FSBW
VENTE TOTALE: 2 668,852 titres (~114 699,50 $ US)
- Insiders
- Degner Terri L
- Total bought
- —
- Total sold
- $114,700
- Last activity
- 2026-08-28
- Last synced
-
2026-09-03 09:53:14
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-08-28
FSBW presents a deeply concerning risk profile driven by critically low liquidity (current ratio of 0.115) and an interest coverage ratio below 1.0, making it structurally vulnerable to near-term financial distress.
The first sentence of the analysis written for FSBW on 2026-08-28 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 66.5% | 67.0% | 73.7% | 84.6% | 92.2% | |
| Ebit Margin | 20.6% | 20.4% | 24.4% | 27.6% | 36.2% | |
| Ebitda Margin | 25.3% | 25.6% | 31.3% | 38.0% | 47.8% | |
| Operating Profit Margin | 20.6% | 20.4% | 24.4% | 27.6% | 36.2% | |
| Pretax Profit Margin | 18.9% | 20.4% | 24.4% | 27.6% | 36.2% | |
| Continuous Operations Profit Margin | 15.3% | 17.2% | 19.5% | 22.1% | 28.5% | |
| Net Profit Margin | 15.3% | 17.2% | 19.5% | 22.1% | 28.5% | |
| Bottom Line Profit Margin | 15.1% | 16.9% | 19.1% | 21.7% | 28.1% | |
| Current Ratio | 0.115 | 0.092 | 0.083 | 0.135 | 0.165 | |
| Quick Ratio | 0.115 | 0.092 | 0.083 | 0.135 | 0.165 | |
| Solvency Ratio | 0.015 | 0.017 | 0.018 | 0.018 | 0.026 | |
| Cash Ratio | 0.005 | 0.014 | 0.036 | 0.022 | 0.019 | |
| Price To Earnings Ratio | 9.486 | 9.165 | 7.983 | 8.917 | 7.609 | |
| Price To Earnings Growth Ratio | -3.036 | -2.829 | 0.340 | -0.588 | -2.318 | |
| Forward Price To Earnings Growth Ratio | -3.036 | -2.829 | 0.340 | -0.588 | -2.318 | |
| Price To Earnings Diluted Ratio | 9.619 | 9.417 | 8.105 | 9.038 | 7.785 | |
| Price To Earnings Diluted Growth Ratio | -5.242 | -2.147 | 0.349 | -0.630 | -2.056 | |
| Price To Book Ratio | 1.006 | 1.069 | 1.088 | 1.141 | 1.150 | |
| Price To Sales Ratio | 1.423 | 1.552 | 1.554 | 1.972 | 2.171 | |
| Price To Free Cash Flow Ratio | 5.959 | 6.426 | 3.787 | 1.442 | 2.660 | |
| Price To Operating Cash Flow Ratio | 4.280 | 6.219 | 3.706 | 1.430 | 2.611 | |
| Debt To Assets Ratio | 0.044 | 0.117 | 0.020 | 0.092 | 0.042 | |
| Debt To Equity Ratio | 0.459 | 1.200 | 0.228 | 1.046 | 0.391 | |
| Debt To Capital Ratio | 0.314 | 0.545 | 0.186 | 0.511 | 0.281 | |
| Long Term Debt To Capital Ratio | 0.296 | 0.542 | 0.168 | 0.505 | 0.271 | |
| Financial Leverage Ratio | 10.390 | 10.242 | 11.239 | 11.364 | 9.238 | |
| Working Capital Turnover Ratio | -0.095 | -0.092 | -0.089 | -0.078 | -0.088 | |
| Operating Cash Flow Ratio | 0.026 | 0.022 | 0.031 | 0.087 | 0.057 | |
| Operating Cash Flow Sales Ratio | 0.332 | 0.249 | 0.419 | 1.379 | 0.832 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.718 | 0.968 | 0.978 | 0.992 | 0.982 | |
| Debt Service Coverage Ratio | 0.649 | 0.719 | 1.110 | 3.029 | 5.408 | |
| Interest Coverage Ratio | 0.669 | 0.674 | 1.032 | 2.566 | 4.876 | |
| Short Term Operating Cash Flow Coverage Ratio | 12.279 | 29.791 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.513 | 0.143 | 1.289 | 0.763 | 1.127 | |
| Capital Expenditure Coverage Ratio | 3.549 | 31.084 | 46.481 | 119.212 | 54.944 | |
| Dividend Paid And Capex Coverage Ratio | 2.360 | 5.134 | 8.232 | 21.383 | 16.552 | |
| Dividend Payout Ratio | 0.308 | 0.236 | 0.215 | 0.239 | 0.123 | |
| Enterprise Value Multiple | 7.954 | 12.228 | 4.458 | 9.035 | 5.500 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 66.5% | ▼-0.4% | ▼-10.3% |
| Ebit Margin | 20.6% | ▲0.2% | ▼-5.3% |
| Ebitda Margin | 25.3% | ▼-0.3% | ▼-8.3% |
| Operating Profit Margin | 20.6% | ▲0.2% | ▼-5.3% |
| Pretax Profit Margin | 18.9% | ▼-1.5% | ▼-6.6% |
| Continuous Operations Profit Margin | 15.3% | ▼-1.9% | ▼-5.2% |
| Net Profit Margin | 15.3% | ▼-1.9% | ▼-5.2% |
| Bottom Line Profit Margin | 15.1% | ▼-1.8% | ▼-5.1% |
| Current Ratio | 0.115 | ▲0.023 | ▼-0.003 |
| Quick Ratio | 0.115 | ▲0.023 | ▼-0.003 |
| Solvency Ratio | 0.015 | ▼-0.002 | ▼-0.004 |
| Cash Ratio | 0.005 | ▼-0.009 | ▼-0.014 |
| Price To Earnings Ratio | 9.486 | ▲0.321 | ▲0.854 |
| Price To Earnings Growth Ratio | -3.036 | ▼-0.207 | ▼-1.349 |
| Forward Price To Earnings Growth Ratio | -3.036 | ▼-0.207 | ▼-1.349 |
| Price To Earnings Diluted Ratio | 9.619 | ▲0.202 | ▲0.826 |
| Price To Earnings Diluted Growth Ratio | -5.242 | ▼-3.095 | ▼-3.297 |
| Price To Book Ratio | 1.006 | ▼-0.063 | ▼-0.085 |
| Price To Sales Ratio | 1.423 | ▼-0.129 | ▼-0.311 |
| Price To Free Cash Flow Ratio | 5.959 | ▼-0.467 | ▲1.905 |
| Price To Operating Cash Flow Ratio | 4.280 | ▼-1.939 | ▲0.631 |
| Debt To Assets Ratio | 0.044 | ▼-0.073 | ▼-0.019 |
| Debt To Equity Ratio | 0.459 | ▼-0.742 | ▼-0.206 |
| Debt To Capital Ratio | 0.314 | ▼-0.231 | ▼-0.053 |
| Long Term Debt To Capital Ratio | 0.296 | ▼-0.246 | ▼-0.060 |
| Financial Leverage Ratio | 10.390 | ▲0.148 | ▼-0.105 |
| Working Capital Turnover Ratio | -0.095 | ▼-0.004 | ▼-0.007 |
| Operating Cash Flow Ratio | 0.026 | ▲0.004 | ▼-0.018 |
| Operating Cash Flow Sales Ratio | 0.333 | ▲0.083 | ▼-0.310 |
| Free Cash Flow Operating Cash Flow Ratio | 0.718 | ▼-0.250 | ▼-0.209 |
| Debt Service Coverage Ratio | 0.649 | ▼-0.070 | ▼-1.534 |
| Interest Coverage Ratio | 0.669 | ▼-0.004 | ▼-1.294 |
| Short Term Operating Cash Flow Coverage Ratio | 12.279 | ▼-17.511 | ▲3.865 |
| Operating Cash Flow Coverage Ratio | 0.513 | ▲0.369 | ▼-0.254 |
| Capital Expenditure Coverage Ratio | 3.549 | ▼-27.535 | ▼-47.505 |
| Dividend Paid And Capex Coverage Ratio | 2.360 | ▼-2.773 | ▼-8.372 |
| Dividend Payout Ratio | 0.308 | ▲0.072 | ▲0.084 |
| Enterprise Value Multiple | 7.954 | ▼-4.274 | ▲0.119 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $309.5M | $316.1M | $287.8M | $264.4M | $284.6M | |
| Enterprise value | $437.1M | $637.7M | $258.2M | $460.7M | $344.3M | |
| EV / Sales | 2.01x | 3.13x | 1.39x | 3.44x | 2.63x | |
| EV / Op. cash flow | 6.04x | 12.55x | 3.33x | 2.49x | 3.16x | |
| EV / Free cash flow | 8.42x | 12.96x | 3.40x | 2.51x | 3.22x | |
| EV / EBITDA | 7.95x | 12.23x | 4.46x | 9.04x | 5.50x | |
| Net debt / EBITDA | 2.32x | 6.17x | -0.51x | 3.85x | 0.95x | |
| Current ratio | 0.12x | 0.09x | 0.08x | 0.14x | 0.17x | |
| Income quality | 2.17x | 1.45x | 2.15x | 6.24x | 2.91x | |
| Graham number | $64 | $63 | $59 | $50 | $54 | |
| Graham net-net | -$343 | -$328 | -$321 | -$268 | -$204 | |
| Tax burden | 81.1% | 84.2% | 79.6% | 80.2% | 78.9% | |
| Interest burden | 91.9% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$2.44B | -$2.12B | -$2.31B | -$1.84B | -$1.60B | |
| Invested capital | -$2.38B | -$2.06B | -$2.24B | -$1.79B | -$1.55B | |
| Return on assets | 1.0% | 1.2% | 1.2% | 1.1% | 1.6% | |
| Operating ROA | 1.4% | 1.4% | 1.6% | 1.5% | 2.2% | |
| Return on tangible assets | 1.0% | 1.2% | 1.2% | 1.1% | 1.7% | |
| Return on equity | 10.8% | 11.8% | 13.6% | 12.8% | 15.1% | |
| Return on invested capital | 8.1% | 5.1% | 8.0% | 5.9% | 10.1% | |
| Return on capital employed | 10.1% | 6.0% | 10.1% | 7.3% | 12.8% | |
| Earnings yield | 10.8% | 11.1% | 12.5% | 11.2% | 13.1% | |
| Free cash flow yield | 16.8% | 15.6% | 26.4% | 69.4% | 37.6% | |
| Capex / Op. cash flow | 28.2% | 3.2% | 2.2% | 0.8% | 1.8% | |
| Capex / Depreciation | 170.7% | 15.5% | 13.2% | 11.1% | 13.1% | |
| Capex / Sales | 9.4% | 0.8% | 0.9% | 1.2% | 1.5% | |
| SG&A / Sales | 26.9% | 28.7% | 31.0% | 37.1% | 38.9% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.0% | 0.9% | 1.1% | 1.5% | 2.5% | |
| Intangibles / Total assets | 0.4% | 0.9% | 1.3% | 0.9% | 1.0% | |
| Days sales outstanding | 25d | 25d | 28d | 30d | 21d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 25d | 25d | 28d | 30d | 21d | |
| Cash conversion cycle | 25d | 25d | 28d | 30d | 21d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-2.1%EV / Sales ▼-35.8%EV / EBITDA ▼-35.0%EV / Op. cash flow ▼-6.502Earnings yield ▼-0.003Graham number ▲+1.195
Profitability
Return on equity ▼-0.010Return on assets ▼-0.001Return on invested capital ▲+0.030Return on capital employed ▲+0.041Operating ROA ▲+0.001Income quality ▲+0.717Tax burden ▼-0.031
Efficiency
Days sales outstanding ▼-0.348Days payables outstanding n/aOperating cycle ▼-0.348Cash conversion cycle ▼-0.348Capex / Sales ▲+0.086R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.023Net debt / EBITDA ▼-3.845Working capital ▼-312385000.000Invested capital ▼-315850000.000Intangibles / Total assets ▼-0.004
Change over 5 years
Valuation
Market cap ▲+8.7%EV / Sales ▼-23.5%EV / EBITDA ▲+44.6%EV / Op. cash flow ▲+2.886Earnings yield ▼-0.024Graham number ▲+9.982
Profitability
Return on equity ▼-0.043Return on assets ▼-0.006Return on invested capital ▼-0.020Return on capital employed ▼-0.027Operating ROA ▼-0.007Income quality ▼-0.745Tax burden ▲+0.022
Efficiency
Days sales outstanding ▲+3.378Days payables outstanding n/aOperating cycle ▲+3.378Cash conversion cycle ▲+3.378Capex / Sales ▲+0.079R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.050Net debt / EBITDA ▲+1.368Working capital ▼-837416000.000Invested capital ▼-833731000.000Intangibles / Total assets ▼-0.006
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-08-24 FS Bancorp, Inc. Authorizes Share Repurchase Program MOUNTLAKE TERRACE, Wash., Aug. 24, 2026 (GLOBE NEWSWIRE) -- FS Bancorp, Inc. (NASDAQ: FSBW) (“Company”), the holding company for 1st Security Bank of Washington (“Bank”) announced that its Board of Directors has authorized a share repurchase program of up to $5.0 million in shares of the Company''s outstanding common stock in the open market, in privately negotiated transactions from time to time over a 12-month period until August 24, 2027, at such prices as may be determined by the Company''s management. The repurchase program will commence no sooner than the second trading day after the public announcement of this repurchase program.
- 2026-08-20 FS Bancorp, Inc. Announces Completion of Acquisition of Pacific West Bancorp MOUNTLAKE TERRACE, Wash., Aug. 20, 2026 (GLOBE NEWSWIRE) -- (NASDAQ : FSBW) FS Bancorp, Inc. (“FS Bancorp”), the parent company of 1st Security Bank of Washington, announced that effective August 19, 2026, it completed its previously announced acquisition of Pacific West Bancorp (“Pacific West”), an Oregon corporation and the merger of Pacific West Bank, the bank subsidiary of Pacific West, into 1st Security Bank of Washington.
- 2026-08-14 Dividend Champion, Contender, And Challenger Highlights: Week August 16 A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates.
- 2026-07-21 FS Bancorp (FSBW) Reports Q2 Earnings: What Key Metrics Have to Say The headline numbers for FS Bancorp (FSBW) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
- 2026-07-21 FS Bancorp (FSBW) Q2 Earnings Lag Estimates FS Bancorp (FSBW) came out with quarterly earnings of $1.08 per share, missing the Zacks Consensus Estimate of $1.13 per share. This compares to earnings of $0.99 per share a year ago.
- 2026-07-21 FS Bancorp, Inc. Reports Second Quarter Net Income of $7.9 Million or $1.04 Per Diluted Share and Declares 54th Consecutive Quarterly Cash Dividend MOUNTLAKE TERRACE, Wash., July 21, 2026 (GLOBE NEWSWIRE) -- FS Bancorp, Inc. (NASDAQ: FSBW) (the “Company”), the holding company for 1st Security Bank of Washington (the “Bank”) today reported 2026 second quarter net income of $7.9 million, or $1.04 per diluted share, compared to $7.8 million, or $1.02 per diluted share, for the prior quarter, and $7.7 million, or $0.99 per diluted share, for the comparable quarter one year ago. For the six months ended June 30, 2026, net income was $15.8 million, or $2.07 per diluted share, compared to net income of $15.7 million, or $1.99 per diluted share, for the comparable six-month period in 2025.
- 2026-06-23 Is FS Bancorp (FSBW) a Great Value Stock Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.