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FS Bancorp, Inc (FSBW) Fair Value & Analysis

Financial Services · US · Market cap $309M

Price$42.70
Fair Value$58.47
Upside+36.9%
Quality95/100
Evidence: High Range $43.85 – $73.08

Fair value as of: Jun 26, 2026

Analysis

FS Bancorp, Inc (FSBW) currently trades at $42.70, while our model-based Fair Value estimate is $58.47 — implying the stock looks roughly 36.9% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

FS Bancorp, Inc. operates as a bank holding company for 1st Security Bank of Washington that provides banking and financial services to local families, local and regional businesses, and industry niches in Washington. The company operates in two segments, Commercial and Consumer Banking; and Home Lending. It offers various deposit instruments, including checking accounts, money market deposit accounts, savings accounts, and certificates of deposit. The company provides one-to-four-family residential first mortgages loans, home equity loan products, commercial business loans, commercial real estate loans, and construction and development loans, as well as consumer loans, which include personal lines of credit, credit cards, automobile, direct home improvement, loans on deposit, and recreational loans. Further, it provides online banking platforms, mobile banking apps, and telephone banking services, as well as cash management services. The company operates full bank service branches …

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Frequently asked questions

Is FS Bancorp, Inc (FSBW) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $58.47 versus a price of $42.70 — about +37% (undervalued). Model-based estimate, not financial advice.
What is the fair value of FSBW?
Our 21-model fair value for FS Bancorp, Inc is $58.47 (as of Jun 26, 2026), built from audited fundamentals. The current price is $42.70.
What is the quality score of FSBW?
FS Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.