FS Bancorp, Inc. (FSBW) Stock Score, Valuation & Financial Research
FS Bancorp, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 63/100.
Quick answer for FSBW
FS Bancorp, Inc. currently has a Wall Street Score of 63/100. The stored market price is $43.3. Its financial score is 48/100. Its valuation score is 100/100. The latest WSS change is +2.1 points. These figures are a research snapshot, not a buy or sell recommendation.
What FS Bancorp, Inc. does
FS Bancorp, Inc. functions as the holding company for 1st Security Bank of Washington, delivering a comprehensive suite of banking and financial services. These offerings cater to families, local and regional businesses, and specialized industry sectors. The company operates through two main divisions: Commercial and Consumer Banking, and Home Lending. Its deposit portfolio includes checking, money market, and savings accounts, alongside certificates of deposit. For lending, FS Bancorp provides diverse options such as first and second mortgages for one-to-four-family residences, home equity loans, non-mortgage commercial business loans, commercial real estate and construction/development financing, and a variety of consumer loans including personal lines of credit, credit cards, auto, direct home improvement, deposit-secured, and recreational vehicle loans. As of December 31, 2021, the c
FSBW financial snapshot
- Wall Street Score:
- 63/100
- Current price:
- $43.3
- Market capitalization:
- $321.0M
- Revenue:
- $178.7M
- Net income:
- $33.4M
- Free cash flow:
- $51.9M
- Cash:
- $12.8M
- Total debt:
- $380.9M
- EPS:
- 4.44
- P/E ratio:
- 9.8x
- Financial score:
- 48/100
- Valuation score:
- 100/100
- Revenue score:
- 30/100
What stands out
- Reported year-over-year revenue growth is -0.2%.
- Free cash flow is $51.9M, showing positive cash generation.
- The balance sheet shows $12.8M of cash versus $380.9M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +2.1 points: FSBW increased 2.1 points because Valuation improved by 17.5 points.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 48/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-04.
How to research FSBW
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.