The current share price of
is above its future cash flow value.
Often investors are willing to pay a
for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
is considered below, and whether this is a fair price.
Price based on past earnings
FS Bancorp's earnings available for a low price, and how does
this compare to other companies in the same industry?
FS Bancorp's earnings are expected to grow by 0.3% yearly, however this is not considered high growth (20% yearly).
Unable to determine if FS Bancorp is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
FS Bancorp's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
has a total score of
3/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
Joseph A. Urbanski is President and Chief Executive Officer of Farmers State Bank (the “Bank”). He joined the Bank in 2007 as the Chief Financial Officer. He is a graduate of Indiana University South Bend, he earned a bachelor’s degree in accounting. After graduating from IUSB in 1998, he worked for Crowe Horwath as a CPA for 9 years. He serves on the board of directors for both the LaGrange County Economic Development Corporation and the Regional Chamber of Northeast Indiana.
Insufficient data for Joe to compare compensation growth.
Insufficient data for Joe to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure
Average tenure of the
management team in years:
The average tenure for the FS Bancorp management team is less than 2 years, this suggests a new team.
Executive Vice President & Chief Financial Officer
Executive VP & Chief Administration Officer
Executive VP & COO of Farmers State Bank
Executive VP & Chief Loan Officer
Executive VP & Chief Business Development Officer
Treasurer & Honorary Director
Assistant Vice President of Topeka Office of Farmers State Bank
Assistant Secretary and Senior VP of West Region Branch Administrator of Farmers State Bank
Assistant Vice President of Collections of Farmers State Bank
Board of Directors Tenure
Average tenure and age of the
board of directors in years:
The tenure for the FS Bancorp board of directors is about average.
Board of Directors
Chairman of the Board
Treasurer & Honorary Director
Who owns this company?
Recent Insider Trading
No 3 month individual insider trading information.
FS Bancorp operates as the holding company for Farmers State Bank that provides banking products and services in Indiana and Michigan. The company accepts various deposit products, including checking accounts, savings accounts, and certificates of deposit products. It offers loan products comprising personal loans, such as automobile loans, secured and unsecured loans, term or single payment loans, agricultural loans, and home equity loans; and commercial loans consisting of real estate loans, business line of credit, and equipment and long term asset financing, as well as mortgages. In addition, the company provides debit and credit cards; life insurance and disability insurance services; mobile and online banking services, safe deposit boxes, individual retirement accounts, MasterCards, and ATM cards; overdraft protection, cash management, and trust services; and investment services. It operates through approximately 14 offices located in LaGrange, Steuben, DeKalb, and Elkhart counties in Indiana; and St. Joseph County, Michigan. The company was founded in 1915 and is headquartered in LaGrange, Indiana.
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