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FS BancorpFSBW +1.28%62 OCF Margin % is 137.21% as of Jun. 2026, which is 310% above its 10-year median of 33.48. 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 1,491 Banks companies, FS Bancorp ranks better than 81.02% on this metric.
The historical data trend for FS Bancorp's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FS Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where FS Bancorp's OCF 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 OCF Margin % of 137.21% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on FS Bancorp and its competitors. This is 310% above median its historical median of 33.48. According to the industry distribution chart, FS Bancorp ranks #283 out of 1491 companies in the Banks industry, placing it in the top 19%.
Is FS Bancorp's OCF Margin % too high?
FS Bancorp's current OCF Margin % of 137.21% is 310% above median its 10-year median of 33.48. The Banks industry median OCF Margin % is 30.79. FS Bancorp's value of 137.21% is 345.6% above this industry median. Based on the distribution chart, FS Bancorp ranks #283 out of 1491 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 OCF Margin % compare to BFCC and CSHX?
According to the Banks industry distribution chart, FS Bancorp ranks #283 out of 1491 companies for OCF Margin %. This places FS Bancorp in the top 19% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 30.79. FS Bancorp's value of 137.21% is 345.6% above this benchmark. While the company's 10-year median is 33.48 vs. the industry median of 30.79, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.79, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FS Bancorp's current OCF Margin % of 137.21% is 345.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on FS Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 30.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FS Bancorp's current OCF Margin % is 137.21%, which is 310% above median its own 10-year median of 33.48. 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 OCF Margin % is 137.21%, which is 310% above median its 10-year median of 33.48 and 345.6% above the Banks industry median of 30.79. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For FS Bancorp (FSBW), the current OCF Margin % is 137.21% 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:
OCF Margin %: 137.21% (310% above median its 10-year median of 33.48)
GF Value™: $41.60 vs. price of $43.83 (5.3% above fair value)
Industry Position: 345.6% above the Banks median (#283 of 1491)
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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