Learn more about whether FS Bancorp, Inc. is a good stock to buy or sell based on recent news as well as its key financial metrics. Read on to find out how (FSBW) grades on certain investment factors and determine whether it meets your investment needs.

Latest FS Bancorp, Inc. Stock News

As of September 01, 2026, FS Bancorp, Inc. had a $311.0 million market capitalization, putting it in the 32nd percentile of companies in the Banks industry.

Currently, FS Bancorp, Inc.’s price-earnings ratio is 9.7. FS Bancorp, Inc.’s trailing 12-month revenue is $144.9 million with a 23.0% profit margin. Year-over-year quarterly sales growth most recently was 2.5%. Analysts expect adjusted earnings to reach $4.340 per share for the current fiscal year. FS Bancorp, Inc. currently has a 2.7% dividend yield.

The outlook for Diversified Banks is relatively positive as the commercial loan activity and credit risk gradually improves in 2021 and on into 2022. The most established banks were able to weather the worst of the COVID-19 pandemic and look to grow in the wake of recovery. One sign of this includes loan loss reversals potentially having a positive impact on future earnings. As the Federal Reserve plans to keep rates near zero well into 2022, banks will see less net interest income (NII). NII accounts for about 50-60% of revenue for these banks. The wider spread between the cost of borrowing and lending or loan volume activity may partly offset these lower rates. Looking ahead, banks are facing significantly less uncertainty which should help them be more profitable, embrace for upcoming NII trends, and help them generate non-NII fee income. Despite low rates, mortgage origination and automobile loans factor to be major drivers of consumer loan growth. Commercial loans are expected to grow by 1-3% in the second quarter of 2021 alone. Another driver is credit card activity, which has already begun to rise due to the lifting of COVID-19 travel restrictions. Return of capital is accelerating in the second half of 2021 following the Fed’s Dodd Frank Stress Test (DFAST) results. As expected, all 23 large banks tested remained well above their risk-based minimum capital requirements and other restrictions put in place during Covid-19. All large banks are subject to the normal restrictions of the Fed’s stress capital buffer (SCB) framework, which sets the return of capital guidelines. The largest banks, like JPM, are well above the SCB, so we have seen material increases in dividends and share repurchases.

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Grading FS Bancorp, Inc. Stock

Before you choose to buy, sell or hold FS Bancorp, Inc. stock, you’ll want to analyze how it has been graded. Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, making sense of financial ratios, reading income statements and analyzing recent stock movement. To help individual investors decide whether or not to buy (FSBW) stock, AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way that is suitable for investors of all knowledge levels.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings revisions and quality. Here, we’ll take a closer look at FS Bancorp, Inc.’s stock grades for value, growth and quality. Learn more about A+ Investor here!

FS Bancorp, Inc. Stock Value Grade

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade is derived from a stock’s value score. The value score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

FS Bancorp, Inc. has a Value Score of 94, which is Deep Value.

FS Bancorp, Inc. Stock Growth Grade

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the Growth Score and assign it a letter grade, the percentile ranks for each of the three individual components‐consistency of annual sales growth, five‐year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered Very Weak, while those in the top 20% receive A grades, which are considered Very Strong.

FS Bancorp, Inc. has a Growth Score of 73, which is Strong.

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FS Bancorp, Inc. Stock Quality Grade

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Grade is the percentile rank of the average of the percentile ranks of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

FS Bancorp, Inc. has a Quality Score of 33, which is Weak.

FS Bancorp, Inc. Stock Momentum Grade

Momentum grades help uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

FS Bancorp, Inc. has a Momentum Score of 46, which is Average.

FS Bancorp, Inc. Stock Earnings Estimate Revisions Grade

The Earnings Estimate Revisions Score considers the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. The Earnings Estimate Revisions Score is based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

FS Bancorp, Inc. has an Earnings Estimate Revisions Score of 24, which is Negative.

Should I Buy FS Bancorp, Inc. Stock?

Overall, FS Bancorp, Inc. stock has a Value Grade of A, Growth Grade of B, Quality Grade of D, Momentum Grade of C, and Earnings Estimate Revisions Grade of D.

Whether or not you should buy FS Bancorp, Inc. stock will ultimately depend on your individual goals, risk tolerance and allocation. AAII can help you figure these out and identify which investments align with what works best for you.

Lastly, it’s important to evaluate a stock by comparing it against others in the same industry. Review the table below to see how FS Bancorp, Inc. stock stands up against its competitors. Click into any of the below tickers to see their stock grades for value, momentum, quality and EPS revisions.

FS Bancorp, Inc. (FSBW) Competitors

Companies similar to FS Bancorp, Inc. in the Banks industry.

Company name	Ticker	Market Cap
BayCom Corp	BCML	$332.08Mil
CoastalSouth Bancshares, Inc.	COSO	$325.16Mil
Cashmere Valley Bank	CSHX	$354.06Mil
First Community Corporation	FCCO	$318.09Mil
Fidelity D & D Bancorp, Inc.	FDBC	$312.85Mil

FS Bancorp, Inc. Stock: Bottom Line

You can use the information about how FS Bancorp, Inc. is graded to determine if you should invest in this stock. However, you should decide whether FS Bancorp, Inc.’s stock is a buy, sell or hold based on a combination of grades, metrics, ratios and U.S. Securities and Exchange Commission (SEC) reports.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets—without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

So, if you’re still on the fence about whether FS Bancorp, Inc. is a buy, sell or hold, you can utilize AAII’s expansive and robust screening tools like A+ Investor to help with your decision.

A+ Investor adds to its qualitative teaching by giving you a powerful data suite that helps you whittle down investment decisions, find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.