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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 2.30
FSBW's Cash-to-Debt is ranked higher than
53% of the 1482 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.92 vs. FSBW: 2.30 )
Ranked among companies with meaningful Cash-to-Debt only.
FSBW' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.3  Med: 1.28 Max: 2.47
Current: 2.3
0.3
2.47
Equity-to-Asset 0.10
FSBW's Equity-to-Asset is ranked lower than
54% of the 1484 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FSBW: 0.10 )
Ranked among companies with meaningful Equity-to-Asset only.
FSBW' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.12 Max: 0.17
Current: 0.1
0.08
0.17
Interest Coverage 3.87
FSBW's Interest Coverage is ranked higher than
74% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. FSBW: 3.87 )
Ranked among companies with meaningful Interest Coverage only.
FSBW' s Interest Coverage Range Over the Past 10 Years
Min: 0.33  Med: 1.87 Max: 3.87
Current: 3.87
0.33
3.87
Piotroski F-Score: 4
Beneish M-Score: -2.04
WACC vs ROIC
5.58%
14.80%
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 % 28.04
FSBW's Operating Margin % is ranked lower than
57% of the 1497 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.60 vs. FSBW: 28.04 )
Ranked among companies with meaningful Operating Margin % only.
FSBW' s Operating Margin % Range Over the Past 10 Years
Min: -27.94  Med: 12.65 Max: 30.12
Current: 28.04
-27.94
30.12
Net Margin % 18.28
FSBW's Net Margin % is ranked lower than
63% of the 1496 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.84 vs. FSBW: 18.28 )
Ranked among companies with meaningful Net Margin % only.
FSBW' s Net Margin % Range Over the Past 10 Years
Min: -29.4  Med: 11.73 Max: 23.44
Current: 18.28
-29.4
23.44
ROE % 13.56
FSBW's ROE % is ranked higher than
82% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.26 vs. FSBW: 13.56 )
Ranked among companies with meaningful ROE % only.
FSBW' s ROE % Range Over the Past 10 Years
Min: -16.63  Med: 6.54 Max: 13.56
Current: 13.56
-16.63
13.56
ROA % 1.34
FSBW's ROA % is ranked higher than
79% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. FSBW: 1.34 )
Ranked among companies with meaningful ROA % only.
FSBW' s ROA % Range Over the Past 10 Years
Min: -1.68  Med: 0.77 Max: 1.65
Current: 1.34
-1.68
1.65
3-Year Revenue Growth Rate 27.00
FSBW's 3-Year Revenue Growth Rate is ranked higher than
95% of the 1300 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.80 vs. FSBW: 27.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FSBW' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 27
Current: 27
0
27
3-Year EBITDA Growth Rate 38.40
FSBW's 3-Year EBITDA Growth Rate is ranked higher than
96% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.10 vs. FSBW: 38.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FSBW' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 56.7
Current: 38.4
0
56.7
3-Year EPS without NRI Growth Rate 39.60
FSBW's 3-Year EPS without NRI Growth Rate is ranked higher than
76% of the 1174 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. FSBW: 39.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FSBW' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 39.6
Current: 39.6
0
39.6
GuruFocus has detected 3 Warning Signs with FS Bancorp Inc $FSBW.
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» FSBW's 10-Y Financials

Financials (Next Earnings Date: 2017-04-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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FSBW Guru Trades in

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FSBW Guru Trades in Q4 2016

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522120    SIC: 6036
Compare:OTCPK:CABC, NAS:CIZN, OTCPK:FOFND, NAS:FSFG, OTCPK:KTYB, NAS:OVLY, NAS:PBIB, NAS:SAL, NAS:RBPAA, NAS:SBBX, OTCPK:CHBH, NAS:CBAN, NAS:AUBN, OTCPK:EMYB, NAS:BKSC, OTCPK:FNCB, NAS:CBFV, OTCPK:MNAT, NAS:AMRB, NAS:UBFO » 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
PE Ratio 10.20
FSBW's PE Ratio is ranked higher than
70% of the 1638 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.36 vs. FSBW: 10.20 )
Ranked among companies with meaningful PE Ratio only.
FSBW' s PE Ratio Range Over the Past 10 Years
Min: 7.43  Med: 9.99 Max: 15.27
Current: 10.2
7.43
15.27
PE Ratio without NRI 10.20
FSBW's PE Ratio without NRI is ranked higher than
71% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. FSBW: 10.20 )
Ranked among companies with meaningful PE Ratio without NRI only.
FSBW' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.42  Med: 9.99 Max: 15.27
Current: 10.2
7.42
15.27
Price-to-Owner-Earnings 11.70
FSBW's Price-to-Owner-Earnings is ranked higher than
60% of the 860 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.74 vs. FSBW: 11.70 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FSBW' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.53  Med: 7.53 Max: 12.61
Current: 11.7
5.53
12.61
PB Ratio 1.35
FSBW's PB Ratio is ranked lower than
62% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. FSBW: 1.35 )
Ranked among companies with meaningful PB Ratio only.
FSBW' s PB Ratio Range Over the Past 10 Years
Min: 0.58  Med: 0.91 Max: 1.47
Current: 1.35
0.58
1.47
PS Ratio 1.88
FSBW's PS Ratio is ranked higher than
75% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. FSBW: 1.88 )
Ranked among companies with meaningful PS Ratio only.
FSBW' s PS Ratio Range Over the Past 10 Years
Min: 1.5  Med: 1.77 Max: 3.94
Current: 1.88
1.5
3.94
Price-to-Free-Cash-Flow 622.41
FSBW's Price-to-Free-Cash-Flow is ranked lower than
99.99% of the 854 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.08 vs. FSBW: 622.41 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FSBW' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.46  Med: 12.94 Max: 670.69
Current: 622.41
3.46
670.69
Price-to-Operating-Cash-Flow 28.67
FSBW's Price-to-Operating-Cash-Flow is ranked lower than
99.99% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. FSBW: 28.67 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FSBW' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.1  Med: 12.06 Max: 30.9
Current: 28.67
3.1
30.9
EV-to-EBIT 5.06
FSBW's EV-to-EBIT is ranked higher than
71% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.59 vs. FSBW: 5.06 )
Ranked among companies with meaningful EV-to-EBIT only.
FSBW' s EV-to-EBIT Range Over the Past 10 Years
Min: -0.1  Med: 8.4 Max: 15.5
Current: 5.06
-0.1
15.5
EV-to-EBITDA 3.82
FSBW's EV-to-EBITDA is ranked higher than
75% of the 1219 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.36 vs. FSBW: 3.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
FSBW' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.1  Med: 6.45 Max: 11
Current: 3.82
-0.1
11

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.11
FSBW's Dividend Yield % is ranked lower than
87% of the 2308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.66 vs. FSBW: 1.11 )
Ranked among companies with meaningful Dividend Yield % only.
FSBW' s Dividend Yield % Range Over the Past 10 Years
Min: 0.28  Med: 1.12 Max: 1.33
Current: 1.11
0.28
1.33
Dividend Payout Ratio 0.11
FSBW's Dividend Payout Ratio is ranked higher than
94% of the 1308 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. FSBW: 0.11 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FSBW' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.09  Med: 0.11 Max: 0.15
Current: 0.11
0.09
0.15
3-Year Dividend Growth Rate 35.10
FSBW's 3-Year Dividend Growth Rate is ranked lower than
99.99% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. FSBW: 35.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FSBW' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 35.1
Current: 35.1
0
35.1
Forward Dividend Yield % 1.11
FSBW's Forward Dividend Yield % is ranked lower than
88% of the 2276 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.87 vs. FSBW: 1.11 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.11
FSBW's 5-Year Yield-on-Cost % is ranked lower than
88% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. FSBW: 1.11 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FSBW' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.28  Med: 1.12 Max: 1.33
Current: 1.11
0.28
1.33
3-Year Average Share Buyback Ratio 1.90
FSBW's 3-Year Average Share Buyback Ratio is ranked lower than
99.99% of the 997 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 vs. FSBW: 1.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FSBW' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 1.9  Med: 0 Max: 0
Current: 1.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.61
FSBW's Price-to-Tangible-Book is ranked lower than
67% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. FSBW: 1.61 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FSBW' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.7  Med: 0.94 Max: 1.65
Current: 1.61
0.7
1.65
Price-to-Intrinsic-Value-Projected-FCF 2.24
FSBW's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
100% of the 895 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. FSBW: 2.24 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FSBW' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 1.91  Med: 2.07 Max: 2.29
Current: 2.24
1.91
2.29
Price-to-Median-PS-Value 1.06
FSBW's Price-to-Median-PS-Value is ranked higher than
54% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. FSBW: 1.06 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FSBW' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.96  Med: 1.03 Max: 1.26
Current: 1.06
0.96
1.26
Price-to-Graham-Number 0.85
FSBW's Price-to-Graham-Number is ranked higher than
54% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. FSBW: 0.85 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FSBW' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.48  Med: 0.71 Max: 0.87
Current: 0.85
0.48
0.87
Earnings Yield (Greenblatt) % 19.76
FSBW's Earnings Yield (Greenblatt) % is ranked higher than
78% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.77 vs. FSBW: 19.76 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FSBW' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 6.4  Med: 11.9 Max: 34855.3
Current: 19.76
6.4
34855.3

More Statistics

Revenue (TTM) (Mil) $57.43
EPS (TTM) $ 3.54
Beta0.53
Short Percentage of Float0.08%
52-Week Range $24.32 - 39.70
Shares Outstanding (Mil)3.07
» More Articles for FSBW

Headlines

Articles On GuruFocus.com
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More From Other Websites
FS BANCORP, INC. Financials Mar 22 2017
FS BANCORP, INC. Files SEC form 10-K, Annual Report Mar 16 2017
FS Bancorp, Inc. :FSBW-US: Earnings Analysis: Q4, 2016 By the Numbers : February 1, 2017 Feb 01 2017
FS Bancorp, Inc. :FSBW-US: Earnings Analysis: 2016 By the Numbers : January 31, 2017 Jan 31 2017
FS BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 27 2017
FS Bancorp posts 4Q profit Jan 26 2017
FS Bancorp posts 4Q profit Jan 26 2017
FS Bancorp, Inc. Reports Record 2016 Results Including $10.5 Million of Net Income or $3.51 Per... Jan 26 2017
FS Bancorp, Inc. : FSBW-US: Dividend Analysis : November 10th, 2016 (record date) : By the numbers :... Jan 09 2017
ETF’s with exposure to FS Bancorp, Inc. : November 3, 2016 Nov 03 2016
FS Bancorp, Inc. :FSBW-US: Earnings Analysis: Q3, 2016 By the Numbers : October 31, 2016 Oct 31 2016
FS BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 27 2016
FS Bancorp, Inc. : FSBW-US: Dividend Analysis : August 11th, 2016 (record date) : By the numbers :... Oct 17 2016
FS BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Sep 19 2016
FS BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Sep 07 2016
FS Bancorp, Inc. :FSBW-US: Earnings Analysis: Q2, 2016 By the Numbers : August 4, 2016 Aug 04 2016
FS BANCORP, INC. Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 28 2016
FS BANCORP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 31 2016
FS BANCORP, INC. Files SEC form 10-Q, Quarterly Report May 12 2016
FS BANCORP, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits May 09 2016

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