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FS Bancorp, Inc. FSBW Q4 2025 Annual earnings

Reported January 21, 2026 · After market close

Revenue$40.0MBeat by $1.8M
EPS$1.10Miss by $0.03
Revenue estimate$38.2M
EPS estimate$1.13

Next report

Oct 20, 2026 (in 2 months)
Revenue estimate$40.6M
EPS estimate$1.11

Financials

Q4 2025

Income statement

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Net income$8.4M+14.1%

Balance sheet

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Cash & equivalents$28.2M-10.8%
Total debt$135.2M-56.9%
Total equity$307.7M+4.0%
Total assets$3.2B+5.5%

Cash flow

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Operating cash flow$12.4M-70.2%
CapEx$15.7M+4,012%
Free cash flow--100%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$309.54M-3.6%
Enterprise value$416.51M-30.9%
P/E9.3×+0.1×

Returns & leverage

See full
Return on equity11.1%-1.5pp
Debt / equity0.4×-0.6×

FAQ

When did FS Bancorp, Inc. report Q4 2025 earnings?
FS Bancorp, Inc. (FSBW) reported Q4 2025 earnings on January 21, 2026 after market close.
What were FS Bancorp, Inc.'s Q4 2025 revenue and EPS?
FS Bancorp, Inc. reported revenue of $40.0M and eps of $1.10 for Q4 2025.
Did FS Bancorp, Inc. beat estimates in Q4 2025?
Revenue beat the consensus estimate of $38.2M by $1.8M. EPS missed the consensus estimate of $1.13 by $0.03.
How did FS Bancorp, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 32.4% from $59.2M a year earlier and eps grew 17.6% from $0.94.
Where can I find FS Bancorp, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0001437749-26-001639) and the 10-K periodic report (0001437749-26-008243) directly on SEC EDGAR. The filing index links above go to sec.gov.