9.17%
Sales Q2Q%5.57%
3.2 Future
- The Earnings Per Share is expected to grow by 5.17% on average over the next years.
- The Revenue is expected to grow by 5.57% on average over the next years.
EPS Next Y0.3%
EPS Next 2Y2.81%
EPS Next 3Y5.17%
EPS Next 5YN/A
Revenue Next Year6.68%
Revenue Next 2Y5.54%
Revenue Next 3Y5.57%
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
- A Price/Earnings ratio of 10.65 indicates a reasonable valuation of FSBW.
- Compared to the rest of the industry, the Price/Earnings ratio of FSBW indicates a somewhat cheap valuation: FSBW is cheaper than 79.63% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.32, FSBW is valued rather cheaply.
- The Price/Forward Earnings ratio is 9.39, which indicates a very decent valuation of FSBW.
- FSBW's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FSBW is cheaper than 77.28% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of FSBW to the average of the S&P500 Index (24.32), we can say FSBW is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.65 | ||
| Fwd PE | 9.39 |
4.2 Price Multiples
- FSBW's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FSBW is cheaper than 95.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.42 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)35.49
PEG (5Y)0.9
EPS Next 2Y2.81%
EPS Next 3Y5.17%
5. Dividend
5.1 Amount
- FSBW has a Yearly Dividend Yield of 2.67%.
- FSBW's Dividend Yield is comparable with the industry average which is at 2.84.
- FSBW's Dividend Yield is a higher than the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
5.2 History
- The dividend of FSBW is nicely growing with an annual growth rate of 26.69%!
- FSBW has been paying a dividend for at least 10 years, so it has a reliable track record.
- FSBW has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)26.69%
Div Incr Years11
Div Non Decr Years11
5.3 Sustainability
- FSBW pays out 32.40% of its income as dividend. This is a sustainable payout ratio.
- FSBW's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP32.4%
EPS Next 2Y2.81%
EPS Next 3Y5.17%
43.66
+0.23 (+0.53%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-21 2025-10-21/amc
Earnings (Next)01-22 2026-01-22/amc
Inst Owners70.98%
Inst Owner Change0%
Ins Owners7.62%
Ins Owner Change-2.72%
Market Cap328.32M
Revenue(TTM)148.40M
Net Income(TTM)31.69M
Analysts80
Price Target44.88 (2.79%)
Short Float %0.92%
Short Ratio4.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
Yearly Dividend1.06
Dividend Growth(5Y)26.69%
DP32.4%
Div Incr Years11
Div Non Decr Years11
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.84%
Min EPS beat(2)0.41%
Max EPS beat(2)7.28%
EPS beat(4)3
Avg EPS beat(4)0.06%
Min EPS beat(4)-13.55%
Max EPS beat(4)7.28%
EPS beat(8)7
Avg EPS beat(8)5.47%
EPS beat(12)7
Avg EPS beat(12)1.84%
EPS beat(16)11
Avg EPS beat(16)4.14%
Revenue beat(2)2
Avg Revenue beat(2)0.81%
Min Revenue beat(2)0%
Max Revenue beat(2)1.62%
Revenue beat(4)2
Avg Revenue beat(4)-0.95%
Min Revenue beat(4)-3.65%
Max Revenue beat(4)1.62%
Revenue beat(8)6
Avg Revenue beat(8)-0.06%
Revenue beat(12)8
Avg Revenue beat(12)-0.33%
Revenue beat(16)11
Avg Revenue beat(16)0.17%
PT rev (1m)0%
PT rev (3m)-3.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.64%
EPS NY rev (1m)0%
EPS NY rev (3m)4.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.65 | ||
| Fwd PE | 9.39 | ||
| P/S | 2.21 | ||
| P/FCF | 3.42 | ||
| P/OCF | 3.25 | ||
| P/B | 1.09 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.1
EY9.39%
EPS(NY)4.65
Fwd EY10.65%
FCF(TTM)12.76
FCFY29.24%
OCF(TTM)13.44
OCFY30.77%
SpS19.73
BVpS39.96
TBVpS36.85
PEG (NY)35.49
PEG (5Y)0.9
Graham Number60.72
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.99% | ||
| ROE | 10.55% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.36% | ||
| GM | N/A | ||
| FCFM | 64.69% |
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 | 0.52 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 41.84% | ||
| Cap/Sales | 3.4% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 302.9% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.25%
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 Y0.3%
EPS Next 2Y2.81%
EPS Next 3Y5.17%
EPS Next 5YN/A
Revenue 1Y (TTM)-17.7%
Revenue growth 3Y5.24%
Revenue growth 5Y9.17%
Sales Q2Q%5.57%
Revenue Next Year6.68%
Revenue Next 2Y5.54%
Revenue Next 3Y5.57%
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 1Y14.69%
FCF growth 3Y-22.82%
FCF growth 5Y48.99%
OCF growth 1Y17.49%
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 of FS BANCORP INC (FSBW) stock?
ChartMill assigns a valuation rating of 5 / 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.
What are the PE and PB ratios of FS BANCORP INC (FSBW) stock?
The Price/Earnings (PE) ratio for FS BANCORP INC (FSBW) is 10.65 and the Price/Book (PB) ratio is 1.09.
How sustainable is the dividend of FS BANCORP INC (FSBW) stock?
The dividend rating of FS BANCORP INC (FSBW) is 6 / 10 and the dividend payout ratio is 32.4%.