FSBW
NEUTRAL
$41.48
Live
FS Bancorp, Inc. · NASDAQ
Target $44.0
(+6.1%)
$36.66
52W Range
$44.22
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 10, 2026
Market cap
$311.16M
P/E
9.67
ROE
11.1%
Profit margin
23.3%
Debt/Equity
N/A
Dividend yield
2.8%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
FSBW presents a classic value trap profile: fundamentally undervalued based on a Graham Number of $63.33 and an Intrinsic Value of $126.56, yet plagued by poor momentum. While the Piotroski F-Score of 4/9 indicates stable financial health, the company has failed to beat earnings estimates in the last four consecutive quarters. This fundamental disconnect is compounded by bearish insider selling and a 0/100 technical trend, suggesting that while the asset is cheap, the market is pricing in deteriorating growth or systemic regional banking risks.
Key Strengths
Significant undervaluation relative to Graham Number ($63.33) and Intrinsic Value ($126.56)
Attractive valuation multiples with a P/E of 9.67 and Price/Book of 1.00
Strong Return on Equity (ROE) of 11.05% and ROA of 1.07%
Sustainable dividend profile with a low payout ratio of 26.11%
Positive long-term price performance (5Y Change: +41.1%)
Key Risks
Severe earnings disappointment with 0/4 beats in the last four quarters
Negative Q/Q revenue growth (-9.69%) indicating a potential slowdown
Bearish insider sentiment with multiple director sales in the last 6 months
Technical trend is completely bearish (0/100)
Small market cap ($0.31B) increases volatility and liquidity risk
AI Fair Value Estimate
Based on comprehensive analysis
$65.5
+57.9% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
61
Strong
90
40
65
50
60
AI Verdict
Undervalued but Momentum-Impaired
Key drivers: Deep value gap, Earnings miss streak, Insider selling, Stable Piotroski score
Confidence
85%
Value
90/100
Ref P/E 9.67, Graham Number $63.33
Positives
- Price is well below Graham Number
- Low Forward P/E of 8.04
- P/B at 1.00
Watchpoints
- Market is ignoring value metrics
Future
40/100
Ref Growth rates and Earnings track record
Positives
- YoY Earnings growth of 20.5%
Watchpoints
- Negative Q/Q revenue growth
- Consistent earnings misses
Past
65/100
Ref Historical trends and 25-quarter track record
Positives
- Strong 3Y and 5Y price appreciation
- Historical ability to beat estimates (prior to last 4 quarters)
Watchpoints
- Recent trend reversal in earnings surprises
Health
50/100
Ref Piotroski F-Score
Positives
- Piotroski F-Score of 4/9 (Stable)
Watchpoints
- Lack of strong health signals (F-Score < 7)
Dividend
60/100
Ref Yield, Payout
Positives
- Low payout ratio (26.11%)
- Consistent dividend rate
Watchpoints
- Modest yield of 2.80%
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$41.48
Analyst Target
$44.0
Upside/Downside
+6.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for FSBW and closest competitors.
Updated 2026-04-09
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
FSBW
FS Bancorp, Inc.
Primary
|
+41.1% | +59.6% | +11.2% | +8.7% | +6.1% | +5.3% |
|
AGD
Abrdn Global Dynamic Dividend Fund
Peer
|
+81.2% | +68.9% | +36.9% | +14.5% | +4.2% | +0.1% |
|
AFB
AllianceBernstein National Municipal Income Fund, Inc.
Peer
|
-4.9% | +10.2% | +4.0% | +9.7% | +2.0% | -1.0% |
|
DEFT
DeFi Technologies Inc.
Peer
|
-55.2% | -55.2% | -58.6% | -65.9% | +12.1% | +37.6% |
|
CZFS
Citizens Financial Services, Inc.
Peer
|
+35.3% | -15.9% | +19.9% | +19.6% | +8.9% | +8.1% |
FSB
FS Bancorp, Inc.
Primary
5Y
+41.1%
3Y
+59.6%
1Y
+11.2%
6M
+8.7%
1M
+6.1%
1W
+5.3%
AGD
Abrdn Global Dynamic Dividend Fund
Peer
5Y
+81.2%
3Y
+68.9%
1Y
+36.9%
6M
+14.5%
1M
+4.2%
1W
+0.1%
AFB
AllianceBernstein National Municipal Income Fund, Inc.
Peer
5Y
-4.9%
3Y
+10.2%
1Y
+4.0%
6M
+9.7%
1M
+2.0%
1W
-1.0%
DEF
DeFi Technologies Inc.
Peer
5Y
-55.2%
3Y
-55.2%
1Y
-58.6%
6M
-65.9%
1M
+12.1%
1W
+37.6%
CZF
Citizens Financial Services, Inc.
Peer
5Y
+35.3%
3Y
-15.9%
1Y
+19.9%
6M
+19.6%
1M
+8.9%
1W
+8.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
9.67
Forward P/E
8.04
PEG Ratio
N/A
P/B Ratio
1.0
P/S Ratio
2.17
EV/Revenue
3.23
EV/EBITDA
N/A
Market Cap
$311.16M
Profitability
Profit margins and return metrics
Profit Margin
23.3%
Operating Margin
32.26%
Gross Margin
N/A
ROE
11.05%
ROA
1.07%
Growth
Revenue and earnings growth rates
Revenue Growth
+6.4%
Earnings Growth
+20.5%
Q/Q Revenue Growth
-9.69%
Q/Q Earnings Growth
+14.1%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$4.11
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
21.5%
Total Assets
$3.2B
Liabilities
$2.9B
Equity
$0.3B
Debt/Equity
9.39x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
-27%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-21
$N/A
2026-01-21
$0.97
-13.9% surprise
2025-10-21
$1.03
-4.5% surprise
2025-07-22
$0.89
-8.1% surprise
Financial Services Sector Comparison
Comparing FSBW against 306 companies in the Financial Services sector
(53 bullish, 132 neutral, 121 bearish)
P/E Ratio
9.67
This Stock
vs
55.13
Sector Avg
-82.5%
(Discount)
Return on Equity (ROE)
11.05%
This Stock
vs
-0.93%
Sector Avg
-1291.3%
(Below Avg)
Profit Margin
23.3%
This Stock
vs
69.73%
Sector Avg
-66.6%
(Weaker)
Revenue Growth
6.4%
This Stock
vs
32.66%
Sector Avg
-80.4%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
FSBW
FS Bancorp, Inc.
|
NEUTRAL | $311.16M | 9.67 | 11.1% | 23.3% | $41.48 | |
|
AGD
Abrdn Global Dynamic Dividend Fund
|
NEUTRAL | $310.97M | 7.1 | 15.7% | 220.6% | $12.5 | Compare |
|
AFB
AllianceBernstein National...
|
BEARISH | $312.74M | 90.67 | 1.0% | 12.6% | $10.88 | Compare |
|
DEFT
DeFi Technologies Inc.
|
BULLISH | $307.47M | 4.48 | 75.0% | 62.9% | $0.76 | Compare |
|
CZFS
Citizens Financial Services, Inc.
|
NEUTRAL | $317.76M | 8.67 | 11.5% | 33.3% | $66.1 | Compare |
FSBW
FS Bancorp, Inc.
NEUTRAL
Mkt Cap
$311M
P/E
9.7
ROE
11.1%
Price
$41.48
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-11-21 | COFER-WILDSMITH MARINA | Director | Sale | 2,531 | $101,261 |
| 2025-11-21 | COFER-WILDSMITH MARINA | Director | Sale | 2,531 | $101,261 |
| 2025-11-14 | COFER-WILDSMITH MARINA | Director | Sale | 3,824 | $152,961 |
| 2025-11-14 | COFER-WILDSMITH MARINA | Director | Option Exercise | 17 | $498 |
| 2025-11-13 | COFER-WILDSMITH MARINA | Director | Option Exercise | 8,543 | $238,734 |
| 2025-11-13 | COFER-WILDSMITH MARINA | Director | Option Exercise | 8,543 | $238,734 |
| 2025-11-05 | MULLET MATTHEW D | President | Option Exercise | 3,090 | $65,972 |
COFER-WILDSMITH MARINA
Director
2025-11-21
2,531 shares
·
$101,261
COFER-WILDSMITH MARINA
Director
2025-11-21
2,531 shares
·
$101,261
COFER-WILDSMITH MARINA
Director
2025-11-14
3,824 shares
·
$152,961
COFER-WILDSMITH MARINA
Director
2025-11-14
17 shares
·
$498
COFER-WILDSMITH MARINA
Director
2025-11-13
8,543 shares
·
$238,734
COFER-WILDSMITH MARINA
Director
2025-11-13
8,543 shares
·
$238,734
MULLET MATTHEW D
President
2025-11-05
3,090 shares
·
$65,972
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
2 analysts
DA Davidson
2026-02-27
Neutral
Neutral
DA Davidson
2026-01-26
Neutral
Neutral
Past News Coverage
Recent headlines mentioning FSBW from our newsroom.
Newest → oldest
No matching news yet.