FS Bancorp, Inc. cash flow to debt ratio of 51.26% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

FS Bancorp, Inc.'s free cash flow has increased 5.59% from $49.19M last year to $51.94M, signaling increasing performance

FS Bancorp, Inc.'s debt to equity ratio is 1.19, which means that the company's assets are unhealthy financed, signaling financial risk.

FS Bancorp, Inc.'s debt has decreased relative to shareholder equity from 1.20 last year to 1.19 today, signaling strengthened financials

FS Bancorp, Inc. has a net cash position, so leverage is healthy.

FS Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

FS Bancorp, Inc.'s profit margin has increased (8.59%) in the last year from 17.19% to 18.67%, signaling increasing performance

FS Bancorp, Inc.'s short-term liabilities of $2.75B exceed its short-term assets of $316.79M, signaling financial risk

FS Bancorp, Inc.'s return on assets of 1.05% is lower than the 5.00% threshold, indicating inefficient asset utilization

FS Bancorp, Inc.'s return on equity of 10.75%, is lower than 15.00%, indicating bad performance

FS Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

FS Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

FS Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

FS Bancorp, Inc. has a free cash flow yield of 16.44%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

FS Bancorp, Inc.'s yearly earnings has decreased 4.79% since last year from $35.02M to $33.35M, signaling decreasing performance

FS Bancorp, Inc.'s yearly revenue has increased 6.78% since last year from $203.71M to $217.51M, signaling increasing performance

ROIC 0.68% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

FS Bancorp, Inc.'s 3-year revenue CAGR of 17.50% is positive, indicating growing revenue over the past 3 years

FS Bancorp, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

FS Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

FS Bancorp, Inc. has insufficient data to evaluate this check.

FS Bancorp, Inc. has an earnings yield of 10.41%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

FS Bancorp, Inc. is overvalued relative to its fair value price of 34.28 based on EBITDA multiple model

FS Bancorp, Inc. has an EV/EBITDA ratio of 2.82x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

FS Bancorp, Inc. is undervalued relative to its fair value price of 136.37 based on Earnings Fair Value model

FS Bancorp, Inc.'s earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

FS Bancorp, Inc. has a price-to-book ratio of 1.00x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

FS Bancorp, Inc. has a price-to-sales ratio of 1.79x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue