FS Bancorp, Inc. (FSBW)

FS Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	-1.94	-1.94	-1.94	104.28	86.65
Net Interest Income Growth	-	-	-	20.35%	16.90%
Non-Interest Income	22.28	21.56	20.49	18.11	37.51
Non-Interest Income Growth	3.35%	5.20%	13.15%	-51.73%	-32.24%
Revenues Before Loan Losses	20.34	19.61	18.55	122.39	124.16
Provision for Credit Losses	9.55	5.51	4.77	6.22	0.5
Revenue	10.79	14.1	13.77	116.17	123.66
Revenue Growth (YoY)	-23.50%	2.39%	-88.14%	-6.06%	6.20%
Compensation Expenses	57.78	55.09	53.62	47.63	49.72
Selling, General & Admin	35.76	34.19	30.23	26.02	24.45
Other Non-Interest Expenses	8.47	8.29	9.89	5.53	2.07
Total Non-Interest Expense	102.02	97.57	93.75	79.18	76.24
Pretax Income	41.12	41.58	45.27	36.99	47.42
Provision for Income Taxes	7.77	6.56	9.22	7.34	10.01
Net Income	33.35	35.02	36.05	29.65	37.41
Net Income to Common	33.35	35.02	36.05	29.65	37.41
Net Income Growth	-4.79%	-2.85%	21.60%	-20.75%	-4.72%
Shares Outstanding (Basic)	8	8	8	8	8
Shares Outstanding (Diluted)	8	8	8	8	8
Shares Change (YoY)	-3.16%	1.52%	-1.25%	-6.47%	-2.38%
EPS (Basic)	4.35	4.48	4.63	3.75	4.48
EPS (Diluted)	4.29	4.36	4.56	3.75	4.48
EPS Growth	-1.61%	-4.39%	21.60%	-16.30%	-2.18%
Shares Outstanding	7.51	7.83	7.7	7.74	8.17
Free Cash Flow	51.94	49.19	76	183.35	107.03
Free Cash Flow Growth	5.59%	-35.28%	-58.55%	71.31%	-
Free Cash Flow Per Share	6.80	6.23	9.77	23.29	12.71
Dividends Per Share	1.120	1.060	1.000	0.800	0.560
Dividend Growth	5.66%	6.00%	25.00%	42.86%	33.33%
Profit Margin	309.07%	248.34%	261.75%	25.52%	30.25%
FCF Margin	481.41%	348.78%	551.75%	157.83%	86.55%
EBITDA	11.94	10.57	12.65	14	15.18
EBITDA Margin	110.62%	74.92%	91.83%	12.05%	12.28%
Effective Tax Rate	18.91%	15.77%	20.36%	19.84%	21.11%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q