FS Bancorp, Inc. (FSBW)

FS Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	33.16	33.35	35.02	36.05	29.65	37.41
Depreciation & Amortization	11.88	11.94	10.57	12.65	14	15.18
Provision for Credit Losses	10.48	9.55	5.51	4.77	6.22	0.5
Stock-Based Compensation	2.37	2.25	1.81	2.01	1.97	3.22
Net Change in Loans Held-for-Sale	22.05	33.24	35.66	34.34	141.5	90.67
Other Adjustments	-10.17	-18.36	-40.62	-8.42	-9.64	-32.25
Changes in Accrued Interest and Accounts Receivable	-0.93	-0.73	0.12	-2.33	-3.55	-0.56
Changes in Other Operating Activities	4.33	1.08	2.75	-1.4	4.74	-5.16
Operating Cash Flow	72.85	72.31	50.82	77.67	184.9	109.01
Operating Cash Flow Growth	24.45%	42.28%	-34.56%	-57.99%	69.62%	-
Net Change in Loans Held-for-Investment	-174.61	-172.41	-137.27	-187.84	-501.04	-213.05
Net Change in Securities and Investments	-3.54	-24.61	31.72	-78.19	3.06	-98.54
Payments for Business Acquisitions	-	-	-	336.16	-	-
Capital Expenditures	-20.3	-20.37	-1.64	-1.67	-1.55	-1.98
Proceeds from Sale of Intangible Assets	-	-	16.31	-	-	-
Other Investing Activities	-0.97	10.96	-13.33	9.22	-4.52	2.74
Investing Cash Flow	-196.03	-206.43	-104.2	77.67	-504.04	-310.83
Net Change in Deposits	22.39	334.19	-183.03	-30.7	211.94	241.54
Long-Term Debt Issued	901.94	949.94	967.77	2,164	3,004	198.24
Long-Term Debt Repaid	-803.44	-1,128	-753.71	-2,257	-2,860	-282.19
Net Long-Term Debt Issued (Repaid)	98.5	-178.5	214.06	-92.78	144	-83.95
Issuance of Common Stock	1.21	1.17	-0.56	0.74	1.07	-2.08
Repurchase of Common Stock	-12.26	-15.89	-2.89	-0.58	-15.82	-14.17
Net Common Stock Issued (Repurchased)	-11.05	-14.72	-3.45	0.17	-14.75	-16.25
Common Dividends Paid	-10.25	-10.26	-8.27	-7.76	-7.1	-4.6
Financing Cash Flow	99.14	130.7	19.32	-131.08	334.09	136.74
Net Cash Flow	-24.04	-3.42	-34.06	24.25	14.95	-65.09
Free Cash Flow	52.55	51.94	49.19	76	183.35	107.03
Free Cash Flow Growth	1.18%	5.59%	-35.28%	-58.55%	71.31%	-
FCF Margin	47.43%	481.41%	348.78%	551.75%	157.82%	86.55%
Free Cash Flow Per Share	6.92	6.80	6.23	9.77	23.29	12.71
Levered Free Cash Flow	126.64	-153.24	260.89	-49.48	187.3	-39.06
Unlevered Free Cash Flow	-5.01	-8.09	11.81	7.25	13.65	7.47

Updated May 8, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q