FS Bancorp, Inc. FSBW

Latest FY: 2025 Financial Services Banks - Regional
Market Price $43.44
Market Cap $322.09M
P/E Ratio 10.13
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑5.5% YoY
$152.68M
3-Yr CAGR: 7.7%
Net Income ↓-4.8% YoY
$33.35M
Net Margin: 21.8%
Free Cash Flow ↑5.6% YoY
$51.94M
FCF Yield: 16.13%
EPS (Diluted) ↓-1.6% YoY
$4.29
Basic: $4.35
Return on Equity Efficiency
10.8%
ROA: 1.0%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (FSBW)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $57.4M $53.3M $10.5M $3.51 $0.36 2.03% $3.6M $-0.0M
FY 2017 $65.3M +13.7% $60.4M $14.1M +34.2% $4.28 +21.9% $0.40 1.48% $15.1M $14.1M +201,071.4%
FY 2018 $78.9M +20.9% $68.7M $24.3M +72.9% $6.29 +47.0% $0.49 2.31% $21.4M $17.6M +25.4%
FY 2019 $93.3M +18.2% $74.0M $22.7M -6.7% $5.01 -20.3% $0.63 1.98% $9.2M $6.7M -61.9%
FY 2020 $129.5M +38.7% $114.8M $39.3M +72.8% $8.97 +79.0% $0.82 3.00% $-32.3M $-33.7M -601.9%
FY 2021 $124.2M -4.1% $114.4M $37.4M -4.7% $4.32 -51.8% $0.54 1.60% $109.0M $107.0M +417.6%
FY 2022 $122.4M -1.4% $108.0M $29.6M -20.8% $3.70 -14.4% $0.90 2.70% $184.9M $183.3M +71.3%
FY 2023 $143.8M +17.5% $99.9M $36.1M +21.6% $4.56 +23.2% $1.00 2.70% $77.7M $76.0M -58.5%
FY 2024 $144.7M +0.6% $82.9M $35.0M -2.9% $4.36 -4.4% $1.05 2.55% $50.8M $49.2M -35.3%
FY 2025 $152.7M +5.5% $85.8M $33.3M -4.8% $4.29 -1.6% $1.34 3.26% $72.3M $51.9M +5.6%
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Valuation

Market Price $43.44
Market Cap $322.09M
Enterprise Value $293.87M
P/E Ratio 10.13
P/B Ratio 1.05
FCF Yield 16.13%
Dividend Yield 3.09%
Shares Outstanding 7,414,500
%

Profitability & Margins

Gross Margin 56.22%
Operating Margin 26.93%
Net Margin 21.84%
Return on Equity (ROE) 10.84%
Return on Assets (ROA) 1.04%
Asset Turnover 0.05x
Revenue 3-Yr CAGR 7.65%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $28.22M
Total Debt N/A
Book Value / Share $41.50
💧

Cash Flow Efficiency

Operating Cash Flow $72.31M
Capital Expenditures (CapEx) $20.37M
Free Cash Flow $51.94M
OCF / Revenue 47.36%
FCF / Revenue 34.02%
FCF 3-Yr CAGR -34.32%
🏷️

Per Share Metrics

EPS (Diluted) $4.29
EPS (Basic) $4.35
Dividends / Share $1.34
Book Value / Share $41.50
EPS YoY Growth -1.61%
🏛️

Balance Sheet (FY 2025)

Total Assets $3.20B
Total Liabilities $2.89B
Stockholders' Equity $307.69M
Current Assets N/A
Current Liabilities N/A