Switch to:

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 0.52
FSBW's Cash to Debt is ranked higher than
67% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FSBW: 0.52 )
FSBW' s 10-Year Cash to Debt Range
Min: 0.3   Max: No Debt
Current: 0.52

Equity to Asset 0.14
FSBW's Equity to Asset is ranked higher than
90% of the 1742 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 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 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: 4
Z-Score: 0.33
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 (%) 18.46
FSBW's Operating margin (%) is ranked higher than
61% of the 1762 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.47 vs. FSBW: 18.46 )
FSBW' s 10-Year Operating margin (%) Range
Min: -27.94   Max: 20.86
Current: 18.46

-27.94
20.86
Net-margin (%) 12.24
FSBW's Net-margin (%) is ranked higher than
59% of the 1769 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.29 vs. FSBW: 12.24 )
FSBW' s 10-Year Net-margin (%) Range
Min: -29.4   Max: 23.44
Current: 12.24

-29.4
23.44
ROE (%) 5.55
FSBW's ROE (%) is ranked higher than
64% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.43 vs. FSBW: 5.55 )
FSBW' s 10-Year ROE (%) Range
Min: -16.63   Max: 12.22
Current: 5.55

-16.63
12.22
ROA (%) 0.84
FSBW's ROA (%) is ranked higher than
76% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. FSBW: 0.84 )
FSBW' s 10-Year ROA (%) Range
Min: -1.68   Max: 1.65
Current: 0.84

-1.68
1.65
ROC (Joel Greenblatt) (%) 38.05
FSBW's ROC (Joel Greenblatt) (%) is ranked higher than
64% of the 1745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.56 vs. FSBW: 38.05 )
FSBW' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -68.27   Max: 44.85
Current: 38.05

-68.27
44.85
» FSBW's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with FSBW

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 15.00
FSBW's P/E(ttm) is ranked higher than
70% of the 1588 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. FSBW: 15.00 )
FSBW' s 10-Year P/E(ttm) Range
Min: 7.43   Max: 15.19
Current: 15

7.43
15.19
P/B 0.89
FSBW's P/B is ranked higher than
83% of the 1698 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. FSBW: 0.89 )
FSBW' s 10-Year P/B Range
Min: 0.58   Max: 0.95
Current: 0.89

0.58
0.95
P/S 1.84
FSBW's P/S is ranked higher than
87% of the 1715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.89 vs. FSBW: 1.84 )
FSBW' s 10-Year P/S Range
Min: 1.72   Max: 3.94
Current: 1.84

1.72
3.94
PFCF 24.94
FSBW's PFCF is ranked lower than
52% of the 985 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.72 vs. FSBW: 24.94 )
FSBW' s 10-Year PFCF Range
Min: 3.6   Max: 25.23
Current: 24.94

3.6
25.23
EV-to-EBIT 7.36
FSBW's EV-to-EBIT is ranked higher than
91% of the 1465 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. FSBW: 7.36 )
FSBW' s 10-Year EV-to-EBIT Range
Min: 4.5   Max: 15.5
Current: 7.36

4.5
15.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.30
FSBW's Dividend Yield is ranked lower than
75% of the 1489 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.37 vs. FSBW: 1.30 )
FSBW' s 10-Year Dividend Yield Range
Min: 0.28   Max: 1.24
Current: 1.3

0.28
1.24
Dividend Payout 0.18
FSBW's Dividend Payout is ranked higher than
82% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.31 vs. FSBW: 0.18 )
FSBW' s 10-Year Dividend Payout Range
Min: 0.14   Max: 0.28
Current: 0.18

0.14
0.28
Yield on cost (5-Year) 1.30
FSBW's Yield on cost (5-Year) is ranked lower than
73% of the 1501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FSBW: 1.30 )
FSBW' s 10-Year Yield on cost (5-Year) Range
Min: 0.28   Max: 1.24
Current: 1.3

0.28
1.24

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.89
FSBW's Price/Tangible Book is ranked higher than
84% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. FSBW: 0.89 )
FSBW' s 10-Year Price/Tangible Book Range
Min: 0.59   Max: 0.95
Current: 0.89

0.59
0.95
Price/Median PS Value 1.00
FSBW's Price/Median PS Value is ranked higher than
83% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. FSBW: 1.00 )
FSBW' s 10-Year Price/Median PS Value Range
Min: 0.94   Max: 1.75
Current: 1

0.94
1.75
Price/Graham Number 0.80
FSBW's Price/Graham Number is ranked higher than
78% of the 1463 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. FSBW: 0.80 )
FSBW' s 10-Year Price/Graham Number Range
Min: 0.45   Max: 0.81
Current: 0.8

0.45
0.81
Earnings Yield (Greenblatt) 13.60
FSBW's Earnings Yield (Greenblatt) is ranked higher than
91% of the 1609 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. FSBW: 13.60 )
FSBW' s 10-Year Earnings Yield (Greenblatt) Range
Min: 6.4   Max: 22.1
Current: 13.6

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. The Bank is a relationship-driven community bank delivers banking and financial services to local families, local and regional businesses and industry niches within distinct Puget Sound area communities. It emphasizes long-term relationships with families and businesses within the communities it serves, working with them to meet their financial needs. The bank is also actively involved in community activities and events within these market areas, which further strengthens its relationships within these markets. The Bank focuses on the origination of home improvement loans, commercial real estate mortgage loans, commercial business loans and second mortgage/home equity loan products. Consumer loans, in particular indirect home improvement loans, represent the largest portion of the loan portfolio. It conducts operations out of the main administrative office, one home lending office and six full-service bank branch offices in the Puget Sound region of Washington. The primary market area for business operations is the Seattle-Tacoma-Bellevue, WA Metropolitan Statistical Area. It offers commercial real estate loans. The Bank's loans secured by commercial real estate are originated with a fixed or variable interest rate for up to a 10-year term and a 25-year amortization. The Bank has been active in second mortgage and home equity lending, with the focus of this lending being conducted in the Bank's primary market area. The home equity lines of credit generally have adjustable rates tied to the prime rate of interest with a draw term of ten years and a term to maturity of 15 years. The Bank originates loans secured by first mortgages on one-to-four-family residences primarily in the market area. It originates one-to-four-family residential mortgage loans through referrals from real estate agents, builders and from existing customers. Consumer lending includes indirect lending through home improvement contractors and dealers. The Bank's indirect home improvement loans represent the largest portion of the loan portfolio. It originates commercial business loans and lines of credit to local small- and mid-sized businesses in the Puget Sound market area that are secured by accounts receivable, inventory or property, plant and equipment. The Bank originates both fixed-rate and adjustable-rate loans. Deposits, borrowings and loan repayments are the major sources of funds for lending and other investment purposes. The Bank faces strong competition in attracting deposits. Competition in originating real estate loans comes primarily from other savings institutions, commercial banks, credit unions, life insurance companies and mortgage bankers. Other savings institutions, commercial banks, credit unions and finance companies provide vigorous competition in consumer lending, including indirect lending. Commercial
» More Articles for FSBW

Headlines

Articles On GuruFocus.com
No related article found.

More From Other Websites
Nasdaq stocks posting largest volume increases Sep 23 2014
FS BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Aug 29 2014
FS BANCORP, INC. Financials Aug 19 2014
FS BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jul 28 2014
FS Bancorp, Inc. Reports Net Income for the Second Quarter of $986,000 or $0.33 Per Diluted Share... Jul 28 2014
FS Bancorp Inc Stock Upgraded (FSBW) Jul 11 2014
FS Bancorp: A Big Bank In A Small Package Jun 18 2014
FS BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 27 2014
FS BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 13 2014
FS BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 12 2014
FS BANCORP, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits May 09 2014
FS Bancorp announces stock repurchase plan May 09 2014
FS BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 29 2014
FS BANCORP, INC. Files SEC form 10-K, Annual Report Mar 28 2014
FS BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Feb 05 2014
FS BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 30 2014
FS Bancorp - Misunderstood Gem, An Upside Catalyst In 3 Trading Days Jan 29 2014
FS BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 29 2013
FS BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Sep 20 2013
FS BANCORP, INC. Files SEC form 8-K, Other Events Sep 09 2013

Personalized Checklist








Within your circle of competence?
Macro economic environment favorable?
High quality business?
Enough margin of safety with stocks?
Gurus are buying?
Insiders are buying?
Management capable and shareholder friendly?
Catalyst for stock price to appreciate?
Your level of confidence with the research?

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK