FS Bancorp, Inc. (FSBW)

FS Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	32.31	35.02	36.05	29.65	37.41	39.26
Depreciation & Amortization	12.06	10.57	12.65	14	15.18	13.62
Provision for Credit Losses	7.44	5.51	4.77	6.22	0.5	13.04
Stock-Based Compensation	2.18	1.81	2.01	1.97	3.22	2.33
Net Change in Loans Held-for-Sale	57.34	35.66	34.34	141.5	90.67	-60.23
Other Adjustments	-22.57	-40.62	-8.42	-9.64	-32.25	-50.43
Changes in Accrued Interest and Accounts Receivable	-1.11	0.12	-2.33	-3.55	-0.56	-1.12
Changes in Other Operating Activities	11.21	2.75	-1.4	4.74	-5.16	11.23
Operating Cash Flow	101.04	50.82	77.67	184.9	109.01	-32.32
Operating Cash Flow Growth	355.31%	-34.56%	-57.99%	69.62%	-	-
Net Change in Loans Held-for-Investment	-183.4	-137.27	-187.84	-501.04	-213.05	-221.91
Net Change in Securities and Investments	-97.41	31.72	-78.19	3.06	-98.54	-48.09
Payments for Business Acquisitions	-	-	336.16	-	-	-
Capital Expenditures	-5.05	-1.64	-1.67	-1.55	-1.98	-1.38
Proceeds from Sale of Intangible Assets	-0	16.31	-	-	-	-
Other Investing Activities	2.1	-13.33	9.22	-4.52	2.74	0.68
Investing Cash Flow	-280.91	-104.2	77.67	-504.04	-310.83	-270.69
Net Change in Deposits	259.12	-183.03	-30.7	211.94	241.54	281.43
Long-Term Debt Issued	886.44	967.77	2,164	3,004	198.24	601.16
Long-Term Debt Repaid	-920.94	-753.71	-2,257	-2,860	-282.19	-520.21
Net Long-Term Debt Issued (Repaid)	-34.5	214.06	-92.78	144	-83.95	80.95
Issuance of Common Stock	0.81	-0.56	0.74	1.07	-2.08	-0.16
Repurchase of Common Stock	-13.96	-2.89	-0.58	-15.82	-14.17	-9.84
Net Common Stock Issued (Repurchased)	-13.15	-3.45	0.17	-14.75	-16.25	-10
Common Dividends Paid	-10.27	-8.27	-7.76	-7.1	-4.6	-3.57
Financing Cash Flow	200.81	19.32	-131.08	334.09	136.74	348.81
Net Cash Flow	20.94	-34.06	24.25	14.95	-65.09	45.8
Free Cash Flow	95.99	49.19	76	183.35	107.03	-33.7
Free Cash Flow Growth	95.15%	-35.28%	-58.55%	71.31%	-	-
FCF Margin	68.10%	35.35%	54.67%	157.83%	86.55%	-28.94%
Free Cash Flow Per Share	12.38	6.23	9.77	23.29	12.71	-3.91
Levered Free Cash Flow	14.93	260.89	-49.48	187.3	-39.06	142.55
Unlevered Free Cash Flow	17.12	11.81	7.25	13.65	7.47	22.34

Updated Nov 10, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q