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    FS Bancorp Inc (FSBW)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $44.63
    +0.28 (+0.63%)

    Market Cap: $348.69M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    71%(27/38)
    Avg Surprise
    +10.52%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$1.11
    Range$1.07 - $1.14
    3 analysts
    EPS RevisionsNo revisions (7d)
    0
    2
    30d
    EPS Estimate DriftChange to current
    90d ago$1.19-7.3%
    60d ago$1.13-1.6%
    30d ago$1.110.0%
    7d ago$1.110.0%
    Current$1.11
    Revenue Consensus
    $41M
    Range$41M - $41M
    2 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.14
    Range$1.10 - $1.17
    3 analysts
    Revenue Consensus
    $44M
    Range$43M - $44M
    2 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.14---
    Sep 26EST
    		-$1.11---
    Jun 26
    Reported Jul 21
    		$1.08$1.13-4.42%Miss+21.3%
    Mar 26
    Reported Apr 21
    		$1.02$1.01+0.99%Beat+9.7%
    Dec 25
    Reported Jan 21
    		$0.97$1.13-14.16%Miss+1.0%
    Sep 25
    Reported Oct 21
    		$1.03$1.08-4.63%Miss-20.2%
    Jun 25
    Reported Jul 22
    		$0.89$0.97-8.25%Miss-21.2%
    Mar 25
    Reported Apr 22
    		$0.93$0.93+0.00%Beat-21.2%
    Dec 24
    Reported Mar 17
    		$0.96$1.08-11.11%Miss-27.3%
    Sep 24
    Reported Oct 22
    		$1.29$1.15+12.17%Beat+14.2%
    Jun 24
    Reported Jul 23
    		$1.13$1.03+9.71%Beat-11.0%
    Mar 24
    Reported Apr 24
    		$1.18$0.98+20.41%Beat-4.8%
    Dec 23
    Reported Mar 15
    		$1.32$1.02+29.41%Beat+24.5%
    Sep 23
    Reported Oct 25
    		$1.13$1.12+0.89%Beat+4.6%
    Jun 23
    Reported Jul 26
    		$1.27$1.22+4.10%Beat+53.0%
    Mar 23
    Reported Apr 26
    		$1.24$1.02+21.57%Beat+53.1%
    Dec 22
    Reported Mar 16
    		$1.06$1.11-4.50%Miss+5.0%
    Sep 22
    Reported Oct 26
    		$1.08$0.93+16.13%Beat+11.3%
    Jun 22
    Reported Jul 28
    		$0.83$0.80+3.75%Beat-14.4%
    Mar 22
    Reported Apr 28
    		$0.81$0.71+14.08%Beat-40.0%
    Dec 21
    Reported Mar 16
    		$1.01$0.85+18.82%Beat-22.3%
    Sep 21
    Reported Oct 28
    		$0.97$0.89+8.99%Beat-34.0%
    Jun 21
    Reported Jul 23
    		$0.97$0.95+2.11%Beat-15.7%
    Mar 21
    Reported Apr 26
    		$1.35$0.90+50.00%Beat+200.0%
    Dec 20
    Reported Mar 16
    		$1.30$0.77+68.83%Beat+109.7%
    Sep 20
    Reported Oct 26
    		$1.47$0.87+68.97%Beat+83.7%
    Jun 20
    Reported Jul 23
    		$1.15$0.60+91.67%Beat+105.4%
    Mar 20
    Reported Apr 24
    		$0.45$0.60-25.00%Miss-23.7%
    Dec 19
    Reported Mar 16
    		$0.62$0.78-20.51%Miss+0.0%
    Sep 19
    Reported Oct 24
    		$0.80$0.72+11.11%Beat+37.9%
    Jun 19
    Reported Jul 25
    		$0.56$0.68-17.65%Miss+0.0%
    Mar 19
    Reported Apr 25
    		$0.59$0.64-7.81%Miss+3.5%
    Dec 18
    Reported Mar 15
    		$0.62$0.56+10.71%Beat+26.5%
    Sep 18
    Reported Oct 25
    		$0.58$0.56+3.57%Beat+7.4%
    Jun 18
    Reported Jul 26
    		$0.56$0.59-5.08%Miss+0.0%
    Mar 18
    Reported Apr 26
    		$0.57$0.52+9.62%Beat+32.6%
    Dec 17
    Reported Mar 16
    		$0.49$0.48+2.08%Beat-43.0%
    Sep 17
    Reported Oct 26
    		$0.54$0.50+8.00%Beat-
    Jun 17
    Reported Jul 27
    		$0.56$0.47+19.15%Beat-
    Mar 17
    Reported Apr 26
    		$0.43$0.37+16.22%Beat-
    Dec 16
    Reported Mar 16
    		$0.86N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield2.60%
    Forward Annual Dividend$1.16
    Payout Ratio25.62%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+14.19%
    5Y CAGR+26.12%
    FSBW dividend history and ex-dividend datesRun FSBW in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio10.89EV/EBITDA13.27x
    Price/FCF3.38xFCF Yield29.58%
    Profitability
    Profit Margin23.00%Operating Margin32.40%
    ROE10.80%ROIC4.81%
    Financial Health
    Debt/Equity1.17xInterest Coverage0.61x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.67Avg Volume31.70K
    52-Week High$45.5452-Week Low$36.16

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$44.34
    SMA 20$44.11
    SMA 50$43.57
    SMA 200$41.55
    EMA 10$44.33
    EMA 20$44.14
    EMA 50$43.65
    EMA 200$41.90

    MACD

    Line: 0.26Signal: 0.24Hist: 0.02

    ADX

    ADX: 12.9+DI: 21.3-DI: 13.5

    Aroon & PSAR

    Aroon Up92.0
    Aroon Down4.0
    PSAR$43.59

    Bollinger Bands

    Upper Band$44.87
    Lower Band$43.36
    %B Position341%(Upper)
    Band Width0.84

    RSI (14-Day)

    Neutral
    57.0

    Momentum Oscillators

    Stoch %K65.1
    Stoch %D65.1
    Williams %R-31.0
    ROC (10d)1.4%
    Momentum0.62
    CCI (20d)152.2
    MFI (14d)60.1

    Volatility Measures

    ATR (14d)$0.88(2.0%)
    StdDev (20d)0.38
    Hist Vol15.6%(Low)

    Volume Flow

    VWAP$44.66
    OBV90.6K
    AD Line-9.5M
    CMF (20d)-0.076

    Volume Metrics

    Avg Vol (20d)32.2K
    Vol Ratio0.6x
    VWMA (20d)$44.06

    Pivot Points

    R3$45.64
    R2$45.07
    R1$44.71
    Pivot Point$44.15
    S1$43.79
    S2$43.22
    S3$42.86

    Advanced Oscillators

    TSI10.09
    Ultimate Osc50.0
    KST19.57

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$38.80M$37.95M$40.01M$39.28M$37.28M$36.11M$35.72M$37.21M$36.27M$35.46M$35.91M$35.62M
    Cost of RevenueN/A$19.32M$17.16M$19.59M$18.61M$17.40M$17.38M$17.31M$16.62M$15.93M$15.39M$13.18M
    Gross ProfitN/A$35.47M$40.01M$36.23M$34.54M$33.97M$41.78M$34.89M$34.54M$25.26M$34.16M$34.50M
    Operating Expenses$26.10M$25.52M$26.07M$25.39M$25.50M$25.05M$24.35M$25.83M$23.86M$23.53M$22.43M$23.59M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$9.90M$13.94M$11.59M$9.76M$9.46M$9.85M$9.87M$11.34M$10.53M$12.08M$11.48M
    Interest Income$49.66M$49.33M$50.78M$50.97M$48.70M$46.79M$46.97M$47.04M$45.94M$44.88M$44.44M$43.27M
    Interest Expense$17.01M$16.79M$17.16M$17.28M$16.59M$15.81M$15.86M$15.80M$15.54M$14.53M$13.99M$12.64M
    Income Before Tax$10.05M$9.90M$10.31M$11.59M$9.76M$9.46M$9.85M$9.87M$11.34M$10.53M$12.08M$11.48M
    Income Tax Expense$2.12M$2.07M$1.89M$2.41M$2.03M$1.44M$2.47M$-420,000$2.38M$2.13M$2.30M$2.53M
    Net Income$7.94M$7.83M$8.42M$9.18M$7.73M$8.02M$7.38M$10.29M$8.96M$8.40M$9.77M$8.95M
    EBITDA$12.49M$12.18M$12.80M$14.78M$13.68M$11.80M$12.47M$12.04M$14.27M$13.36M$15.22M$14.77M
    EBIT$10.05M$9.90M$10.31M$11.59M$9.76M$9.46M$9.85M$9.87M$11.34M$10.53M$12.08M$11.48M
    * Some calculated fields are derived from available data when not provided by source

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    News

    MarketBeat estimates October 20 results for FS Bancorp stock

    MarketBeat estimates that FS Bancorp (FSBW) will report third-quarter 2026 earnings per share of $1.11 and revenue of $40.70 million on October 20...

    ad-hoc-news.de•10/13/26•Neutral

    FSBW5169870 Bond Profile: Coupon and Redemption

    This article provides a detailed profile of the FSBW5169870 bond issued by FS Bancorp, Inc. It outlines key facts such as the issuer, issue and maturity dates, face value...

    TradingView•10/12/26•Neutral

    FS Bancorp stock faces a quarterly EPS miss against estimates

    FS Bancorp (FSBW) reported diluted earnings per share of USD 1.04, missing the forecast of USD 1.08 for its latest quarter...

    AD HOC NEWS•10/6/26•Somewhat-Bearish

    (FSBW) and the Role of Price-Sensitive Allocations

    This article analyzes Fs Bancorp Inc. (NASDAQ: FSBW), noting a neutral sentiment across all time horizons and an in-play mid-channel oscillation pattern. It highlights an exceptional 16.5:1 risk-reward short setup...

    Stock Traders Daily•10/5/26•Neutral

    FS Bancorp authorizes buyback of FS Bancorp stock

    FS Bancorp has authorized a share repurchase program of up to $5.00 million through August 24, 2027. This program offers a capital-allocation tool while the stock is 3.32 percent below its 52-week high. The authorization...

    AD HOC NEWS•10/5/26•Somewhat-Bullish

    FSBW Valuation and Fair Value

    P/E
    10.9x
    Forward P/E
    8.9x
    EV/EBITDA
    13.3x
    P/FCF
    3.4x
    PEG
    1.4x
    P/B
    1.0x
    See GNG's fair value

    FSBW Profitability: Margins, ROIC and FCF

    Operating margin
    32.4%
    Net margin
    23.0%
    ROIC
    4.8%
    ROE
    10.8%
    FCF margin
    62.9%
    FCF yield
    29.6%

    FSBW Competitors

    CompanyTicker
    Timberland Bancorp IncTSBK
    BlackRock TCP Capital CorpTCPC
    Waterstone Financial IncWSBF
    Voyager Acquisition CorpVACH
    Gladstone Investment Corporation 8.00% Notes due 2028GAINL
    Global Indemnity Group, LLC Class A Common StockGBLI
    ProCap Financial, Inc.BRR
    Lendingtree IncTREE

    Sector: Financial Services

    FSBW Analyst Ratings

    Consensus
    Hold
    Analysts
    3
    Strong Buy
    0
    Buy
    0
    Hold
    3
    Sell
    0
    Strong Sell
    0

    FSBW Bull Case vs Bear Case

    Bull case

    • FSBW converts 62.9% of revenue into free cash flow.
    • FSBW has a 23.0% net profit margin.

    Bear case

    • FSBW beat EPS estimates in 25.0% of its last 8 reported quarters.

    FSBW Earnings: Beat Rate and Next Report

    Beat rate
    2 of 8 quarters (25.0%)
    Average surprise
    -3.7%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $1.11
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 2 down

    FSBW Dividend

    Forward yield
    2.6%
    Payout ratio
    25.6%
    3Y DPS growth
    14.2%
    5Y DPS growth
    26.1%
    Pay months
    Feb, May, Aug, Nov
    FSBW dividend history

    Frequently Asked Questions About FSBW

    What is FSBW's current dividend yield?

    FS Bancorp Inc (FSBW) has a forward dividend yield of 2.60%.

    Does FSBW pay dividends?

    Yes, FS Bancorp Inc pays dividends with a forward dividend yield of 2.60%.

    What is FSBW's P/E ratio?

    FS Bancorp Inc has a price-to-earnings (P/E) ratio of 10.89.

    What is FSBW's market cap?

    FS Bancorp Inc (FSBW) has a market capitalization of $348.69M with a current stock price of $44.63.

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