FS Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	185.76	181.88	170.86	154.95	111.65	90.74
Interest Income on Investments	15	15.37	13.98	12.25	7.05	5.64
Total Interest Income	200.75	197.25	184.84	167.19	118.69	96.37
Interest Paid on Deposits	58.71	57.67	53.16	36.75	9.42	6.93
Interest Paid on Borrowings	9.53	9.17	8.57	7.14	4.99	2.8
Total Interest Expense	68.25	66.84	61.73	43.89	14.41	9.73
Net Interest Income	132.51	130.41	123.11	123.3	104.28	86.65
Net Interest Income Growth	5.62%	5.93%	-0.16%	18.24%	20.35%	16.90%
Gain (Loss) on Sale of Assets	-	-	8.36	-	-	-
Gain (Loss) on Sale of Investments	-	-	-7.84	-	-	-
Other Non-Interest Income	13.96	14	12.48	13.78	10.19	6.43
Total Non-Interest Income	23.53	22.28	21.56	20.49	18.11	37.51
Non-Interest Income Growth	12.74%	3.35%	5.20%	13.15%	-51.73%	-32.24%
Revenues Before Loan Losses	156.04	152.68	144.66	143.79	122.39	124.16
Provision for Loan Losses	11.1	9.55	5.51	4.77	6.22	0.5
Revenue	144.94	143.14	139.15	139.02	116.17	123.66
Revenue Growth	3.77%	2.86%	0.09%	19.67%	-6.06%	6.20%
Salaries and Employee Benefits	57.1	55.53	53.29	51.61	45.66	46.5
Federal Deposit Insurance	2.38	2.31	2.01	2.39	1.22	0.64
Amortization of Goodwill & Intangibles	3.02	3.19	3.63	3.46	0.69	0.69
Selling, General & Administrative	22.75	23.09	22.47	19.17	17.25	16.88
Other Non-Interest Expense	17.17	17.84	16.21	15.64	13.46	13.59
Total Non-Interest Expense	102.41	101.96	97.61	92.14	78.29	78.3
EBT Excluding Unusual Items	42.53	41.17	41.54	46.88	37.89	45.36
Asset Writedown	0.03	-0.05	0.04	-0.05	0	2.06
Pretax Income	41.85	41.12	41.58	45.27	36.99	47.42
Income Tax Expense	8.49	7.77	6.56	9.22	7.34	10.01
Net Income	33.36	33.35	35.02	36.05	29.65	37.41
Preferred Dividends & Other Adjustments	0.53	0.57	0.57	0.58	0.55	0.61
Net Income to Common	32.84	32.78	34.45	35.48	29.1	36.8
Net Income Growth	0.13%	-4.85%	-2.88%	21.93%	-20.94%	-4.95%
Basic Shares Outstanding	7	8	8	8	8	8
Diluted Shares Outstanding	8	8	8	8	8	8
Shares Change	-4.80%	-3.16%	1.52%	-1.25%	-6.47%	-2.38%
EPS (Basic)	4.45	4.35	4.48	4.63	3.75	4.48
EPS (Diluted)	4.38	4.29	4.36	4.56	3.70	4.37
EPS Growth	5.35%	-1.61%	-4.39%	23.24%	-15.33%	-2.67%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.140	1.120	1.060	1.000	0.800	0.560
Dividend Growth	3.64%	5.66%	6.00%	25.00%	42.86%	33.33%
Effective Tax Rate	20.28%	18.91%	15.77%	20.36%	19.84%	21.11%

SEC Filings: 10-K · 10-Q