FS Bancorp Valuation
| FSBW Stock | USD 36.46 0.30 0.82% |
At this time, the firm appears to be undervalued. FS Bancorp owns a latest Real Value of $42.5 per share. The recent price of the firm is $36.46. Our model computes the value of FS Bancorp from examining the firm fundamentals such as Return On Asset of 0.0117, current valuation of 613.75 M, and Shares Owned By Insiders of 15.76 % as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting FS Bancorp's valuation include:
Undervalued
Today
Please note that FS Bancorp's price fluctuation is very steady at this time. Calculation of the real value of FS Bancorp is based on 3 months time horizon. Increasing FS Bancorp's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the FSBW stock is determined by what a typical buyer is willing to pay for full or partial control of FS Bancorp. Since FS Bancorp is currently traded on the exchange, buyers and sellers on that exchange determine the market value of FSBW Stock. However, FS Bancorp's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 36.46 | Real 42.5 | Target 50.0 | Hype 36.4 |
The intrinsic value of FS Bancorp's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence FS Bancorp's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of FS Bancorp helps investors to forecast how FSBW stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of FS Bancorp more accurately as focusing exclusively on FS Bancorp's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use FS Bancorp's intrinsic value based on its ongoing forecasts of FS Bancorp's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against FS Bancorp's closest peers.
FS Bancorp Cash |
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FSBW Valuation Trend
Analysing the historical paterns of FS Bancorp's enterprise value and its market capitalization is a good way to estimate and gauge the value of FS Bancorp over time and is usually enough for investors to make rational market timing decisions.
FSBW Revenue by Product
FS Bancorp Total Value Analysis
FS Bancorp is currently forecasted to have valuation of 613.75 M with market capitalization of 285.59 M, debt of 150.12 M, and cash on hands of 164.76 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the FS Bancorp fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
613.75 M | 285.59 M | 150.12 M | 164.76 M |
FS Bancorp Investor Information
About 16.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 0.98. Some equities with similar Price to Book (P/B) outperform the market in the long run. FS Bancorp last dividend was issued on the 6th of February 2025. The entity had 2:1 split on the 15th of July 2021. Based on the analysis of FS Bancorp's profitability, liquidity, and operating efficiency, FS Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 1.02 | 0.9709 |
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| Operating Income | 82.4 M | 78.5 M |
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FS Bancorp Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. FS Bancorp has an asset utilization ratio of 4.68 percent. This indicates that the Company is making $0.0468 for each dollar of assets. An increasing asset utilization means that FS Bancorp is more efficient with each dollar of assets it utilizes for everyday operations.FS Bancorp Ownership Allocation
The market capitalization of FS Bancorp is $285.59 Million. The majority of FS Bancorp outstanding shares are owned by institutions. These other corporate entities are usually referred to as non-private investors looking to obtain positions in FS Bancorp to benefit from reduced commissions. Hence, outside corporations are subject to a different set of regulations than regular investors in FS Bancorp. Please pay attention to any change in the institutional holdings of FS Bancorp as this could imply that something significant has changed or is about to change at the company. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company sooner or later.FS Bancorp Profitability Analysis
The company reported the previous year's revenue of 139.02 M. Net Income was 36.05 M with profit before overhead, payroll, taxes, and interest of 139.15 M.FS Bancorp Past Distributions to stockholders
About FS Bancorp Valuation
Our relative valuation model uses a comparative analysis of FS Bancorp. We calculate exposure to FS Bancorp's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of FS Bancorp's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 159.9 M | 167.9 M | |
| Pretax Profit Margin | 0.22 | 0.16 | |
| Operating Profit Margin | 0.97 | 1.02 | |
| Net Profit Margin | 0.19 | 0.12 |
FS Bancorp Quarterly Retained Earnings |
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A single share of FS Bancorp represents a small ownership stake in the entity. As a stockholder of FSBW, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
FS Bancorp Dividends Analysis For Valuation
At this time, FS Bancorp's Dividends Paid is fairly stable compared to the past year. Dividend Yield is likely to climb to 0.03 in 2025, whereas Dividend Paid And Capex Coverage Ratio is likely to drop 0.23 in 2025. . At this time, FS Bancorp's Retained Earnings are fairly stable compared to the past year. Retained Earnings Total Equity is likely to climb to about 244 M in 2025, whereas Earning Assets are likely to drop slightly above 233 M in 2025.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 8.9 M | 9.4 M | |
| Dividend Yield | 0.02 | 0.03 | |
| Dividend Payout Ratio | 0.24 | 0.25 | |
| Dividend Paid And Capex Coverage Ratio | 0.24 | 0.23 |
There are various types of dividends FS Bancorp can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of FSBW shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from FS Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When FSBW pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of FS Bancorp by the value of the dividends paid out.
FS Bancorp Growth Indicators
Investing in growth stocks can be very risky. If the company such as FS Bancorp does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 7.8 M | |
| Quarterly Earnings Growth Y O Y | -0.252 | |
| Forward Price Earnings | 8.9047 |
FS Bancorp Current Valuation Indicators
Valuation refers to the process of determining the present value of FS Bancorp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value FSBW we look at many different elements of the entity such as FSBW's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as FS Bancorp, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use FS Bancorp's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes FS Bancorp's worth.Additional Tools for FSBW Stock Analysis
When running FS Bancorp's price analysis, check to measure FS Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy FS Bancorp is operating at the current time. Most of FS Bancorp's value examination focuses on studying past and present price action to predict the probability of FS Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move FS Bancorp's price. Additionally, you may evaluate how the addition of FS Bancorp to your portfolios can decrease your overall portfolio volatility.