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FS BancorpFSBW +1.28%62 5-Year Yield-on-Cost % is 7.20 as of Sep. 06, 2026, which is 47% above its 10-year median of 4.89. 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 1,246 Banks companies, FS Bancorp ranks better than 79.45% on this metric.
FS Bancorp's yield on cost for the quarter that ended in Jun. 2026 was 7.20.
The historical rank and industry rank for FS Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
FSBW'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.92 Med: 4.89 Max: 9.09
Current: 7.2
During the past 13 years, FS Bancorp's highest Yield on Cost was 9.09. The lowest was 1.92. And the median was 4.89.
FSBW's 5-Year Yield-on-Cost % is ranked better than 79.45% of 1246
companies
in the Banks industry
Industry Median: 3.78
vs FSBW: 7.20
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
FS Bancorp 5-Year Yield-on-Cost % Related Terms
FSBW vs BFCC, CSHX, COSO: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, FS Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, FS Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where FS Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of FS Bancorp is calculated as
FS Bancorp (FSBW) has a 5-Year Yield-on-Cost % of 7.20 as of Sep. 06, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on FS Bancorp and its competitors. This is 47% above median its historical median of 4.89. Over the past decade, FS Bancorp's 5-Year Yield-on-Cost % has ranged from 1.92 to 9.09. According to the industry distribution chart, FS Bancorp ranks #256 out of 1246 companies in the Banks industry, placing it in the top 20.5%.
Is FS Bancorp's 5-Year Yield-on-Cost % too high?
FS Bancorp's current 5-Year Yield-on-Cost % of 7.20 is 47% above median its 10-year median of 4.89. Over the past 10 years, this metric has ranged from a low of 1.92 to a high of 9.09. The Banks industry median 5-Year Yield-on-Cost % is 3.78. FS Bancorp's value of 7.20 is 90.5% above this industry median. Based on the distribution chart, FS Bancorp ranks #256 out of 1246 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 5-Year Yield-on-Cost % compare to BFCC and CSHX?
According to the Banks industry distribution chart, FS Bancorp ranks #256 out of 1246 companies for 5-Year Yield-on-Cost %. This places FS Bancorp in the top 21% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.78. FS Bancorp's value of 7.20 is 90.5% above this benchmark. Historically, FS Bancorp's own 5-Year Yield-on-Cost % has ranged from 1.92 to 9.09 over the past decade. While the company's 10-year median is 4.89 vs. the industry median of 3.78, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.78, based on 1,246 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FS Bancorp's current 5-Year Yield-on-Cost % of 7.20 is 90.5% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on FS Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FS Bancorp's current 5-Year Yield-on-Cost % is 7.20, which is 47% above median its own 10-year median of 4.89. 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 5-Year Yield-on-Cost % is 7.20, which is 47% above median its 10-year median of 4.89 and 90.5% above the Banks industry median of 3.78. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For FS Bancorp (FSBW), the current 5-Year Yield-on-Cost % is 7.20 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:
5-Year Yield-on-Cost %: 7.20 (47% above median its 10-year median of 4.89)
GF Value™: $41.60 vs. price of $43.83 (5.3% above fair value)
Industry Position: 90.5% above the Banks median (#256 of 1246)
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
Get the complete analysis for FSBW
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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