FS Bancorp, Inc.
FSBWFinancial ServicesNASDAQBanks - Regional · Last scanned Jul 18, 2026
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Daily timeframePart of the financial services sector, FS Bancorp, Inc. (FSBW) is listed under Banks - Regional. Valued at $326.9M, FSBW is a small-cap name in its sector. The company operates in two segments, Commercial and Consumer Banking; and Home Lending.
Market Cap
$326.9M
Beta
0.65
P/E (TTM)
10.24
P/E (Fwd)
8.58
EPS (TTM)
$4.30
EPS (Fwd)
$5.13
ROE
10.8%
ROA
1.1%
Cash
$42.5M
Total Debt
$222.8M
Free CF
—
52W Change
7.5%
Annual Financials
Cash vs Debt
The company holds $42.5M in cash, though total debt stands at $222.8M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 10.8% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.1% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $119.7M (2022) to $149.8M (2025), reflecting a 25% increase over the period.
FSBW's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. FS Bancorp, Inc. carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for FS Bancorp, Inc. and its sector.