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Upturn AI SWOT - About
FSBW 
FS Bancorp Inc (FSBW)
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Upturn Advisory Summary
06/30/2025: FSBW (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $43.5
1 Year Target Price $43.5
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.54% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 303.63M USD | Price to earnings Ratio 9.15 | 1Y Target Price 43.5 |
Price to earnings Ratio 9.15 | 1Y Target Price 43.5 | ||
Volume (30-day avg) 3 | Beta 0.7 | 52 Weeks Range 32.50 - 48.47 | Updated Date 06/29/2025 |
52 Weeks Range 32.50 - 48.47 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.84% | Basic EPS (TTM) 4.31 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.82% | Operating Margin (TTM) 31.35% |
Management Effectiveness
Return on Assets (TTM) 1.15% | Return on Equity (TTM) 12.01% |
Valuation
Trailing PE 9.15 | Forward PE 8.9 | Enterprise Value 354950752 | Price to Sales(TTM) 2.17 |
Enterprise Value 354950752 | Price to Sales(TTM) 2.17 | ||
Enterprise Value to Revenue 2.83 | Enterprise Value to EBITDA - | Shares Outstanding 7697430 | Shares Floating 6294894 |
Shares Outstanding 7697430 | Shares Floating 6294894 | ||
Percent Insiders 14.97 | Percent Institutions 70.34 |
Analyst Ratings
Rating 2 | Target Price 43.5 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
FS Bancorp Inc
Company Overview
History and Background
FS Bancorp, Inc., founded in 1941, operates as the holding company for HomeStreet Bank. It has evolved from a savings and loan association to a commercial bank with operations primarily in the Western United States. Milestones include transitioning to a public company and expanding its commercial and consumer banking services.
Core Business Areas
- Commercial Banking: Provides a range of commercial real estate lending, commercial business lending, and deposit services to businesses and individuals.
- Consumer Banking: Offers residential mortgage lending, retail banking services, and wealth management solutions to individuals and families.
Leadership and Structure
The company is led by a board of directors and an executive management team. Key leaders include the CEO, CFO, and heads of various business units. The organizational structure is hierarchical with distinct departments for commercial banking, consumer banking, and support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is not readily available. Competitors include other regional and national banks such as Umpqua Holdings Corporation (UMPQ) and KeyCorp (KEY).
- Residential Mortgages: Offers various mortgage products for home purchases and refinancing. Market share data is not readily available. Competitors include PennyMac Financial Services (PFSI) and Rocket Companies (RKT).
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and heightened competition from fintech companies.
Positioning
FS Bancorp Inc. is positioned as a regional bank focused on serving businesses and individuals in the Western United States. Its competitive advantages include local market expertise and a strong customer relationship focus.
Total Addressable Market (TAM)
The total addressable market for banking services in the Western United States is estimated to be in the hundreds of billions of dollars. FS Bancorp Inc. captures a small but significant portion of this TAM.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Diversified product offerings
- Solid customer relationships
Weaknesses
- Limited geographic reach compared to national banks
- Sensitivity to interest rate fluctuations
- Higher operating costs
Opportunities
- Expansion into new markets within the Western United States
- Increased adoption of digital banking services
- Acquisitions of smaller banks or financial institutions
Threats
- Increased competition from fintech companies
- Economic downturns affecting loan demand
- Changes in regulatory requirements
Competitors and Market Share
Key Competitors
- UMPQ
- KEY
- PACW
- BOKF
Competitive Landscape
FS Bancorp faces competition from larger national banks with greater resources and smaller community banks with local expertise. Its success depends on its ability to differentiate itself through superior customer service and specialized product offerings.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends unavailable.
Future Projections: Future growth projections unavailable.
Recent Initiatives: Recent strategic initiatives data unavailable.
Summary
FS Bancorp Inc. operates as the holding company for HomeStreet Bank, providing commercial and consumer banking services in the Western US. The company benefits from a strong regional presence and diversified offerings, but is challenged by limited geographic reach and sensitivity to interest rate changes. Its competitive landscape includes larger national banks and smaller community institutions. More information is needed to evaluate financial performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About FS Bancorp Inc
Exchange NASDAQ | Headquaters Mountlake Terrace, WA, United States | ||
IPO Launch date 2012-07-10 | CEO & Director Mr. Joseph C. Adams | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 567 | Website https://www.fsbwa.com |
Full time employees 567 | Website https://www.fsbwa.com | ||
FS Bancorp, Inc. operates as a bank holding company for 1st Security Bank of Washington that provides banking and financial services to local families, local and regional businesses, and industry niches in Washington. The company operates in two segments, Commercial and Consumer Banking; and Home Lending. It offers various deposit instruments, including checking accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company provides one-to-four-family residential first mortgages loans, home equity loan products, commercial business loans, commercial real estate loans, and construction and development loans, as well as consumer loans, which include personal lines of credit, credit cards, automobile, direct home improvement, loans on deposit, and recreational loans. Further, it provides online banking platforms, mobile banking apps, and telephone banking services, as well as cash management services. The company operates full bank service branches and home loan production offices in suburban communities in the greater Puget Sound area, including Snohomish, King, Pierce, Kitsap, Clallam, Jefferson, Grays Harbor, Thurston, and Benton counties; Oregon; and a loan production office in the market area of the Tri-Cities. FS Bancorp, Inc. was founded in 1936 and is headquartered in Mountlake Terrace, Washington.
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