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FSBW vs NCA

FSBW
FS Bancorp, Inc.
NEUTRAL
Price
$41.72
Market Cap
$313.0M
Sector
Financial Services
AI Confidence
85%
NCA
Nuveen California Municipal Value Fund
NEUTRAL
Price
$9.42
Market Cap
$311.9M
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
FSBW
9.48
NCA
--
Forward P/E
FSBW
8.09
NCA
--
P/B Ratio
FSBW
1.0
NCA
1.06
P/S Ratio
FSBW
2.19
NCA
23.66
EV/EBITDA
FSBW
--
NCA
--

Profitability

Gross Margin
FSBW
0.0%
NCA
100.0%
Operating Margin
FSBW
32.26%
NCA
87.99%
Profit Margin
FSBW
23.3%
NCA
-53.95%
ROE
FSBW
11.05%
NCA
--
ROA
FSBW
1.07%
NCA
--

Growth

Revenue Growth
FSBW
6.4%
NCA
--
Earnings Growth
FSBW
20.5%
NCA
--

Financial Health

Debt/Equity
FSBW
--
NCA
--
Current Ratio
FSBW
--
NCA
3.46
Quick Ratio
FSBW
--
NCA
3.46

Dividends

Dividend Yield
FSBW
2.84%
NCA
3.82%
Payout Ratio
FSBW
26.11%
NCA
65.66%

AI Verdict

FSBW NEUTRAL

FSBW presents a classic value disconnect: it is significantly undervalued relative to its Graham Number ($63.33) and Intrinsic Value ($126.56), yet it suffers from poor short-term momentum. The Piotroski F-Score of 4/9 indicates stable but mediocre financial health, while a recent streak of four consecutive earnings misses suggests a deterioration in operational performance. Despite a strong ROA of 1.07% and a sustainable dividend payout, bearish insider activity and a 0/100 technical trend offset the attractive valuation metrics.

Strengths
Significant undervaluation relative to Graham Number and Intrinsic Value
Low P/E ratio (9.48) and Price-to-Book ratio of 1.00
Strong ROA (1.07%) exceeding the typical 1% banking benchmark
Risks
Consistent earnings misses (0/4 beats in the last 4 quarters)
Negative Q/Q revenue growth (-9.69%)
Bearish insider sentiment with recent director sales
NCA NEUTRAL

NCA exhibits a stable financial profile with a Piotroski F-Score of 4/9, indicating a baseline of operational stability. The fund is trading at a slight premium to its book value (P/B 1.06), which is typical for specialized municipal value funds. While the 1-year price performance is strong at +16.4%, the provided technical trend score is bearish (0/100), suggesting a potential short-term peak. Overall, the asset functions as a steady income vehicle rather than a growth play, supported by a 3.82% dividend yield.

Strengths
Strong liquidity position with a current ratio of 3.46
Positive long-term price trajectory (1Y: +16.4%, 3Y: +18.9%)
Stable health baseline (Piotroski F-Score 4/9)
Risks
Negative profit margins (-53.95%) impacting net earnings
Bearish technical trend indicator (0/100)
Low insider sentiment score (40/100)

Compare Another Pair

FSBW vs NCA: Head-to-Head Comparison

This page compares FS Bancorp, Inc. (FSBW) and Nuveen California Municipal Value Fund (NCA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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