FS Bancorp, Inc.
FS Bancorp, Inc.
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 13 | 12 | 14 | 12 | 15 | 19 | 19 | 18 | 20 | 17 | 17 | 18 | |||||
Interest Bearing Deposits In Banks | 17 | 26 | 15 | 49 | 18 | 44 | 12 | 22 | 13 | 28 | 49 | 63 | |||||
Cash And Cash Equivalents At Carrying Value | 30 | 39 | 28 | 61 | 33 | 63 | 32 | 40 | 33 | 45 | 66 | 81 | |||||
Certificates Of Deposit At Carrying Value | - | - | 0 | 0 | 0 | 1 | 2 | 12 | 13 | 23 | 24 | 18 | |||||
Debt Securities Available For Sale Excluding Accru… | 269 | 271 | 289 | 312 | 303 | 291 | 281 | 228 | 221 | 280 | 293 | 252 | |||||
Debt Securities Held To Maturity Amortized Cost Af… | - | - | - | - | - | - | - | - | 8 | 8 | 8 | - | |||||
Debt Securities Held To Maturity Excluding Accrued… | 35 | 33 | 33 | 31 | 32 | 10 | 8 | 8 | - | - | 8 | 8 | |||||
Loans Held For Sale Fair Value Disclosure | 31 | 56 | 44 | 39 | 54 | 31 | 28 | 49 | 54 | 50 | 26 | 19 | |||||
Notes Receivable Net | - | - | - | - | - | - | - | - | 2,457 | 2,415 | 2,401 | - | |||||
Financing Receivable Excluding Accrued Interest Af… | - | 2,624 | 2,623 | 2,600 | 2,582 | 2,501 | 2,502 | 2,464 | - | - | 2,401 | 2,376 | |||||
Assets | |||||||||||||||||
Assets | 3,179 | 3,204 | 3,197 | 3,209 | 3,176 | 3,066 | 3,029 | 2,970 | 2,941 | 2,970 | 2,973 | 2,920 | |||||
Interest Receivable | 14 | 15 | 15 | 15 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 | |||||
Property Plant And Equipment Net | 43 | 44 | 44 | 32 | 30 | 29 | 30 | 30 | 30 | 30 | 31 | 31 | |||||
Assets Held For Sale Not Part Of Disposal Group | 3 | 3 | 3 | - | - | - | 0 | - | - | - | - | - | |||||
Operating Lease Right Of Use Asset | 7 | 5 | 6 | 7 | 8 | 5 | 5 | 5 | 6 | 6 | 7 | 7 | |||||
Federal Home Loan Bank Stock | 14 | 9 | 8 | 8 | 12 | 5 | 16 | 10 | 10 | 3 | 2 | 4 | |||||
Deferred Income Tax Assets Net | 6 | 7 | 7 | 7 | 8 | 7 | 7 | 4 | 5 | 5 | 7 | 7 | |||||
Other Real Estate And Foreclosed Assets | - | - | - | - | - | - | - | - | - | - | 0 | 1 | |||||
Bank Owned Life Insurance | 37 | 37 | 36 | 39 | 38 | 39 | 39 | 38 | 38 | 38 | 38 | 37 | |||||
Servicing Asset | - | - | - | - | - | - | - | - | - | - | - | 18 | |||||
Goodwill | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
Finite Lived Intangible Assets Net | 9 | 10 | 11 | 11 | 12 | 13 | 14 | 15 | 15 | 16 | 17 | 18 | |||||
Other Assets | 39 | 38 | 38 | 35 | 38 | 43 | 40 | 40 | 24 | 22 | 18 | 27 | |||||
Noninterest Bearing Deposit Liabilities | 642 | 654 | 658 | 666 | 654 | 677 | 638 | 658 | 623 | 647 | 671 | 670 | |||||
Deposits | 2,449 | 2,638 | 2,674 | 2,686 | 2,553 | 2,615 | 2,339 | 2,427 | 2,383 | 2,465 | 2,522 | 2,454 | |||||
Interest Bearing Deposit Liabilities | 1,807 | 1,984 | 2,016 | 2,021 | 1,899 | 1,938 | 1,701 | 1,770 | 1,759 | 1,818 | 1,851 | 1,784 | |||||
Short Term Borrowings | 325 | 167 | 129 | 129 | 234 | 69 | 308 | 164 | 182 | 130 | 94 | 122 | |||||
Subordinated Longterm Deb… | |||||||||||||||||
Subordinated Debt | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | |||||
Unamortized Debt Issuance Expense | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | |||||
Operating Lease Liability | 7 | 6 | 6 | 7 | 8 | 5 | 6 | 6 | 6 | 6 | 7 | 7 | |||||
Other Liabilities | 30 | 30 | 31 | 36 | 33 | 29 | 31 | 35 | 37 | 41 | 36 | 36 | |||||
Liabilities | 2,860 | 2,890 | 2,889 | 2,908 | 2,879 | 2,767 | 2,733 | 2,681 | 2,657 | 2,692 | 2,708 | 2,669 | |||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Stockholders Equity | |||||||||||||||||
Stockholders Equity | 319 | 314 | 308 | 301 | 297 | 299 | 296 | 289 | 284 | 278 | 264 | 251 | |||||
Additional Paid In Capital | 41 | 44 | 43 | 44 | 48 | 53 | 56 | 55 | 56 | 58 | 57 | 57 | |||||
Retained Earnings Accumulated Deficit | 292 | 286 | 280 | 274 | 269 | 263 | 257 | 252 | 244 | 237 | 230 | 223 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -14 | -16 | -16 | -17 | -20 | -17 | -17 | -18 | -16 | -16 | -23 | -29 | |||||
Liabilities And Stockholders Equity | 3,179 | 3,204 | 3,197 | 3,209 | 3,176 | 3,066 | 3,029 | 2,970 | 2,941 | 2,970 | 2,973 | 2,920 | |||||
Available For Sale Debt Securities Amortized Cost … | - | - | - | - | - | - | - | - | 251 | 310 | - | - | |||||
Debt Securities Available For Sale Allowance For C… | - | - | - | - | - | - | - | - | 0 | 0 | - | - | |||||
Debt Securities Held To Maturity Allowance For Cre… | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | |||||
Debt Securities Available For Sale Amortized Cost … | 291 | 294 | 310 | 335 | 330 | 317 | 310 | 252 | - | - | 329 | - | |||||
Debt Securities Available For Sale Amortized Cost … | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | - | 0 | - | |||||
Debt Securities Held To Maturity Allowance For Cre… | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Held To Maturity Securities Fair Value | 35 | 34 | 34 | 32 | 32 | 10 | 8 | 8 | 8 | 8 | 8 | 7 | |||||
Financing Receivable Allowance For Credit Loss Exc… | - | 32 | 32 | 30 | 32 | 32 | 32 | 31 | 31 | 31 | 32 | 31 | |||||
Financing Receivable Allowance For Credit Losses | - | - | - | - | - | - | - | - | 31 | 31 | - | - | |||||
Loans Receivable Fair Value Disclosure | 13 | 13 | 13 | 13 | 13 | 15 | 13 | 14 | 14 | 15 | 15 | 15 | |||||
Preferred Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Preferred Stock Shares Authorized | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 45 | 45 | 45 | 45 | 45 | 45 | 45 | 45 | 45 | 45 | 45 | 45 | |||||
Common Stock Shares Issued | 7 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | |||||
Shares Outstanding | 7 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -0.49% | 5.65% | 6.60% | - | - | - | - | - | - | - | - | - |
| 2025 | -3.54% | -0.93% | 3.11% | 11.11% | 5.70% | 2.39% | -0.22% | 0.59% | 3.37% | 2.85% | 6.53% | 7.07% |
| 2024 | 0.31% | 11.50% | 33.44% | 8.52% | 9.28% | 8.02% | -0.69% | -14.60% | -16.01% | 1.95% | 9.99% | 5.99% |
| 2023 | - | - | - | - | - | - | 8.46% | 27.10% | 27.92% | 4.38% | 1.27% | 2.07% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.68 | -0.69 | -0.68 | -0.68 | -0.69 | -0.67 | -0.34 | 0.12 | 0.79 | 1.90 | 2.03 | 2.17 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 4.46 | 4.40 | 4.36 | 4.24 | 4.34 | 4.44 | 4.44 | 4.76 | 4.63 | 4.63 | 4.64 | 4.36 | |||||
| Free Cash Flow Per Share TTM | 13.37 | 7.10 | 6.90 | 12.88 | 7.03 | 7.42 | 6.39 | 2.66 | 5.79 | 7.58 | 9.93 | 10.92 | |||||
| Dividend Per Share TTM | 1.40 | 1.39 | 1.37 | 1.09 | 0.85 | 1.09 | 1.07 | 1.06 | 1.03 | 1.02 | 1.01 | 0.96 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 66.00% | 66.05% | 66.11% | 66.12% | 66.20% | 66.26% | 66.60% | 62.80% | 63.79% | 56.87% | 44.37% | 30.58% | |||||
| Operating Profit Margin TTM | 20.85% | 20.80% | 20.85% | 21.02% | 20.55% | 21.69% | 22.50% | 24.03% | 25.44% | 33.63% | 48.58% | 81.51% | |||||
| Net Profit Margin TTM | 16.62% | 16.59% | 16.91% | 16.70% | 17.63% | 18.55% | 18.95% | 20.52% | 20.21% | 26.75% | 38.69% | 64.62% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 5.93% | 6.99% | 6.71% | 6.11% | 6.15% | 37.86% | 98.36% | 247.49% | 1,567.91% | 1,238.49% | 993.06% | 756.54% | |||||
| Net Income Growth (1Y) | -0.16% | -4.31% | -4.79% | -13.65% | -7.38% | -4.39% | -2.85% | 10.36% | 8.00% | 16.93% | 21.60% | 10.52% | |||||
| EPS Growth (1Y) | 3.11% | -0.52% | -2.65% | -11.48% | -6.07% | -4.28% | -3.38% | 10.24% | 7.28% | 15.71% | 23.16% | 9.62% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 9.48 | 8.50 | 9.11 | 9.00 | 8.58 | 8.05 | 8.54 | 8.59 | 7.26 | 6.85 | 7.22 | 6.09 | |||||
| P/B TTM | 0.99 | 0.90 | 0.99 | 0.97 | 0.96 | 0.93 | 1.01 | 1.11 | 0.92 | 0.89 | 0.98 | 0.82 | |||||
| P/S TTM | 1.58 | 1.41 | 1.54 | 1.50 | 1.51 | 1.49 | 1.62 | 1.76 | 1.47 | 1.83 | 2.79 | 3.93 | |||||
| Market Cap | 316.44M | 281.75M | 303.67M | 290.70M | 286.60M | 278.84M | 299.27M | 321.55M | 262.11M | 248.05M | 260.42M | 206.40M | |||||
| Enterprise Value | 611.23M | 410.36M | 404.75M | 358.72M | 487.71M | 284.90M | 575.44M | 445.02M | 411.00M | 332.59M | 288.48M | 247.62M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 98.12M | 52.55M | 51.94M | 96.44M | 53.32M | 57.10M | 49.19M | 20.40M | 44.51M | 58.40M | 76.00M | 83.74M | |||||
| Net Debt | 294.79M | 128.60M | 101.09M | 68.03M | 201.11M | 6.06M | 276.17M | 123.47M | 148.88M | 84.53M | 28.06M | 41.22M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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| Inventory Turnover TTM | |||||||||||||||||
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| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
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| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
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| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
FS Bancorp, Inc. (FSBW) — SEC Financial Statements & Analysis
FS Bancorp, Inc. (FSBW) is a savings institutions, not federally chartered company, incorporated in WA. FS Bancorp, Inc. trades on Nasdaq as: FSBW. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), FS Bancorp, Inc. reported a 5.93% year-over-year revenue growth, a Gross Profit Margin of 66.00% (TTM), a Price-to-Sales (P/S) ratio of 1.58x (TTM), a Price-to-Book (P/B) ratio of 0.99x (TTM), at a market cap of $316.44M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 5.93%
- Gross Profit Margin TTM
- 66.00%
- P/S TTM
- 1.58x
- P/B TTM
- 0.99x
- Market Cap
- $316.44M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is FS Bancorp, Inc. in?
FS Bancorp, Inc. (FSBW) operates in the Savings Institutions, Not Federally Chartered industry.
What is FSBW's market cap?
FS Bancorp, Inc. (FSBW) has a market capitalization of $316.44M as of 2026-06-30.
What is FSBW's P/E ratio?
FS Bancorp, Inc. (FSBW)'s trailing twelve month P/E ratio is 9.48x as of 2026-06-30.
What exchange does FSBW trade on?
FS Bancorp, Inc. (FSBW) trades on the Nasdaq.
Where is FS Bancorp, Inc. incorporated?
FS Bancorp, Inc. is incorporated in WA.