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FS Bancorp, Inc. FSBW | NASDAQ

$43.29 -$0.54 | -1.23%

SIGNAL:

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|2026-09-30 |F&G 48 |RSI 46.9

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Company Overview:

Market Cap: $325.45M

Trailing PE: 10x

FWD PE *: 9.8x

Payout Ratio (TTM): 30.7%

52-Week Range: $36.66 - $45.85

* Forward PE is based on street estimates.

10 Year FSBW Performance Metrics:

Total Return (with DRIP): 276.3% (14.17% CAGR)

Total Return (no DRIP): 253.8% (13.47% CAGR)

Share Price: 196.5% (11.48% CAGR)

Yield on Cost (with DRIP): 10.08%

Total Invested: $10,000

Total Value (with DRIP): $37,625

Total Return $ (with DRIP): $27,625

Dividend Increase: 480.0% (19.77% CAGR)

Dividend Yield (FWD): 2.68% ($1.16)

FSBW 10-yr Total Return ($10K invested)

1M 3M 6M YTD 1Y 3Y 5Y 10Y

FSBW Share Price

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

FSBW Price CAGR:1Y: 8.44%2Y: -1.36%5Y: 4.58%10Y: 11.48%

FSBW Dividend Charts

FSBW - Dividends

FSBW Dividend CAGR:1Y: 3.57%2Y: 3.64%5Y: 14.09%10Y: 19.22%

FSBW - Dividend Payout Ratio

FSBW Dividend Payout Ratio CAGR:1Y: -3.03%2Y: 9.53%5Y: 15.02%10Y: 9.99%

FSBW - Dividend to Free Cash Flow Ratio

FSBW Dividend to FCF Ratio CAGR:1Y: -88.66%2Y: -54.96%5Y: 14.67%10Y: -4.40%

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FSBW Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

FSBW - Revenue

FSBW Revenue CAGR:1Y: -79.45%2Y: -53.79%5Y: -17.60%10Y: -2.56%

FSBW - Earnings Per Share (EPS)

FSBW EPS CAGR:1Y: 5.05%2Y: -4.06%5Y: 1.40%10Y: 8.04%

FSBW - Net Income

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FSBW Net Income CAGR:1Y: 2.69%2Y: -5.88%5Y: -1.18%10Y: 10.84%

FSBW - EBITDA

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FSBW EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

FSBW - Free Cash Flow

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FSBW Free Cash Flow CAGR:1Y: 778.44%2Y: 128.85%5Y: -0.88%10Y: 27.53%

FSBW - Free Cash Flow / Share

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FSBW Free Cash Flow / Share CAGR:1Y: 785.75%2Y: 131.43%5Y: 1.33%10Y: 24.21%

FSBW - Operating Income

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FSBW Operating Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

FSBW - Gross Profit

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FSBW Gross Profit CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

FSBW - Shares Outstanding

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FSBW Shares Outstanding CAGR:1Y: -0.56%2Y: -0.91%5Y: -2.44%10Y: 2.58%

FSBW - Share Buybacks

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FSBW Share Buybacks CAGR:1Y: -27.71%2Y: 26.53%5Y: -7.37%10Y: 4.31%

FSBW - Stock-Based Comp

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FSBW Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

FSBW - Expenses

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FSBW Expenses CAGR:1Y: -55.57%2Y: 44.47%5Y: -17.11%10Y: 2.60%

FSBW - Revenue vs Net Income

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FSBW - EPS vs FCF / Share

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FSBW - EPS vs PE Ratio

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FSBW - FCF vs FCF / Share

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FSBW - FCF vs Stock Based Comp

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FSBW - Cash & Debt

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FSBW - Revenue by Segment

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FSBW Revenue CAGR:1Y: -79.45%2Y: -53.79%5Y: -17.60%10Y: -2.56%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

FSBW - REVENUE: Actual + Estimates

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FSBW Actual Revenue CAGR:1Y: -79.45%2Y: -53.79%5Y: -17.60%10Y: -2.56%

FSBW - EPS: Actual + Estimates

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FSBW Actual EPS CAGR:1Y: 5.05%2Y: -4.06%5Y: 1.40%10Y: 8.04%

FSBW - NET INCOME: Actual + Estimates

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FSBW Actual Net Income CAGR:1Y: 2.69%2Y: -5.88%5Y: -1.18%10Y: 10.84%

FSBW - EBITDA: Actual + Estimates

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FSBW Actual EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

FSBW - Net Profit Margin

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FSBW Net Profit Margin CAGR:1Y: 399.59%2Y: 103.68%5Y: 19.93%10Y: 13.76%

FSBW - Gross Profit Margin

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FSBW Gross Profit Margin CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

FSBW - Price to Earnings

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FSBW Price to Earnings CAGR:1Y: 2.04%2Y: 15.77%5Y: 2.50%10Y: 4.52%

FSBW - Price To Sales Ratio

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FSBW Price To Sales Ratio CAGR:1Y: 431.78%2Y: 138.48%5Y: 23.49%10Y: 19.17%

FSBW - Return on Capital Employed

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FSBW Return on Capital Employed CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

FSBW - Return on Invested Capital

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FSBW Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

FSBW Dividends Info:

Annual Dividend: $1.16

Forward Yield: 2.68%

Ex-Dividend Date: 2026-08-07

Lifetime Dividends / Share: $7.70

FSBW Dividend History: Dates, Payments & Yield list

Below is a schedule of all FSBW dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/07/2026	08/21/2026	$0.290	2.69%	2.73%	$42.47
05/07/2026	05/21/2026	$0.290	2.81%	2.81%	$41.21
02/06/2026	02/19/2026	$0.290	2.74%	2.76%	$41.97
02/05/2026	02/19/2026	$0.290	2.82%	0%	$0.00
11/06/2025	11/20/2025	$0.280	2.95%	2.87%	$39.02
08/07/2025	08/21/2025	$0.500	5.23%	5.01%	$39.90
05/08/2025	05/22/2025	$0.280	2.79%	2.91%	$38.50
02/06/2025	02/20/2025	$0.280	2.74%	2.89%	$38.78
11/07/2024	11/21/2024	$0.270	2.29%	2.34%	$46.11
08/07/2024	08/21/2024	$0.270	2.66%	2.54%	$42.49
05/08/2024	05/23/2024	$0.260	3.23%	3.18%	$32.66
02/07/2024	02/22/2024	$0.260	3.13%	3.13%	$33.20
11/08/2023	11/22/2023	$0.250	3.44%	3.19%	$31.30
08/09/2023	08/24/2023	$0.250	3.11%	3.23%	$30.98
05/10/2023	05/25/2023	$0.250	3.47%	3.44%	$29.08
02/08/2023	02/23/2023	$0.250	2.72%	2.75%	$36.30
11/08/2022	11/23/2022	$0.200	2.58%	2.35%	$34.00
08/10/2022	08/25/2022	$0.200	2.65%	2.61%	$30.60
05/11/2022	05/26/2022	$0.300	4.12%	3.96%	$30.27
02/09/2022	02/24/2022	$0.200	2.44%	2.51%	$31.83
11/09/2021	11/24/2021	$0.150	1.72%	1.73%	$34.61
07/22/2021	08/06/2021	$0.140	1.61%	1.56%	$35.87
05/05/2021	05/20/2021	$0.135	1.55%	1.54%	$35.13
02/10/2021	02/25/2021	$0.130	1.75%	1.73%	$30.02
11/05/2020	11/19/2020	$0.105	1.81%	1.65%	$25.41
08/05/2020	08/20/2020	$0.105	2.16%	2.07%	$20.25
05/06/2020	05/21/2020	$0.105	2.15%	2.1%	$20.01
02/04/2020	02/19/2020	$0.105	1.56%	1.63%	$25.77
10/31/2019	11/15/2019	$0.050	0.7%	0.67%	$29.74
08/07/2019	08/22/2019	$0.075	1.29%	1.23%	$24.46
05/08/2019	05/23/2019	$0.075	1.15%	1.25%	$24.00
02/05/2019	02/20/2019	$0.075	1.19%	1.15%	$26.08
11/07/2018	11/21/2018	$0.070	1.19%	1.2%	$23.43
08/07/2018	08/23/2018	$0.070	0.92%	0.96%	$29.20
04/27/2018	05/14/2018	$0.070	0.99%	0.97%	$28.94
02/06/2018	02/21/2018	$0.055	0.79%	0.8%	$27.45
11/08/2017	11/22/2017	$0.055	0.81%	0.77%	$28.42
08/07/2017	08/24/2017	$0.055	0.96%	0.88%	$24.86
05/09/2017	05/25/2017	$0.055	0.99%	1.01%	$21.86
02/06/2017	02/22/2017	$0.050	1.07%	1.05%	$19.00
11/08/2016	11/23/2016	$0.050	1.3%	1.22%	$16.37
08/09/2016	08/25/2016	$0.050	1.44%	1.45%	$13.80
05/09/2016	05/25/2016	$0.050	1.62%	1.62%	$12.37
02/08/2016	02/24/2016	$0.035	1.17%	1.15%	$12.20
11/06/2015	11/25/2015	$0.035	1.09%	1.08%	$13.00
08/10/2015	08/26/2015	$0.035	1.18%	1.21%	$11.59
05/12/2015	05/28/2015	$0.035	1.27%	1.3%	$10.78
02/10/2015	02/26/2015	$0.030	1.25%	1.23%	$9.72
11/12/2014	11/25/2014	$0.030	1.39%	1.38%	$8.69
08/12/2014	08/26/2014	$0.030	1.39%	1.38%	$8.68
05/12/2014	05/27/2014	$0.030	1.4%	1.4%	$8.56
02/12/2014	02/24/2014	$0.025	1.19%	1.19%	$8.40
11/13/2013	11/29/2013	$0.025	1.16%	1.16%	$8.61
08/13/2013	08/30/2013	$0.025	1.17%	1.19%	$8.40
05/13/2013	05/29/2013	$0.025	1.19%	1.18%	$8.50

Projected Future Returns & Dividends for FSBW

Based on past 10-year performance, here are FSBW growth metrics:

Share price CAGR of +11.48%
Dividend CAGR of +19.24%

Using FSBW CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	FSBW (DRIP)	FSBW - No DRIP
Current Price	$43.29	$43.29
Start Shares	231.00	231.00
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	333.70	231.00
Dividends Payment	$1.69	$1.69
Annual Dividends	$2,250	$1,558
Yield on cost	22.50%	15.58%
Share Price	$128.36	$128.36
Total Dividends	$8,310	$6,701
Final Value	$42,833	$36,352

Estimated Future Value + Dividends - FSBW

NOTE: Above numbers are our estimate based on FSBW's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

FS Bancorp, Inc. (FSBW) had its IPO on 2012-07-10, and is traded on NASDAQ stock exchange.

FS Bancorp, Inc. functions as the holding company for 1st Security Bank of Washington, delivering a comprehensive suite of banking and financial services. These offerings cater to families, local and regional businesses, and specialized industry sectors. The company operates through two main divisions: Commercial and Consumer Banking, and Home Lending. Its deposit portfolio includes checking, money market, and savings accounts, alongside certificates of deposit. For lending, FS Bancorp provides diverse options such as first and second mortgages for one-to-four-family residences, home equity loans, non-mortgage commercial business loans, commercial real estate and construction/development financing, and a variety of consumer loans including personal lines of credit, credit cards, auto, direct home improvement, deposit-secured, and recreational vehicle loans. As of December 31, 2021, the company maintained 21 full-service bank branches and 10 home loan production offices, strategically situated in suburban communities across the greater Puget Sound area (including Snohomish, King, Pierce, Jefferson, Kitsap, Clallam, Grays Harbor, Thurston, and Lewis counties), with an additional loan production office serving the Tri-Cities market. Established in 1936, FS Bancorp, Inc. is headquartered in Mountlake Terrace, Washington.

FSBW website: https://www.fsbwa.com

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DCF Model — FSBW

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $43.29

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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