FSBW (FS Bancorp) Margin of Safety % (DCF Dividends Based): 64.67% (As of Sep. 06, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FSBW FS Bancorp Inc FSBW
62 GF Score
Price $43.83
GF Value $41.60
Valuation Fairly Valued
! 6 Warning Signs
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What is FS Bancorp Margin of Safety % (DCF Dividends Based)?

FS Bancorp FSBW +1.28% 62 Margin of Safety % (DCF Dividends Based) is 64.67% as of Sep. 06, 2026. 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.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-09-06), FS Bancorp's Predictability Rank is 4-Stars. FS Bancorp's intrinsic value calculated from the Discounted Dividend model is $76.49 and current share price is $43.825. Consequently,

FS Bancorp's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is 64.67%.

FSBW vs BFCC, CSHX, COSO: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, FS Bancorp's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, FS Bancorp's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where FS Bancorp's Margin of Safety % (DCF Dividends Based) falls into.


FSBW
62GF Score
FS Bancorp Inc FSBW
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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FS Bancorp Margin of Safety % (DCF Dividends Based) Calculation

FS Bancorp's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(124.06-43.825)/124.06
=64.67 %

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of 64.67% mean?
FS Bancorp (FSBW) has a Margin of Safety % (DCF Dividends Based) of 64.67% as of Sep. 06, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on FS Bancorp.
Is FS Bancorp's Margin of Safety % (DCF Dividends Based) too high?
FS Bancorp's current Margin of Safety % (DCF Dividends Based) is 64.67%. 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 Margin of Safety % (DCF Dividends Based) compare to BFCC and CSHX?
FS Bancorp's Margin of Safety % (DCF Dividends Based) of 64.67% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on FS Bancorp. FS Bancorp's current Margin of Safety % (DCF Dividends Based) is 64.67%. 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 Margin of Safety % (DCF Dividends Based) is 64.67%. 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 Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For FS Bancorp (FSBW), the current Margin of Safety % (DCF Dividends Based) is 64.67% as of Sep. 06, 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:

  • Margin of Safety % (DCF Dividends Based): 64.67%
  • GF Value™: $41.60 vs. price of $43.83 (5.3% above fair value)
  • GF Score™: 62/100 with 6 warning signs

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 Business Description

Address 6920 220th Street South West, Mountlake Terrace, WA, USA, 98043
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

Get the complete analysis for FSBW

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.83
Price
$41.60
GF Value