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FS Bancorp, Inc.

FSBW

$43.24 ▲ +0.06 (+0.14%) at close

16 Visible periods

35 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

FS Bancorp, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $325.5M

Dividend Yield 3.10%

Revenue Growth 5.5% ↗

Op. Margin 26.9% ↘

ROIC None

FCF / Share None

Trailing P/E 9.9x

Price / Book 1.1x

FCF Yield —

Debt / Equity 0.42

info Valuation on last close. End-of-day price, Aug 7, 2026.

16-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$152.68M

↑ +5.5% —

Net Income Profit after all expenses

$33.35M

↓ -4.8% —

Operating Margin Operating profit as % of sales

26.9%

↓ -6.3% 83th

Long-Term Debt Long-term obligations

$186.53M

↑ +338.6% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.34 Latest / share

+26.4% YoY

+37.3% 12-yr CAGR

$0.04

FY 2014

$0.04

FY 2015

$0.07

FY 2016

$0.13

FY 2017

$0.27

FY 2018

$0.33

FY 2019

$0.42

FY 2020

$0.56

FY 2021

$0.90

FY 2022

$1.00

FY 2023

$1.06

FY 2024

$1.34

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Revenue Growth YoY (%)	5.5% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-8%)	0.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-90%)	17.5% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+191%)	-1.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-124%)	-4.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-168%)	38.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+545%)	18.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+204%)	20.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+248%)	13.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+129%)	25.8% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+330%)	41.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+598%)	13.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+117%)	26.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+334%)	41.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+594%)	—	—
EPS Growth YoY (%)	-2.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-3.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	23.5% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-16.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	78.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-22.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	134.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	106.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	21.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	96.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	17.8% Good Good Year-over-year change in earnings per share Optimal: > 10%	-26.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	-4.8% Weak ↓ Weak Declining Year-over-year change in net income	-2.9% Weak ↓ Weak Declining Year-over-year change in net income	21.6% Good ↑ Good Improving Year-over-year change in net income	-20.8% Weak ↓ Weak Declining Year-over-year change in net income	-4.7% Weak ↓ Weak Declining Year-over-year change in net income	72.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-6.7% Weak ↓ Weak Declining Year-over-year change in net income	72.9% Excellent ↑ Excellent Improving Year-over-year change in net income	34.2% Excellent ↓ Excellent Declining Year-over-year change in net income	18.3% Good ↓ Good Declining Year-over-year change in net income	95.5% Excellent ↑ Excellent Improving Year-over-year change in net income	15.8% Good ↓ Good Declining Year-over-year change in net income	-26.0% Weak Weak Year-over-year change in net income	242.7% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.2% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	3.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	9.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	16.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	25.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	17.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	20.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	26.6% Excellent → Excellent Stable Compound annual revenue growth over 3 years	26.3% Excellent → Excellent Stable Compound annual revenue growth over 3 years	26.4% Excellent Excellent Compound annual revenue growth over 3 years	26.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	3.4% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	9.2% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	13.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	16.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	23.2% Excellent → Excellent Stable Compound annual revenue growth over 5 years	23.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	22.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	23.7% Excellent Excellent Compound annual revenue growth over 5 years	29.2% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	5.1% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	0.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	0.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	13.5% Good ↓ Good Declining Compound annual EPS growth over 3 years	10.8% Good ↓ Good Declining Compound annual EPS growth over 3 years	48.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	55.8% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	80.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	70.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	41.2% Excellent Excellent Compound annual EPS growth over 3 years	19.2% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Operating Margin (%) (%)	26.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	28.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	31.5% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	30.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	38.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	38.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+54%)	30.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	36.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	31.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	28.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	30.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	20.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	20.9% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	14.2% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	9.7% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	—
Effective Tax Rate (%) (%)	18.9% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.4% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.1% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.2% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.6% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-65.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	21.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	25.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	24.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	30.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	30.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	24.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	30.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	21.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	19.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	14.1% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	13.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	23.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	9.7% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	10.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	11.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	12.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	15.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+26%)	17.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+42%)	11.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-5%)	13.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	11.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	11.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	6.9% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	6.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	8.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	5.8% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Debt to Equity (x)	0.42x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-65%)	1.04x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-13%)	0.35x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.81x Fair ↑ Fair Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-33%)	0.17x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-86%)	0.72x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-40%)	0.42x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-65%)	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Revenue per Share (USD)	$20.28	$18.79	$18.78	$15.78	$15.11	$15.15	$10.57	$10.67	$6.50	$3.71	$2.86	$2.02	$1.75	$1.40	—	—
Basic EPS, GAAP (USD)	$4.35	$4.48	$4.63	$3.75	$4.48	$4.57	$2.56	$3.29	$1.40	$0.68	$0.56	$0.28	$0.24	$0.33	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.34	$1.06	$1.00	$0.90	$0.56	$0.42	$0.33	$0.27	$0.13	$0.07	$0.04	$0.04	$0.03	—	—	—
Book Value per Share (USD)	$40.98	$37.76	$33.91	$29.95	$30.30	$27.14	$22.45	$20.04	$10.21	$4.95	$4.34	$3.80	$3.59	$3.46	—	—
Tangible Book Value per Share (USD)	$40.51	$37.30	$33.45	$29.65	$30.01	$26.86	$22.19	$19.78	$10.02	$4.81	$4.34	$3.80	$3.59	$3.46	—	—
Basic Weighted Avg Shares (shares)	7.53M	7.70M	7.66M	7.75M	8.22M	8.55M	8.83M	7.40M	10.04M	15.49M	15.93M	15.94M	16.22M	16.09M	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	$186.53M	$42.53M	$165.81M	$84.86M	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$307.69M	$295.77M	$264.49M	$231.70M	$247.51M	$230.01M	$200.24M	$180.04M	$122.00M	$81.03M	$75.34M	$65.84M	$62.31M	$59.90M	$26.77M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Sales/Revenue/Turnover (USD)	$152.68M	$144.66M	$143.79M	$122.39M	$124.16M	$129.48M	$93.34M	$78.95M	$65.32M	$57.43M	$45.64M	$32.17M	$28.47M	$22.59M	$15.95M	—
Depreciation Expense (USD)	$2.80M	$2.50M	$2.60M	$2.50M	$2.70M	$2.80M	$2.80M	$1.80M	$1.60M	$1.40M	$1.20M	$1.10M	$914.00K	$833.00K	$760.00K	—
Net Income, GAAP (USD)	$33.35M	$35.02M	$36.05M	$29.65M	$37.41M	$39.26M	$22.72M	$24.35M	$14.09M	$10.50M	$8.88M	$4.54M	$3.92M	$5.29M	$1.54M	—
Operating Cash Flow (USD)	$72.31M	$50.82M	$77.67M	$184.90M	$109.01M	$-32.32M	$9.18M	$21.44M	$15.08M	$3.59M	$-7.06M	$-4.03M	$6.10M	$-759.00K	$4.73M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Net Interest Margin (approx.) (%)	4.1%	4.1%	4.1%	4.0%	3.8%	3.5%	4.1%	3.2%	4.2%	4.1%	4.1%	4.3%	4.7%	4.6%	4.7%	—
Efficiency Ratio (%) (%)	66.8%	67.4%	65.2%	64.7%	61.4%	51.4%	66.8%	61.9%	67.3%	67.8%	64.9%	74.3%	71.5%	72.9%	75.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 16 years · 62 quarters

FS Bancorp, Inc.

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