Fundamentals Overview
FS Bancorp, Inc. is in the middle of its 52-week range with low valuation, trading relatively flat today.
Valuation low
Intrinsic value (DCF)
+50.2% upside vs price
Profitability
Risk (Beta)
0.67 — lower vol
Earnings & growth
BullzEye Analysis
Our composite tilts Hold on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
DCF +50.2% upside vs price · Analyst grade: A
Pressures (Sell):
Sentiment weakening (4 downgrades)
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: A. Recent institutional grades: majority downgrades. Current institutional positions: Market Perform: 4, Neutral: 5, Outperform: 15.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $60.22; current price is $40.09. That’s a +50.2% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 9.2 |
| DCF value (model) | $60.22 (50.2% upside) |
| PEG (TTM) | N/A |
| P/B (TTM) | 0.98 |
| P/S (TTM) | 1.38 |
| P/FCF (TTM) | 5.79 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 0.12 |
| Quick Ratio (TTM) | 0.12 |
| Cash Ratio (TTM) | 0 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 15.33% |
| Gross margin (TTM) | 66.55% |
| Operating margin (TTM) | 20.57% |
| Debt to equity (TTM) | N/A |
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for FSBW.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| DA Davidson | maintain | Neutral | Neutral | 2026-02-27 |
| DA Davidson | maintain | Neutral | Neutral | 2026-01-26 |
| DA Davidson | maintain | Neutral | Neutral | 2025-07-24 |
| DA Davidson | maintain | Neutral | Neutral | 2024-07-25 |
| Raymond James | downgrade | Outperform | Market Perform | 2022-07-07 |
| Raymond James | downgrade | Outperform | Market Perform | 2022-07-06 |
| Raymond James | maintain | Outperform | Outperform | 2021-06-11 |
| Raymond James | maintain | Outperform | Outperform | 2021-06-10 |
| Raymond James | maintain | Outperform | Outperform | 2021-04-27 |
| Raymond James | maintain | Outperform | Outperform | 2021-04-26 |
| Raymond James | maintain | Outperform | Outperform | 2021-02-26 |
| Raymond James | maintain | Outperform | Outperform | 2021-02-25 |
| Raymond James | maintain | Outperform | Outperform | 2021-02-01 |
| Raymond James | maintain | Outperform | Outperform | 2021-01-31 |
| Raymond James | maintain | Outperform | Outperform | 2020-10-27 |
| Raymond James | maintain | Outperform | Outperform | 2020-10-26 |
| Raymond James | upgrade | Market Perform | Outperform | 2020-06-17 |
| Raymond James | upgrade | Market Perform | Outperform | 2020-06-16 |
| Raymond James | downgrade | Outperform | Market Perform | 2020-01-07 |
| Raymond James | downgrade | Outperform | Market Perform | 2020-01-06 |
| Raymond James | maintain | Outperform | Outperform | 2018-11-15 |
| Raymond James | maintain | Outperform | Outperform | 2018-11-14 |
| DA Davidson | maintain | Neutral | Neutral | 2017-09-13 |
| Raymond James | maintain | Outperform | Outperform | 2017-04-19 |