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
Gain (Loss) on Sale of Assets	-	-8.36	-0.15	-	0.01	0
Gain (Loss) on Sale of Investments	-	7.84	-	-	-	-0.3
Total Asset Writedown	-0.56	-0.04	0.05	-0	-2.06	1.97
Provision for Credit Losses	7.42	5.51	4.77	6.22	0.5	13.04
Net Decrease (Increase) in Loans Originated / Sold - Operating	57.34	35.66	34.34	141.5	90.67	-60.23
Accrued Interest Receivable	-1.11	0.12	-2.33	-3.55	-0.56	-1.12
Change in Other Net Operating Assets	11.21	2.75	-1.4	4.74	-5.16	11.23
Other Operating Activities	-11.52	-31.51	-1.61	-1.72	0.88	-3.26
Operating Cash Flow	101.49	50.82	77.67	184.9	109.01	-32.32
Operating Cash Flow Growth	362.80%	-34.56%	-57.99%	69.62%	-	-
Capital Expenditures	-5.05	-1.64	-1.67	-1.55	-1.98	-1.38
Cash Acquisitions	-	-	336.16	-	-	-
Investment in Securities	-95.39	31.72	-78.19	3.06	-98.54	-48.09
Purchase / Sale of Intangibles	-0	16.31	-	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-183.4	-137.27	-187.84	-501.04	-213.05	-221.91
Other Investing Activities	2.48	-13.33	9.22	-4.52	2.74	0.68
Investing Cash Flow	-281.36	-104.2	77.67	-504.04	-310.83	-270.69
Long-Term Debt Issued	-	967.77	2,164	3,004	198.24	601.16
Long-Term Debt Repaid	-	-753.71	-2,257	-2,860	-282.19	-520.21
Net Debt Issued (Repaid)	-34.5	214.06	-92.78	144	-83.95	80.95
Issuance of Common Stock	1.18	1.08	1.02	1.07	-	-
Repurchase of Common Stock	-14.35	-2.89	-0.58	-15.82	-14.17	-9.8
Common Dividends Paid	-10.27	-8.27	-7.76	-7.1	-4.6	-3.57
Net Increase (Decrease) in Deposit Accounts	259.12	-183.03	-30.7	211.94	241.54	281.43
Other Financing Activities	-0.37	-1.63	-0.27	-	-2.08	-0.2
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	96.44	49.19	76	183.35	107.03	-33.7
Free Cash Flow Growth	372.75%	-35.28%	-58.55%	71.31%	-	-
Free Cash Flow Margin	68.42%	35.35%	54.67%	157.82%	86.55%	-28.94%
Free Cash Flow Per Share	12.43	6.23	9.77	23.29	12.71	-3.91
Cash Interest Paid	63.45	63.06	38.74	10.97	8.17	14.58
Cash Income Tax Paid	0.02	2.37	10.4	4.69	11.08	11.69

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q