FS Bancorp Logo

FS Bancorp

FXLG

(0.5)
Stock Price

30,99 USD

1.15% ROA

13.66% ROE

9.42x PER

Market Cap.

150.061.600,00 USD

5.39% DER

3.42% Yield

23.59% NPM

FS Bancorp Stock Analysis

FS Bancorp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

FS Bancorp Fundamental Stock Analysis
# Analysis Rating
1 Dividend

Investors can trust the company's impressive dividend track record, consistently distributing dividends over the past five years, showcasing a strong commitment to rewarding shareholders.

2 ROE

Unidentified ROE

3 ROA

Unidentified ROA

4 PBV

Unidentified ROA

5 DER

Unidentified DER

6 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

7 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

8 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Graham Number

Unidentified Graham Number

10 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (0) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

FS Bancorp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

FS Bancorp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

FS Bancorp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

FS Bancorp Revenue
Year Revenue Growth
2013 23.185.411
2014 23.937.281 3.14%
2015 25.407.959 5.79%
2016 28.609.137 11.19%
2017 30.819.000 7.17%
2018 35.525.000 13.25%
2019 40.083.000 11.37%
2020 41.051.000 2.36%
2021 41.858.000 1.93%
2022 45.765.000 8.54%
2023 53.544.000 14.53%
2024 66.836.000 19.89%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

FS Bancorp Research and Development Expenses
Year Research and Development Expenses Growth
2013 0
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

FS Bancorp General and Administrative Expenses
Year General and Administrative Expenses Growth
2013 12.237.482
2014 12.163.800 -0.61%
2015 12.670.353 4%
2016 13.085.028 3.17%
2017 13.521.705 3.23%
2018 0 0%
2019 15.316.000 100%
2020 0 0%
2021 1.886.000 100%
2022 2.140.000 11.87%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

FS Bancorp EBITDA
Year EBITDA Growth
2013 -297.703
2014 -317.227 6.15%
2015 -1.078.337 70.58%
2016 -272.695 -295.44%
2017 11.706.000 102.33%
2018 11.196.000 -4.56%
2019 16.430.000 31.86%
2020 17.862.000 8.02%
2021 18.709.000 4.53%
2022 20.507.000 8.77%
2023 15.882.000 -29.12%
2024 0 0%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

FS Bancorp Gross Profit
Year Gross Profit Growth
2013 23.185.411
2014 23.937.281 3.14%
2015 25.407.959 5.79%
2016 28.609.137 11.19%
2017 30.819.000 7.17%
2018 35.525.000 13.25%
2019 40.083.000 11.37%
2020 41.051.000 2.36%
2021 41.858.000 1.93%
2022 45.765.000 8.54%
2023 53.544.000 14.53%
2024 66.836.000 19.89%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

FS Bancorp Net Profit
Year Net Profit Growth
2013 5.737.128
2014 6.245.225 8.14%
2015 6.134.091 -1.81%
2016 7.489.279 18.1%
2017 7.520.000 0.41%
2018 9.383.000 19.86%
2019 13.221.000 29.03%
2020 14.314.000 7.64%
2021 15.461.000 7.42%
2022 16.471.000 6.13%
2023 12.952.000 -27.17%
2024 17.352.000 25.36%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

FS Bancorp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2013 1
2014 1 0%
2015 1 0%
2016 2 0%
2017 2 0%
2018 2 50%
2019 3 33.33%
2020 3 0%
2021 4 0%
2022 4 0%
2023 3 0%
2024 4 25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

FS Bancorp Free Cashflow
Year Free Cashflow Growth
2013 0
2014 0 0%
2015 0 0%
2016 7.489.279 100%
2017 7.520.000 0.41%
2018 9.383.000 19.86%
2019 10.450.000 10.21%
2020 12.874.000 18.83%
2021 15.934.000 19.2%
2022 5.472.000 -191.19%
2023 1.738.000 -214.84%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

FS Bancorp Operating Cashflow
Year Operating Cashflow Growth
2013 0
2014 0 0%
2015 0 0%
2016 7.489.279 100%
2017 7.520.000 0.41%
2018 9.383.000 19.86%
2019 12.059.000 22.19%
2020 13.378.000 9.86%
2021 16.386.000 18.36%
2022 10.383.000 -57.82%
2023 1.738.000 -497.41%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

FS Bancorp Capital Expenditure
Year Capital Expenditure Growth
2013 0
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 1.609.000 100%
2020 504.000 -219.25%
2021 452.000 -11.5%
2022 4.911.000 90.8%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

FS Bancorp Equity
Year Equity Growth
2013 49.731.334
2014 55.053.811 9.67%
2015 59.254.845 7.09%
2016 62.864.640 5.74%
2017 66.092.000 4.88%
2018 71.361.000 7.38%
2019 82.680.000 13.69%
2020 94.644.000 12.64%
2021 102.565.000 7.72%
2022 88.000.000 -16.55%
2023 101.406.000 13.22%
2024 106.778.000 5.03%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

FS Bancorp Assets
Year Assets Growth
2013 527.280.679
2014 570.665.077 7.6%
2015 603.848.551 5.5%
2016 680.451.372 11.26%
2017 734.008.000 7.3%
2018 760.553.000 3.49%
2019 837.968.000 9.24%
2020 993.506.000 15.66%
2021 1.094.386.000 9.22%
2022 1.179.309.000 7.2%
2023 1.164.807.000 -1.25%
2024 1.206.716.000 3.47%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

FS Bancorp Liabilities
Year Liabilities Growth
2013 20.694.709
2014 20.797.886 0.5%
2015 16.901.063 -23.06%
2016 617.586.732 97.26%
2017 667.916.000 7.54%
2018 689.192.000 3.09%
2019 755.288.000 8.75%
2020 898.862.000 15.97%
2021 991.821.000 9.37%
2022 1.091.309.000 9.12%
2023 1.063.401.000 -2.62%
2024 1.099.938.000 3.32%

FS Bancorp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
13.81
Net Income per Share
3.26
Price to Earning Ratio
9.42x
Price To Sales Ratio
2.56x
POCF Ratio
14.05
PFCF Ratio
16.16
Price to Book Ratio
1.22
EV to Sales
0.59
EV Over EBITDA
4.97
EV to Operating CashFlow
3.7
EV to FreeCashFlow
3.7
Earnings Yield
0.11
FreeCashFlow Yield
0.06
Market Cap
0,15 Bil.
Enterprise Value
0,03 Bil.
Graham Number
42.92
Graham NetNet
-287.45

Income Statement Metrics

Net Income per Share
3.26
Income Quality
1
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.07
Net Income per EBT
0.84
EBT Per Ebit
0.49
Ebit per Revenue
0.58
Effective Tax Rate
0.16

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.58
Pretax Profit Margin
0.28
Net Profit Margin
0.24

Dividends

Dividend Yield
0.03
Dividend Yield %
3.42
Payout Ratio
0
Dividend Per Share
1.05

Operating Metrics

Operating Cashflow per Share
2.19
Free CashFlow per Share
2.19
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.25
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-28,59
Book Value per Share
25,13
Tangible Book Value per Share
24.52
Shareholders Equity per Share
25.13
Interest Debt per Share
2.61
Debt to Equity
0.05
Debt to Assets
0
Net Debt to EBITDA
-16.73
Current Ratio
0.17
Tangible Asset Value
0,10 Bil.
Net Current Asset Value
-0,98 Bil.
Invested Capital
-562705000
Working Capital
-0,58 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.04

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

FS Bancorp Dividends
Year Dividends Growth
2008 2
2009 2 0%
2010 2 0%
2011 2 0%
2012 2 0%
2013 2 0%
2014 2 0%
2015 2 0%
2016 2 0%
2017 2 0%
2018 2 0%
2019 2 -100%
2020 2 0%
2021 2 0%
2022 1 0%
2023 1 0%
2024 1 0%

FS Bancorp Profile

About FS Bancorp

FS Bancorp operates as the holding company for Farmers State Bank that provides banking products and services to individuals or business customers in Indiana and Michigan. It offers checking, consumer, and health saving accounts; individual retirement accounts and certificates of deposit; consumer and commercial loans; mortgages; safe deposit boxes; overdraft services; credit, debit, ATM, and gift cards; and merchant services, as well as cash management services. The company also provides mobile, online, and telephone banking services; and online bill pay services. FS Bancorp was founded in 1915 and is headquartered in LaGrange, Indiana.

CEO
Ms. Stacy Merrifield
Employee
0
Address
516 South Detroit Street
Lagrange, 46761

FS Bancorp Executives & BODs

FS Bancorp Executives & BODs
# Name Age
1 Ms. Stacy Merrifield
Executive Vice President & Chief Financial Officer
70
2 Ms. Renea Boots
Executive Vice President & Chief Administration Officer
70
3 Mr. T. J. Kempf
Executive Vice President & Chief Loan Officer
70
4 Mr. Mark Cowen
Executive Vice President & Chief Business Development Officer
70
5 Mr. Frederic J. Brown
Treasurer & Honorary Director
70
6 Ms. Lorelei M. White
Executive Vice President & Chief Operating Officer
70

FS Bancorp Competitors