FS Bancorp stock
FSBWNASDAQFS Bancorp, Inc., Financial ServicesISIN US30263Y1047
57Score 57 out of 100, Neutral
Price and trend
56 / 100
Price history
+7.9% in one yearThe chart shows daily closes over 14 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 2.6% above it.
Since June 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 41).
The price is 4.6% below its 52-week high. Largest decline in 14 years: 55% (July 2018 to March 2020).
Chart figures for advanced users
- SMA 50$44.00
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$42.10
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)41
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$37.04
- The lowest closing price of the last twelve months.
- Resistance$45.27
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- FS Bancorp, Inc. belongs to the Banks (Regional) industry (United States) and, with a market value of $339.95M, is number 412 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $150.67M (up 6.1% year on year) and earnings of $33.35M (down 4.8%).
- For fiscal 2026, analysts expect on average revenue of $160.65M (up 6.6%) and adjusted earnings per share of $3.94 (down 7.9%).
Show more
- MEQIRI Score 57 out of 100 (Neutral): rank 776 of 976 in Financial Services, median 68.
- The P/E is 11.4 (Banks (Regional) median 12.2, own median of recent years 9).
- Our model puts fair value at $61.06, with the price 29% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Share buybacksShare count down 12% since 2020.
- Reliable dividendNo dividend cut for 13 years.
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 77
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are valuation and fundamentals, while capital allocation and growth hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- calm price action
- price near its 52-week high
- low growth grade (crashed less often in the backtest)
Valuation
Valuation signal
Possible value trapClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $50.89 and expensive above $76.33 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $75.75 (excess return model) and $46.37 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $54.75, at 7.8% it would be $70.53.
Possible value trap: looks cheap, but weak growth.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 15% on the twelve months before. Revenue has grown strongly since 2006, at around 13% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 30%, net 22%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 20 Jan 2027in 69 days
- Last reported
- 21 Oct 2026EPS reported $0.63 (expected $1.11)below expectations
Analyst estimates
Analysts have cut their 2026 earnings estimate by 9.1% since 15 Oct 2026. Falling estimates often precede bad news.
- Earnings per share
- $3.94−9.1%
- Revenue
- $160.65M+0.7%
- Earnings per share
- $4.47−4.3%
- Revenue
- $175.15M+1.6%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 5 insiders sold, $434,745 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at FS Bancorp
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 57
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- Chain Bridge BancorpCBNA $343.51M81
- Isabella BankISBA $343.17M61
- BayComBCML $341.25M47
- NewtekOneNEWT $339.69M66
- MVB FinancialMVBF $331.46M48
- Bank of GreeceTELL.AT $329.34M43
- John Marshall BancorpJMSB $326.41M63
- Franklin Financial ServicesFRAF $314.53M77
ETFs that hold FS Bancorp
Held by 3 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.01% | 0.39% | €1.47B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.01% | 0.30% | €2.17B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.01% | 0.30% | €4.22B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 11 Jul 2025)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.