FS Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from FS Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 1/3Sales grew in 3 of the last 3 years; profit grew in 1 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$12Sales grew 25% in 3 years; of every extra $100 of sales, $12 became extra profit.
Lower than 64% of Financial Services companies in United States.
Asset Productivity Ratio
+25% / +21%In 3 years sales changed by +25% while total assets changed by +21%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 76% of Financial Services companies in United States.
Tangible Net Worth Ratio
93%Of every $100 of net worth, $93 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 71% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
FS Bancorp, Inc. owes $0.90 for every $1 it owns. Net profit fell 5% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
10.2Investors pay $10.2 for every $1 of FS Bancorp, Inc.'s yearly profit, lower than 77% of Financial Services companies in United States.
P/B ratio
1.09The share price is 1.09 times FS Bancorp, Inc.'s book value per share, lower than 65% of Financial Services companies in United States.
Market cap
$349 MThe total market value of all of FS Bancorp, Inc.'s shares at today's price (share price × number of shares), smaller than 68% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$319 MWhat FS Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$40.57Net worth divided by the number of shares. The share price of $44.35 is 1.1 times this, which is the P/B above.
Return on equity (ROE)
10.8%FS Bancorp, Inc. earned 10.8% on its shareholders' money over the last year, higher than 51% of Financial Services companies in United States.
Owes vs Owns
0.90×FS Bancorp, Inc. owes $0.90 for every $1 it owns (high), higher than 81% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.62%FS Bancorp, Inc. pays 2.62% of its share price as dividends a year, lower than 54% of dividend-paying Financial Services companies in United States.
Revenue growth
+5%Revenue rose 5% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Profit growth
-5%Net profit fell 5% in the year to Dec 2025, and grew 4% a year on average over 3 years.
Profit margin
22.3%FS Bancorp, Inc. keeps $22 of every $100 of revenue as net profit.
Questions
What is FS Bancorp, Inc.'s P/E ratio?
Investors pay $10.2 for every $1 of FS Bancorp, Inc.'s yearly profit, lower than 77% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For FS Bancorp, Inc.: $349 M ÷ $319 M (30 Jun 2026) = 1.1.
What is FS Bancorp, Inc.'s return on equity?
FS Bancorp, Inc. earned 10.8% on its shareholders' money over the last year, higher than 51% of Financial Services companies in United States.
How much does FS Bancorp, Inc. owe compared with what it owns?
FS Bancorp, Inc. owes $0.90 for every $1 it owns (high), higher than 81% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does FS Bancorp, Inc. pay a dividend?
Yes. FS Bancorp, Inc. pays 2.62% of its share price as dividends a year, lower than 54% of dividend-paying Financial Services companies in United States.
Is FS Bancorp, Inc.'s revenue growing?
Revenue rose 5% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.