FSBW Valuation

FS Bancorp Inc

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42.160

+0.55(1.322%)1D

Overview
Forecast
Valuation
Earnings

FSBW Relative Valuation

FSBW's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, FSBW is overvalued; if below, it's undervalued.

Historical Valuation

FS Bancorp Inc (FSBW) is now in the Fair zone, suggesting that its current forward PE ratio of 9.71 is considered Fairly compared with the five-year average of 8.58. The fair price of FS Bancorp Inc (FSBW) is between 41.15 to 50.60 according to relative valuation methord.

Relative Value

Fair Zone

41.15-50.60

Current Price：42.16

Fair

9.71

Trailing

Forward

0.00

EV/EBITDA

FS Bancorp Inc. (FSBW) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

FS Bancorp Inc. (FSBW) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

2.07

FS Bancorp Inc. (FSBW) has a current PS of 2.07. The 5-year average PS is 2.00. The thresholds are as follows: Strongly Undervalued below 1.40, Undervalued between 1.40 and 1.70, Fairly Valued between 2.30 and 1.70, Overvalued between 2.30 and 2.60, and Strongly Overvalued above 2.60. The current Forward PS of 2.07 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

FS Bancorp Inc. (FSBW) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

FS Bancorp Inc. (FSBW) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

FS Bancorp Inc (FSBW) has a current Price-to-Book (P/B) ratio of 1.05. Compared to its 3-year average P/B ratio of 1.02 , the current P/B ratio is approximately 2.85% higher. Relative to its 5-year average P/B ratio of 1.04, the current P/B ratio is about 0.95% higher. FS Bancorp Inc (FSBW) has a Forward Free Cash Flow (FCF) yield of approximately 16.79%. Compared to its 3-year average FCF yield of 33.67%, the current FCF yield is approximately -50.14% lower. Relative to its 5-year average FCF yield of 30.15% , the current FCF yield is about -44.32% lower.

1.05

P/B

Median3y

1.02

Median5y

1.04

16.79

FCF Yield

Median3y

33.67

Median5y

30.15

Competitors Valuation Multiple

The average P/S ratio for FSBW's competitors is 2.68, providing a benchmark for relative valuation. FS Bancorp Inc Corp (FSBW) exhibits a P/S ratio of 2.07, which is -22.60% above the industry average. Given its robust revenue growth of 1.74%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Ponce Financial Group Inc

Timberland Bancorp Inc

Western New England Bancorp Inc

Provident Bancorp Inc (Maryland)

3.54

13.30%

229.95M

Performance Decomposition

Market capitalization of FSBW decreased by 1.92% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 8.98 to 10.02.

The secondary factor is the Revenue Growth, contributed 1.74%to the performance.

Overall, the performance of FSBW in the past 1 year is driven by P/E Change. Which is more unsustainable.

1.74%

32.55M → 33.12M

Revenue Growth

-15.22%

27.53 → 23.34

Margin Expansion

11.56%

8.98 → 10.02

P/E Change

-1.92%