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FS BancorpFSBW +1.28%62 FCF Margin % is 135.69% as of Jun. 2026, which is 350% above its 10-year median of 30.15. GuruFocus rates FSBW with a GF Score™ of 62/100 and a GF Value™ of $41.60 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,495 Banks companies, FS Bancorp ranks better than 79.2% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. FS Bancorp's Free Cash Flow for the
three
months ended in Jun. 2026 was $51.4 Mil. FS Bancorp's Revenue for the
three
months ended in Jun. 2026 was $37.9 Mil. Therefore, FS Bancorp's FCF Margin % for the quarter that ended in Jun. 2026 was 135.69%.
The historical data trend for FS Bancorp's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, FS Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
FS Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FS Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where FS Bancorp's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FS Bancorp (FSBW) has a FCF Margin % of 135.69% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FS Bancorp and its competitors. This is 350% above median its historical median of 30.15. According to the industry distribution chart, FS Bancorp ranks #311 out of 1495 companies in the Banks industry, placing it in the top 20.8%.
Is FS Bancorp's FCF Margin % too high?
FS Bancorp's current FCF Margin % of 135.69% is 350% above median its 10-year median of 30.15. The Banks industry median FCF Margin % is 27.35. FS Bancorp's value of 135.69% is 396.1% above this industry median. Based on the distribution chart, FS Bancorp ranks #311 out of 1495 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, FS Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FS Bancorp's FCF Margin % compare to BFCC and CSHX?
According to the Banks industry distribution chart, FS Bancorp ranks #311 out of 1495 companies for FCF Margin %. This places FS Bancorp in the top 21% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 27.35. FS Bancorp's value of 135.69% is 396.1% above this benchmark. While the company's 10-year median is 30.15 vs. the industry median of 27.35, FS Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.35, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FS Bancorp's current FCF Margin % of 135.69% is 396.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on FS Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 27.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FS Bancorp's current FCF Margin % is 135.69%, which is 350% above median its own 10-year median of 30.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FS Bancorp stock overvalued right now?
Based on GuruFocus' analysis, FS Bancorp (FSBW) is currently considered Fairly Valued. The stock's GF Value™ is $41.60, compared to a current price of $43.83 — trading 5.3% above its estimated fair value. The current FCF Margin % is 135.69%, which is 350% above median its 10-year median of 30.15 and 396.1% above the Banks industry median of 27.35. FS Bancorp's overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For FS Bancorp (FSBW), the current FCF Margin % is 135.69% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is FS Bancorp (FSBW) Overvalued in 2026?
Based on GuruFocus' analysis, FS Bancorp stock appears to be overvalued.
The current stock price of $43.83 is trading 5.3% above its estimated GF Value™ of $41.60.
GuruFocus considers FS Bancorp to be Fairly Valued.
Key valuation signals for FSBW:
FCF Margin %: 135.69% (350% above median its 10-year median of 30.15)
GF Value™: $41.60 vs. price of $43.83 (5.3% above fair value)
Industry Position: 396.1% above the Banks median (#311 of 1495)
No single metric tells the full story. See the FSBW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FS Bancorp Inc is the holding company of First Security Bank, a diversified lender with a focus on the origination of commercial real estate, one-to-four-family, and home equity loans, consumer loans, including a variety of indirect home improvement (fixture secured loans), and marine loans, and commercial business loans. The company has two operating segments; The commercial and consumer banking segment provides diversified financial products and services to its commercial and consumer customers through Bank branches, automated teller machines, online banking platforms, mobile banking apps, and telephone banking; and The home lending segment originates one-to-four-family residential mortgage loans for sale in the secondary markets as well as loans held for investment.
62GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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