FS Bancorp Past Earnings Performance

Past criteria checks 2/6

FS Bancorp has been growing earnings at an average annual rate of 2%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 3.1% per year. FS Bancorp's return on equity is 12.6%, and it has net margins of 34.6%.

Key information

2.0%

Earnings growth rate

2.6%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	3.1%
Return on equity	12.6%
Net Margin	34.6%
Last Earnings Update	30 Sep 2024

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

How FS Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:FXLG Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	41	14	18
30 Jun 24	40	14	18
31 Mar 24	39	13	18
31 Dec 23	38	13	18
30 Sep 23	41	15	18
30 Jun 23	42	16	18
31 Mar 23	42	16	17
31 Dec 22	42	16	17
30 Sep 22	41	16	17
30 Jun 22	41	16	17
31 Mar 22	40	15	17
31 Dec 21	40	15	17
30 Sep 21	41	15	17
30 Jun 21	40	15	17
31 Mar 21	39	15	16
31 Dec 20	37	14	16
30 Sep 20	36	14	16
30 Jun 20	36	14	16
31 Mar 20	35	13	16
31 Dec 19	35	13	16
30 Sep 19	34	11	18
30 Jun 19	33	10	18
31 Mar 19	33	10	18
31 Dec 18	32	9	17
30 Sep 18	31	9	15
30 Jun 18	30	9	14
31 Mar 18	29	8	14
31 Dec 17	29	8	14
30 Sep 17	28	8	14
30 Jun 17	28	8	14
31 Mar 17	27	8	14
31 Dec 16	27	7	14
30 Sep 16	27	7	13
30 Jun 16	26	7	13
31 Mar 16	26	6	13
31 Dec 15	25	6	13
30 Sep 15	25	6	13
30 Jun 15	25	6	13
31 Mar 15	24	6	13
31 Dec 14	24	6	13
30 Sep 14	24	6	13
30 Jun 14	23	6	13
31 Mar 14	23	6	13
31 Dec 13	23	6	13

Quality Earnings: FXLG has high quality earnings.

Growing Profit Margin: FXLG's current net profit margins (34.6%) are lower than last year (37.1%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: FXLG's earnings have grown by 2% per year over the past 5 years.

Accelerating Growth: FXLG's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: FXLG had negative earnings growth (-7%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).

Return on Equity

High ROE: FXLG's Return on Equity (12.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 01:10
End of Day Share Price	2024/12/23 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

FS Bancorp is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution