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Fs Bancorp(NASDAQ) FSBW

Market Cap$318.55MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2012)+1,005%
5 Year+42%
1 Year+14%
1 Month-3%
$42.65
-0.47%
-0.20Today
Fs Bancorp last closing stock price
MetricPriceDate
Last closeUSD 42.912026-07-31
Fs Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.61%USD 43.612026-07-24
1 month-3.23%USD 44.342026-07-01
3 month+5.94%USD 40.502026-05-01
Year to date+5.67%USD 40.612025-12-31
1 year+13.57%USD 37.782025-07-31
3 year+53.46%USD 27.962023-08-01
5 year+42.22%USD 30.172021-07-30
Since inception+1,005.05%USD 3.882012-07-10

Fs Bancorp Financials at a Glance

Market Cap

$318.55MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$178.70M

Net Income (TTM)

$33.36M

EPS (TTM)

$4.34

P/E Ratio

9.88

Dividend

$1.14

Beta (Volatility)

0.48 (Low)

Price

$42.65

Volume

15,868.643

Open

$42.58

Previous Close

$42.91

Daily Range

$42.35 - $43.12

52-Week Range

$36.66 - $45.85

Estimated Earnings Date

Oct 20, 2026

FSBW News

No articles available.

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About Fs Bancorp

FS Bancorp helps people and small businesses manage their money. The company provides loans for homes, cars, and local building projects. It also offers safe places to keep savings and checking accounts.

What are the Main Offerings?

  • Commercial and Consumer Banking: Provides deposit instruments like checking and money market accounts alongside commercial real estate and business loans.
  • Home Lending: Focuses on residential mortgage originations including one-to-four-family first mortgages and home equity products.
  • Consumer Loans: Offers specialized financing for boats and home improvements through a network of regional contractors.
  • Construction and Development: Supplies funding for the building of commercial properties and multi-family residential housing units.

Recent Strategic Moves

  • Announced a definitive merger agreement on February 25, 2026, to acquire Pacific West Bancorp for approximately $34.6 million.
  • Expanded physical operations to include 27 full-service bank branches across Washington and Oregon as of March 31, 2026.
  • Grew its indirect home improvement lending network to include contractors in states like Texas, Arizona, and Massachusetts.

What Makes the Bank Stand Out?

The company maintains a competitive edge through specialized lending niches like solar-related home improvements and marine financing. Its operational strength is supported by a diverse branch network serving suburban communities in the greater Puget Sound and Tri-Cities areas.

Key Financial Performance Data

  • Revenue reached $54.8 million in Q1 2026, up 6.7% from $51.4 million in Q1 2025.
  • Operating income was $9.9 million for the three months ended March 31, 2026, up 4.6% year-over-year.
  • Net income hit $7.8 million in Q1 2026, down 2.4% compared to $8 million in the previous year.
  • Operating cash flow rose to $8.7 million in Q1 2026, up 6.6% from Q1 2025.

Bottom Line

FS Bancorp has evolved from a local mutual institution into a regional holding company with a diversified lending portfolio. Its ability to combine traditional community banking with niche financing products supports its expansion across the Pacific Northwest.

AI Generated • May 20, 2026

Industry

Banks

Sector

Financials

Employees

593

CEO

Matthew D. Mullet

Website

www.investorrelations.fsbwa.com

Headquarters

Mountlake Terrace, WA 98043, US

FSBW Financials

Key Financial Metrics (TTM)

Gross Margin

57.82%

Operating Margin

14.28%

Net Income Margin

18.67%

Return on Equity

10.75%

Return on Capital

9.97%

Return on Assets

1.05%

Earnings Yield

10.12%

Dividend Yield

2.66%

Payout Ratio

24.22%

Stock Overview

Market Cap

$318.55MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

7.42M

Volume

15.87K

Avg. Volume

17.19K

Financials (TTM)

Gross Profit

$103.32M

Operating Income

$25.52M

EBITDA

$29.48M

Operating Cash Flow

$65.70M

Capital Expenditure

-$19.01M

Free Cash Flow

$46.70M

Cash & ST Invst.

$282.30M

Total Debt

$380.95M

Fs Bancorp Performance Analysis

Fs Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 140,899,0005.8%
20232023-12-31USD 187,635,00033.2%
20242024-12-31USD 206,409,00010.0%
20252025-12-31USD 219,265,0006.2%
Fs Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-305.0%
Q42025-12-312.4%
Q12026-03-31-4.2%
Q22026-06-30-80.1%
Fs Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.70-14.4%
20232023-12-31USD 4.5623.5%
20242024-12-31USD 4.36-4.3%
20252025-12-31USD 4.29-1.7%
Fs Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3019.2%
Q42025-12-31-6.8%
Q12026-03-31-7.3%
Q22026-06-302.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$10.93M

-79.4%

Gross Profit

-$8.39M

-124.3%

Gross Margin

-76.81%

N/A

Market Cap

$318.55MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$544.54K

N/A

Employees

585

N/A

Net Income

$7.94M

+2.7%

EBITDA

-$12.18M

-189.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$282.30M

+735.9%

Total Debt

$380.95M

+30.4%

Accounts Receivable

$14.26M

-0.0%

Inventory

$0.00

N/A

Long Term Debt

$380.95M

+30.4%

Short Term Debt

$0.00

N/A

Return on Assets

1.05%

N/A

Return on Invested Capital

0.80%

N/A

Free Cash Flow

$0.00

-100.0%

Operating Cash Flow

$0.00

-100.0%

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Questions About FSBW

What is the current price of Fs Bancorp?

Fs Bancorp is trading at $42.91 per share.

What is the 52-week range for Fs Bancorp?

Over the past 52 weeks, Fs Bancorp has traded between $36.66 and $45.85.

How much debt does Fs Bancorp have?

As of the most recent reporting period, Fs Bancorp reported total debt of $380.95M.

How much cash does Fs Bancorp have on hand?

Fs Bancorp does not have cash on hand data available.

What is Fs Bancorp’s dividend yield?

Fs Bancorp currently has a dividend yield of 2.66%.

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