FS Bancorp, Inc.

  • Market Cap: Micro Cap
  • Industry: Savings Banks
  • ISIN: US30263Y1047
USD
39.50
-0.48 (-1.2%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

20.07 k

Shareholding (Mar 2025)

FII

6.65%

Held by 30 FIIs

DII

65.18%

Held by 29 DIIs

Promoter

0.00%

How big is FS Bancorp, Inc.?

22-Jun-2025

As of Jun 18, FS Bancorp, Inc. has a market capitalization of 291.53 million, categorizing it as a Micro Cap company, with total assets of 3,037.88 million and shareholder's funds of 295.77 million.

Market Cap: As of Jun 18, FS Bancorp, Inc. has a market capitalization of 291.53 million, categorizing it as a Micro Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, the sum of interest earned is 186.74 million, while the sum of net profit is 34.09 million.<BR><BR>Balance Sheet Snapshot: As of Dec 24, the shareholder's funds amount to 295.77 million, and total assets are reported at 3,037.88 million.

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What does FS Bancorp, Inc. do?

22-Jun-2025

FS Bancorp, Inc. is the holding company for 1st Security Bank of Washington, operating in the Savings Banks industry with a market cap of $291.53 million. As of March 2025, it reported net sales of $47 million and a net profit of $8 million, with a P/E ratio of 9.00 and a dividend yield of 2.93%.

Overview: <BR>FS Bancorp, Inc. is a holding company for 1st Security Bank of Washington, operating in the Savings Banks industry and classified as a micro-cap company.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 47 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 8 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 291.53 Million (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 9.00 <BR>Dividend Yield: 2.93% <BR>Debt Equity: 0.00 <BR>Return on Equity: 11.41% <BR>Price to Book: 0.98<BR><BR>Contact Details: <BR>Address: 6920 220th St SW Ste 300, MOUNTLAKE TERRACE WA: 98043-2172 <BR>Tel: 1 724 2733400 <BR>Website: http://investorrelations.fsbwa.com/

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Should I buy, sell or hold FS Bancorp, Inc.?

22-Jun-2025

Who are in the management team of FS Bancorp, Inc.?

22-Jun-2025

As of March 2022, the management team of FS Bancorp, Inc. includes Mr. Ted Leech (Independent Chairman), Mr. Joseph Adams (CEO), and several Independent Directors: Ms. Marina Cofer-Wildsmith, Mr. Michael Mansfield, Ms. Margaret Piesik, Mr. Mark Tueffers, and Mr. Joseph Zavaglia. They oversee the company's strategic direction and operations.

As of March 2022, the management team of FS Bancorp, Inc. includes the following individuals:<BR><BR>- Mr. Ted Leech, Independent Chairman of the Board<BR>- Mr. Joseph Adams, Chief Executive Officer and Director<BR>- Ms. Marina Cofer-Wildsmith, Independent Director<BR>- Mr. Michael Mansfield, Independent Director<BR>- Ms. Margaret Piesik, Independent Director<BR>- Mr. Mark Tueffers, Independent Director<BR>- Mr. Joseph Zavaglia, Independent Director<BR><BR>This team is responsible for overseeing the strategic direction and operations of the company.

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Is FS Bancorp, Inc. technically bullish or bearish?

20-Sep-2025

As of September 9, 2025, FS Bancorp, Inc. shows a bullish technical trend supported by weekly MACD and moving averages, despite some caution from monthly indicators and underperformance against the S&P 500 over the past year.

As of 9 September 2025, the technical trend for FS Bancorp, Inc. has changed from mildly bullish to bullish. The weekly MACD is bullish, supporting the positive stance, while the daily moving averages also indicate bullish momentum. However, the monthly MACD and KST are mildly bearish, suggesting some caution. The Bollinger Bands are bullish on the weekly timeframe, reinforcing the upward trend. Despite this bullish outlook, the stock has underperformed the S&P 500 over the past year, returning -5.87% compared to the S&P 500's 17.14%, although it has outperformed over the 3-year and 5-year periods. Overall, the current technical stance is bullish, with moderate strength driven by weekly indicators.

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Is FS Bancorp, Inc. overvalued or undervalued?

11-Nov-2025

As of November 7, 2025, FS Bancorp, Inc. is considered overvalued with a P/E ratio of 9, lower than its peers, and its valuation metrics suggest it is less attractive compared to competitors like Northfield Bancorp and Kearny Financial Corp.

As of 7 November 2025, the valuation grade for FS Bancorp, Inc. has moved from fair to expensive, indicating a shift towards overvaluation. The company appears overvalued based on its current metrics, with a P/E ratio of 9, which is lower than the peer average of approximately 14.54 for TrustCo Bank Corp. NY, but significantly lower than the very attractive Southern Missouri Bancorp, Inc. at 11.64. Additionally, FS Bancorp's price to book value stands at 0.99, suggesting it is trading close to its book value, while its EV to EBITDA ratio of 7.66 is also lower than many peers, indicating potential concerns about future growth.<BR><BR>In comparison to its peers, FS Bancorp's valuation metrics suggest it is less attractive than several competitors, such as Northfield Bancorp, Inc. at a P/E of 19.23 and Kearny Financial Corp. at 17.05, both categorized as very attractive. Although specific return data is unavailable, the lack of recent performance metrics against the S&P 500 may reinforce the notion that FS Bancorp is not keeping pace with broader market expectations.

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iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard
1

High Profitability with a Net Interest Margin of 8.49%

 
2

Positive results in Jun 25

3

With ROA of 0.68%, it has a fair valuation with a 0.99 Price to Book Value

4

High Institutional Holdings at 65.73%

5

Below par performance in long term as well as near term

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Savings Banks

stock-summary
Market cap

USD 318 Million (Micro Cap)

stock-summary
P/E

9.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

3.24%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

11.06%

stock-summary
Price to Book

1.07

Revenue and Profits:
Net Sales:
49 Million
(Quarterly Results - Jun 2025)
Net Profit:
8 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-6.71%
0%
-6.71%
6 Months
2.6%
0%
2.6%
1 Year
-14.06%
0%
-14.06%
2 Years
25.24%
0%
25.24%
3 Years
14.76%
0%
14.76%
4 Years
18.62%
0%
18.62%
5 Years
45.35%
0%
45.35%

FS Bancorp, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
16.42%
EBIT Growth (5y)
-0.11%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
24.29%
Pledged Shares
0
Institutional Holding
65.73%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.99
EV to EBIT
12.45
EV to EBITDA
7.66
EV to Capital Employed
0.99
EV to Sales
1.66
PEG Ratio
NA
Dividend Yield
2.88%
ROCE (Latest)
7.95%
ROE (Latest)
11.41%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 33 Schemes (28.18%)

Foreign Institutions

Held by 30 Foreign Institutions (6.65%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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stock-summaryCompany CV
About FS Bancorp, Inc. stock-summary
stock-summary
FS Bancorp, Inc.
Savings Banks
FS Bancorp, Inc. is a holding company for 1st Security Bank of Washington (the Bank). The Company is a diversified lender with a focus on the origination of indirect home improvement loans, also referred to as fixture secured loans, commercial real estate mortgage loans, home loans, commercial business loans and second mortgage and home equity loan products. The Company operates through the community banking segment. The Bank is a relationship-driven community bank. The Bank offers banking and financial services to local families, local and regional businesses and various industries within distinct Puget Sound area communities. It offers a range of commercial real estate loans, which are secured by income producing properties, including retail centers, warehouses and office buildings located in the market areas. It offers a range of deposit instruments, including checking accounts, money market deposit accounts, savings accounts and certificates of deposit.
Company Coordinates stock-summary
Company Details
6920 220th St SW Ste 300 , MOUNTLAKE TERRACE WA : 98043-2172
Registrar Details