FS Bancorp, Inc.

FS Bancorp, Inc.

FSBWยทNASDAQ

$40.27

-3.0%
Financial ServicesBanks - Regional

FS Bancorp, Inc. operates as a bank holding company for 1st Security Bank of Washington that provides banking and financial services to local families, local and regional businesses, and industry niches. The company operates in two segments, Commercial and Consumer Banking; and Home Lending. It offers various deposit instruments, including checking accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company provides one-to-four-family residential first mortgages, second mortgage/home equity loan products, non-mortgage commercial business loans, commercial real estate loans, and construction and development loans, as well as consumer loans, which primarily include personal lines of credit, credit cards, automobile, direct home improvement, loans on deposit, and recreational loans. As of December 31, 2021, it operated 21 full bank service branches and 10 home loan production offices in suburban communities in the greater Puget Sound area, including Snohomish, King, Pierce, Jefferson, Kitsap, Clallam, Grays Harbor, Thurston, and Lewis counties; and one loan production office in the market area of the Tri-Cities. The company was founded in 1936 and is headquartered in Mountlake Terrace, Washington.

At a Glance

Live Snapshot
Market Cap$298.58M
EPS4.3400
P/E Ratio9.28
Earnings Date07/28/2026
3Y+21.0%
5Y+51.0%
10Y+286.0%
3Y+20.0%
5Y+53.0%
10Y+287.0%
3Y+33.0%
5Y+34.0%
10Y+280.0%
fsbw

FS Bancorp, Inc. Funding & Solvency Profile

FSBW ยท NASDAQ
Cash & Cash Equivalents13.50M
Net Receivables14.61M
Inventory0.00
Other Current Assets0.00
Total Current Assets317 M
Property, Plant & Equipment44.06M
Goodwill & Intangible Assets14.11M
Long-Term Investments2.62B
Other Non-Current Assets191.72M
Total Non-Current Assets3 B
Total Assets
3.20B

Financial Health Analysis

Current Ratio

0.12x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.39x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-2437174000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

10% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

FS Bancorp, Inc. Balance Sheet

FSBW โ€ข NASDAQ

FS Bancorp, Inc. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
13.5M
33.4M
89.9M
46.1M
37M
103.9M
66.7M
54.9M
37M
51.7M
36.9M
20.1M
41.1M
9.4M
19.3M
35.3M
28.5M
5.9M
7.2M
288.7M
167.4M
104.4M
229.3M
271.4M
178M
126.1M
97.2M
82.5M
81.9M
55.2M
48.7M
56.2M
43.3M
26.9M
0.0
0.0
0.0
0.0
302.2M
200.7M
194.2M
275.4M
308.4M
281.9M
192.7M
152.1M
119.5M
133.6M
92.1M
68.8M
97.3M
52.7M
46.2M
35.3M
28.5M
5.9M
7.2M
14.6M
13.9M
14M
11.1M
7.6M
7M
5.9M
5.8M
3.6M
2.5M
2.1M
1.6M
1.3M
1.2M
1M
914K
952K
1.1M
1.1M
14.6M
13.9M
14M
11.1M
7.6M
7M
5.9M
5.8M
3.6M
2.5M
2.1M
1.6M
1.3M
1.2M
1M
914K
952K
1.1M
1.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
26.2K
316.8M
214.6M
208.2M
286.5M
316M
288.9M
198.6M
157.8M
123.1M
136.1M
94.2M
70.4M
98.6M
53.9M
47.2M
36.2M
29.5M
7M
8.3M
NON-CURRENT ASSETS
44.1M
35.1M
37.2M
31.3M
31.1M
32.3M
33.8M
29.1M
15.5M
16M
13.9M
13.6M
13.8M
12.7M
9.9M
9.2M
9.7M
11.3M
9M
3.6M
3.6M
3.6M
2.3M
2.3M
2.3M
2.3M
2.3M
2.3M
2.3M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10.5M
22.9M
34.5M
21.4M
21M
17.3M
17M
16.6M
8.1M
10.2M
5.8M
3.1M
2.1M
1.1M
0.0
0.0
0.0
0.0
0.0
14.1M
26.5M
38.1M
23.7M
23.3M
19.7M
19.3M
19M
10.4M
12.5M
5.8M
3.1M
2.1M
0.0
0.0
0.0
0.0
0.0
0.0
2.6B
2.7B
2.6B
2.2B
1.9B
1.7B
1.4B
1.4B
815M
645.9M
547.5M
413.2M
292.3M
283.8M
217.1M
238.5M
232M
242.4M
233.6M
7M
7.1M
6.7M
6.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
816K
1.9M
0.0
0.0
0.0
0.0
424.6K
191.7M
93.8M
58.2M
65.2M
54.1M
53.5M
55.3M
52M
17.8M
17.5M
16.2M
9.6M
11.6M
6.7M
9.6M
8.5M
10.6M
2.4M
5.2M
2.9B
2.8B
2.8B
2.3B
2B
1.8B
1.5B
1.5B
858.7M
691.8M
583.4M
439.4M
320.6M
305.1M
236.6M
256.2M
252.4M
256.1M
248.1M
3.2B
3B
3B
2.6B
2.3B
2.1B
1.7B
1.6B
981.8M
827.9M
677.6M
509.8M
419.2M
359M
283.8M
292.3M
281.8M
263.1M
256.4M
LIABILITIES
CURRENT LIABILITIES
5.9M
1.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4.2M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.7B
2.3B
2.5B
2.1B
1.9B
1.7B
1.4B
1.3B
829.8M
712.6M
485.2M
420.4M
336.9M
288.9M
246.4M
244M
231M
208.9M
204.8M
2.8B
2.3B
2.5B
2.1B
1.9B
1.7B
1.4B
1.3B
829.8M
712.6M
485.2M
420.4M
336.9M
288.9M
246.4M
244M
231M
208.9M
204.8M
NON-CURRENT LIABILITIES
129.3M
349.4M
53.4M
236M
91.9M
112.5M
94.7M
147M
17.4M
22.5M
108.6M
17M
16.7M
6.8M
8.9M
21.9M
25.9M
19.8M
13.4M
0.0
0.0
0.0
0.0
1.2M
58K
2M
361K
607K
1.2M
1.3M
809K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
39M
125.6M
31M
25.2M
91.4M
18.5M
20M
12M
10.6M
7.2M
5.6M
3.3M
3.3M
1.7M
1.7M
1.6M
2.7M
3.4M
135.2M
394M
185.9M
273.5M
123.1M
209.2M
120.4M
167.4M
29.9M
34.3M
117M
23.5M
20M
10.2M
10.6M
23.6M
27.5M
22.5M
16.8M
5.9M
5.6M
6.8M
6.5M
4.8M
5.2M
5.2M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.9B
2.7B
2.7B
2.4B
2B
1.9B
1.5B
1.4B
859.8M
746.9M
602.2M
443.9M
356.9M
299.1M
257M
267.5M
258.5M
231.4M
221.6M
SHAREHOLDERS' EQUITY
75K
78K
78K
77K
82K
85K
44K
45K
37K
31K
32K
32K
32K
32K
0.0
0.0
0.0
0.0
0.0
43.3M
55.7M
57.4M
55.2M
68M
81.3M
89.3M
91.5M
55.1M
27.3M
30.7M
29.5M
30.1M
29.9M
0.0
0.0
0.0
0.0
0.0
280.2M
257.1M
230.4M
202.1M
179.2M
146.4M
110.7M
90.9M
68.4M
55.6M
46.2M
38.1M
35.2M
31.7M
26.5M
24.9M
23.3M
31.7M
35.8M
-15.8M
-17.1M
-23.3M
-25.6M
252K
2.5M
788K
-1.5M
-475K
-536K
78K
117K
-898K
597K
316K
-111K
11K
6.4K
-1M
0.0
0.0
0.0
0.0
0.0
-291K
-573K
-848K
-1.1M
-1.4M
-1.6M
-1.9M
-2.1M
-2.4M
0.0
0.0
0.0
0.0
0.0
307.7M
295.8M
264.5M
231.7M
247.5M
230M
200.2M
180M
122M
81M
75.3M
65.8M
62.3M
59.9M
26.8M
24.8M
23.3M
31.7M
34.8M
307.7M
295.8M
264.5M
231.7M
247.5M
230M
200.2M
180M
122M
81M
75.3M
65.8M
62.3M
59.9M
26.8M
24.8M
23.3M
31.7M
34.8M
SUMMARY
3.2B
3B
3B
2.6B
2.3B
2.1B
1.7B
1.6B
981.8M
827.9M
677.6M
509.8M
419.2M
359M
283.8M
292.3M
281.8M
263.1M
256.4M
2.9B
2.8B
2.7B
2.4B
2.1B
1.9B
1.5B
1.5B
897.5M
727.7M
602.7M
461.9M
348.5M
327.1M
244M
238.5M
232M
242.4M
233.6M
141.1M
355M
60.3M
242.5M
96.7M
117.7M
100M
147M
17.4M
22.5M
108.6M
17M
16.7M
6.8M
8.9M
21.9M
25.9M
19.8M
13.4M
127.6M
321.6M
-29.6M
196.3M
59.7M
13.9M
33.3M
92.2M
-19.6M
-29.2M
71.7M
-3.1M
-24.4M
-2.6M
-10.4M
-13.4M
-2.6M
13.9M
6.2M
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340
7,596,340

SEC Filings

FSBW - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

June 01, 2026
June 01, 2026
2026
8-K

8-K 2026

N/A

May 27, 2026
May 21, 2026
2026
10-Q/A

10-Q/A 2026 Q1 (Amended)

Q1

May 12, 2026
March 31, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 08, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 04, 2026
May 04, 2026
2026
8-K

8-K 2026

N/A

April 22, 2026
April 21, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 06, 2026
May 21, 2026
2026
10-K

10-K 2025 FY

FY

March 13, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 26, 2026
February 25, 2026
2026
8-K

8-K 2026

N/A

February 03, 2026
February 02, 2026
2026
Showing 1 to 10 of 270 filings