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	130.41	123.11	123.3	104.28	86.65
Net Interest Income Growth	5.93%	-0.16%	18.24%	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	152.68	144.66	143.79	122.39	124.16
Provision for Credit Losses	9.55	5.51	4.77	6.22	0.5
Revenue	143.14	139.15	139.02	116.17	123.66
Revenue Growth (YoY)	2.86%	0.09%	19.67%	-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)	-1.52%	1.52%	-1.25%	-6.47%	-2.38%
EPS (Basic)	4.35	4.48	4.63	3.75	4.48
EPS (Diluted)	4.29	4.48	4.63	3.75	4.48
EPS Growth	-4.24%	-3.24%	23.47%	-16.30%	-2.18%
Free Cash Flow	9.55	49.19	76	183.35	107.03
Free Cash Flow Growth	-80.59%	-35.28%	-58.55%	71.31%	-
Free Cash Flow Per Share	-	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	23.30%	25.17%	25.93%	25.52%	30.25%
FCF Margin	6.67%	35.35%	54.67%	157.83%	86.55%
EBITDA	0	10.57	12.65	14	15.18
EBITDA Margin	0.00%	7.59%	9.10%	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