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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.43
FSBW's Cash to Debt is ranked higher than
64% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. FSBW: 0.43 )
FSBW' s 10-Year Cash to Debt Range
Min: 0.3   Max: No Debt
Current: 0.43

Equity to Asset 0.14
FSBW's Equity to Asset is ranked higher than
91% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FSBW: 0.14 )
FSBW' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.17
Current: 0.14

0.08
0.17
Interest Coverage 2.73
FSBW's Interest Coverage is ranked higher than
81% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FSBW: 2.73 )
FSBW' s 10-Year Interest Coverage Range
Min: 0.33   Max: 2.73
Current: 2.73

0.33
2.73
F-Score: 2
Z-Score: 0.31
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 18.03
FSBW's Operating margin (%) is ranked higher than
60% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. FSBW: 18.03 )
FSBW' s 10-Year Operating margin (%) Range
Min: -27.94   Max: 20.86
Current: 18.03

-27.94
20.86
Net-margin (%) 12.09
FSBW's Net-margin (%) is ranked higher than
58% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. FSBW: 12.09 )
FSBW' s 10-Year Net-margin (%) Range
Min: -29.4   Max: 23.44
Current: 12.09

-29.4
23.44
ROE (%) 5.63
FSBW's ROE (%) is ranked higher than
64% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. FSBW: 5.63 )
FSBW' s 10-Year ROE (%) Range
Min: -16.63   Max: 12.22
Current: 5.63

-16.63
12.22
ROA (%) 0.82
FSBW's ROA (%) is ranked higher than
74% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. FSBW: 0.82 )
FSBW' s 10-Year ROA (%) Range
Min: -1.68   Max: 1.65
Current: 0.82

-1.68
1.65
ROC (Joel Greenblatt) (%) 38.42
FSBW's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. FSBW: 38.42 )
FSBW' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -68.27   Max: 44.85
Current: 38.42

-68.27
44.85
» FSBW's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 14.70
FSBW's P/E(ttm) is ranked higher than
79% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. FSBW: 14.70 )
FSBW' s 10-Year P/E(ttm) Range
Min: 7.43   Max: 15.19
Current: 14.7

7.43
15.19
P/B 0.88
FSBW's P/B is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. FSBW: 0.88 )
FSBW' s 10-Year P/B Range
Min: 0.58   Max: 0.95
Current: 0.88

0.58
0.95
P/S 1.78
FSBW's P/S is ranked higher than
91% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. FSBW: 1.78 )
FSBW' s 10-Year P/S Range
Min: 1.72   Max: 3.94
Current: 1.78

1.72
3.94
EV-to-EBIT 13.08
FSBW's EV-to-EBIT is ranked higher than
81% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. FSBW: 13.08 )
FSBW' s 10-Year EV-to-EBIT Range
Min: 4.5   Max: 15.5
Current: 13.08

4.5
15.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.32
FSBW's Dividend Yield is ranked lower than
72% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. FSBW: 1.32 )
FSBW' s 10-Year Dividend Yield Range
Min: 0.28   Max: 1.31
Current: 1.32

0.28
1.31
Dividend Payout 0.19
FSBW's Dividend Payout is ranked higher than
87% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. FSBW: 0.19 )
FSBW' s 10-Year Dividend Payout Range
Min: 0.14   Max: 0.28
Current: 0.19

0.14
0.28
Yield on cost (5-Year) 1.30
FSBW's Yield on cost (5-Year) is ranked lower than
72% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. FSBW: 1.30 )
FSBW' s 10-Year Yield on cost (5-Year) Range
Min: 0.28   Max: 1.31
Current: 1.3

0.28
1.31

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.88
FSBW's Price/Tangible Book is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. FSBW: 0.88 )
FSBW' s 10-Year Price/Tangible Book Range
Min: 0.59   Max: 0.95
Current: 0.88

0.59
0.95
Price/Median PS Value 0.97
FSBW's Price/Median PS Value is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. FSBW: 0.97 )
FSBW' s 10-Year Price/Median PS Value Range
Min: 0.95   Max: 1.76
Current: 0.97

0.95
1.76
Price/Graham Number 0.79
FSBW's Price/Graham Number is ranked higher than
86% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. FSBW: 0.79 )
FSBW' s 10-Year Price/Graham Number Range
Min: 0.45   Max: 0.81
Current: 0.79

0.45
0.81
Earnings Yield (Greenblatt) 7.60
FSBW's Earnings Yield (Greenblatt) is ranked higher than
78% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. FSBW: 7.60 )
FSBW' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.4   Max: 22.1
Current: 7.6

6.4
22.1

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
FS Bancorp, Inc., a Washington corporation, was organized in September 2011. It operates as a bank holding company for 1st Security Bank "Bank". The Bank is a relationship-driven community bank. The Bank delivers banking and financial services to local families, local and regional businesses and industry niches within distinct Puget Sound area communities. The Company is a lender with a focus on the origination of indirect home improvement loans, also referred to as fixture secured loans, home loans, commercial real estate mortgage loans, commercial business loans and second mortgage/home equity loan products. It conducts operations out of the main administrative office, two home lending offices and seven full-service bank branch offices in the Puget Sound region of Washington. It offers commercial real estate loans. These loans are secured by income producing properties, including retail centers, warehouses and office buildings located in the market areas. Its residential commercial construction lending program focuses on the origination of loans for the purpose of constructing, on both a pre-sold and speculative basis, and selling one-to-four-family residences within the market area. It also offers consumer marine loans, secured by boats. Marine loans represent the third segment of the consumer loan portfolio, with the balances decreasing in recent periods as the Company had sold marine loan pools to other investors. The Company's commercial business lending policy includes credit file documentation and analysis of the borrower's background, capacity to repay the loan, the adequacy of the borrower's capital and collateral, as well as an evaluation of other conditions affecting the borrower. The Company competes with Wells Fargo, Bank of America, and Chase. The Bank as a state-chartered savings bank is subject to applicable provisions of Washington law and to regulations and examinations of the DFI.
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