Stocktoria
FS Bancorp, Inc. FSBW
FS Bancorp, Inc. (FSBW) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 3.20% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| FSBW | FS Bancorp, Inc. | 4/9 | — | 9.6 | — |
| BBT | Beacon Financial Corp | 5/9 | — | 29.2 | -92.5% |
| PBFS | Pioneer Bancorp, Inc./MD | 4/9 | — | 20.8 | +5.8% |
| RBKB | Rhinebeck Bancorp, Inc. | 4/9 | — | 19.3 | — |
| ECBK | ECB Bancorp, Inc. /MD/ | 5/9 | — | 22.1 | — |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
All Finance, Insurance & Real Estate companies →
About FS Bancorp, Inc.
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 in Washington. 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 loans, home equity loan products, commercial business loans, commercial real estate loans, and construction and development loans, as well as consumer loans, which include personal lines of credit, credit cards, automobile, direct home improvement, loans on deposit, and recreational loans. Further, it provides online banking platforms, mobile banking apps, and telephone banking services, as well as cash management services. The company operates full bank service branches and home loan production offices in suburban communities in the greater Puget Sound area, including Snohomish, King, Pierce, Kitsap, Clallam, Jefferson, Grays Harbor, Thurston, and Benton counties; Oregon; and a loan production office in the market area of the Tri-Cities. The company was founded in 1936 and is headquartered in Mountlake Terrace, Washington.
FAQ
Is FSBW financially healthy?
FS Bancorp, Inc.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does FSBW pay a dividend, and is it safe?
Yes. FS Bancorp, Inc. pays a dividend yielding about 3.20% with a 30.8% payout ratio, rated “safe” for safety.
How profitable is FSBW?
In FY2025, FS Bancorp, Inc. had a return on equity of 10.8%.
Is FSBW overvalued or undervalued?
FS Bancorp, Inc. trades at about 10.2× trailing earnings — near its 10-year norm (10-year range 6.0×–13.4×, median 9.7×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for FSBW?
The average Wall-Street price target for FS Bancorp, Inc. is $46.00, about 5.0% above the recent price, from 2 analysts (consensus: buy).
Is FSBW a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on FS Bancorp, Inc.: a Piotroski F-score of 4/9, a P/E of about 9.6×, a dividend yield of 3.20%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.