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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 4.37
FSBW's Cash to Debt is ranked higher than
53% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.02 vs. FSBW: 4.37 )
Ranked among companies with meaningful Cash to Debt only.
FSBW' s Cash to Debt Range Over the Past 10 Years
Min: 0.28  Med: 1.81 Max: N/A
Current: 4.37
Equity to Asset 0.09
FSBW's Equity to Asset is ranked lower than
66% of the 1667 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FSBW: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
FSBW' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.13 Max: 0.17
Current: 0.09
0.08
0.17
Interest Coverage 3.38
FSBW's Interest Coverage is ranked higher than
71% of the 1535 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.66 vs. FSBW: 3.38 )
Ranked among companies with meaningful Interest Coverage only.
FSBW' s Interest Coverage Range Over the Past 10 Years
Min: 0.33  Med: 1.35 Max: 3.76
Current: 3.38
0.33
3.76
F-Score: 4
M-Score: -1.85
WACC vs ROIC
3.88%
10.04%
WACC
ROIC
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 : 6/10

vs
industry
vs
history
Operating margin (%) 27.92
FSBW's Operating margin (%) is ranked lower than
58% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.85 vs. FSBW: 27.92 )
Ranked among companies with meaningful Operating margin (%) only.
FSBW' s Operating margin (%) Range Over the Past 10 Years
Min: -27.94  Med: 11.14 Max: 30.12
Current: 27.92
-27.94
30.12
Net-margin (%) 17.85
FSBW's Net-margin (%) is ranked lower than
66% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.32 vs. FSBW: 17.85 )
Ranked among companies with meaningful Net-margin (%) only.
FSBW' s Net-margin (%) Range Over the Past 10 Years
Min: -29.4  Med: 9.69 Max: 23.44
Current: 17.85
-29.4
23.44
ROE (%) 11.67
FSBW's ROE (%) is ranked higher than
72% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.23 vs. FSBW: 11.67 )
Ranked among companies with meaningful ROE (%) only.
FSBW' s ROE (%) Range Over the Past 10 Years
Min: -16.63  Med: 6.42 Max: 12.57
Current: 11.67
-16.63
12.57
ROA (%) 1.31
FSBW's ROA (%) is ranked higher than
75% of the 1690 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FSBW: 1.31 )
Ranked among companies with meaningful ROA (%) only.
FSBW' s ROA (%) Range Over the Past 10 Years
Min: -1.68  Med: 0.56 Max: 1.65
Current: 1.31
-1.68
1.65
Revenue Growth (3Y)(%) 26.10
FSBW's Revenue Growth (3Y)(%) is ranked higher than
94% of the 1390 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. FSBW: 26.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FSBW' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 26.1
Current: 26.1
0
26.1
EBITDA Growth (3Y)(%) 56.70
FSBW's EBITDA Growth (3Y)(%) is ranked higher than
95% of the 1280 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. FSBW: 56.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FSBW' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 56.7
Current: 56.7
0
56.7
EPS Growth (3Y)(%) 18.50
FSBW's EPS Growth (3Y)(%) is ranked higher than
76% of the 1261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FSBW: 18.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FSBW' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 18.5
Current: 18.5
0
18.5
» FSBW's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:TYCB, OTCPK:FDBC, NAS:CBAN, OTCPK:FBTT, OTCPK:EFSI, OTCPK:FMBM, NAS:TRCB, NAS:WBB, NAS:BKSC, OTCPK:CPKF, OTCPK:KTYB, OTCPK:EMYB, NAS:OVLY, NAS:SAL, NAS:FSFG, OTCPK:FNRN, NAS:SBCP, OTCPK:PFLC, OTCPK:CCFN, OTCPK:CABC » details
FS Bancorp Inc is a bank holding company for 1st Security Bank. The Bank delivers banking and financial services to local families, local & regional businesses and industry niches within distinct Puget Sound area communities.

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 is subject to applicable provisions of Washington law and to regulations and examinations of the DFI.

Ratios

vs
industry
vs
history
P/E(ttm) 9.08
FSBW's P/E(ttm) is ranked higher than
68% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. FSBW: 9.08 )
Ranked among companies with meaningful P/E(ttm) only.
FSBW' s P/E(ttm) Range Over the Past 10 Years
Min: 7.43  Med: 10.15 Max: 15.19
Current: 9.08
7.43
15.19
PE(NRI) 9.08
FSBW's PE(NRI) is ranked higher than
68% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.50 vs. FSBW: 9.08 )
Ranked among companies with meaningful PE(NRI) only.
FSBW' s PE(NRI) Range Over the Past 10 Years
Min: 7.42  Med: 10.15 Max: 15.14
Current: 9.08
7.42
15.14
Price/Owner Earnings (ttm) 11.88
FSBW's Price/Owner Earnings (ttm) is ranked higher than
52% of the 865 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.14 vs. FSBW: 11.88 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FSBW' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 5.58  Med: 7.16 Max: 12.2
Current: 11.88
5.58
12.2
P/B 1.06
FSBW's P/B is ranked lower than
56% of the 1654 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. FSBW: 1.06 )
Ranked among companies with meaningful P/B only.
FSBW' s P/B Range Over the Past 10 Years
Min: 0.58  Med: 0.90 Max: 1.15
Current: 1.06
0.58
1.15
P/S 1.61
FSBW's P/S is ranked higher than
77% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. FSBW: 1.61 )
Ranked among companies with meaningful P/S only.
FSBW' s P/S Range Over the Past 10 Years
Min: 1.55  Med: 1.77 Max: 3.94
Current: 1.61
1.55
3.94
EV-to-EBIT 0.28
FSBW's EV-to-EBIT is ranked higher than
99% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.99 vs. FSBW: 0.28 )
Ranked among companies with meaningful EV-to-EBIT only.
FSBW' s EV-to-EBIT Range Over the Past 10 Years
Min: -0.1  Med: 9.00 Max: 15.5
Current: 0.28
-0.1
15.5
EV-to-EBITDA 0.25
FSBW's EV-to-EBITDA is ranked higher than
100% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.84 vs. FSBW: 0.25 )
Ranked among companies with meaningful EV-to-EBITDA only.
FSBW' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.1  Med: 7.10 Max: 11
Current: 0.25
-0.1
11

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.22
FSBW's Dividend Yield is ranked lower than
87% of the 2261 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. FSBW: 1.22 )
Ranked among companies with meaningful Dividend Yield only.
FSBW' s Dividend Yield Range Over the Past 10 Years
Min: 0.28  Med: 1.13 Max: 1.33
Current: 1.22
0.28
1.33
Dividend Payout 0.10
FSBW's Dividend Payout is ranked higher than
93% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. FSBW: 0.10 )
Ranked among companies with meaningful Dividend Payout only.
FSBW' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.13 Max: 0.28
Current: 0.1
0.08
0.28
Forward Dividend Yield 1.58
FSBW's Forward Dividend Yield is ranked lower than
84% of the 2124 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.29 vs. FSBW: 1.58 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.22
FSBW's Yield on cost (5-Year) is ranked lower than
87% of the 2499 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.61 vs. FSBW: 1.22 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FSBW' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.28  Med: 1.13 Max: 1.33
Current: 1.22
0.28
1.33

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.24
FSBW's Price/Tangible Book is ranked lower than
61% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. FSBW: 1.24 )
Ranked among companies with meaningful Price/Tangible Book only.
FSBW' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.59  Med: 0.92 Max: 1.23
Current: 1.24
0.59
1.23
Price/Projected FCF 7.90
FSBW's Price/Projected FCF is ranked lower than
99% of the 897 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. FSBW: 7.90 )
Ranked among companies with meaningful Price/Projected FCF only.
FSBW' s Price/Projected FCF Range Over the Past 10 Years
Min: 1.43  Med: 3.15 Max: 129.07
Current: 7.9
1.43
129.07
Price/Median PS Value 0.91
FSBW's Price/Median PS Value is ranked higher than
62% of the 1572 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. FSBW: 0.91 )
Ranked among companies with meaningful Price/Median PS Value only.
FSBW' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.91  Med: 0.98 Max: 1.83
Current: 0.91
0.91
1.83
Price/Graham Number 0.71
FSBW's Price/Graham Number is ranked higher than
60% of the 1440 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. FSBW: 0.71 )
Ranked among companies with meaningful Price/Graham Number only.
FSBW' s Price/Graham Number Range Over the Past 10 Years
Min: 0.52  Med: 0.66 Max: 0.78
Current: 0.71
0.52
0.78
Earnings Yield (Greenblatt) (%) 346.83
FSBW's Earnings Yield (Greenblatt) (%) is ranked higher than
100% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. FSBW: 346.83 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FSBW' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 6.4  Med: 11.30 Max: 34855.3
Current: 346.83
6.4
34855.3

More Statistics

Revenue (TTM) (Mil) $47.45
EPS (TTM) $ 2.79
Beta0.28
Short Percentage of Float0.06%
52-Week Range $21.55 - 26.49
Shares Outstanding (Mil)3.14
» More Articles for NAS:FSBW

Headlines

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FS BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 31 2016
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