FS Bancorp Inc

NAS:FSBWFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$44.58−0.60%At closeAt close · Tue 20 Oct · ≈ AED 163.72 · Market cap $331.32M · Next earnings Tue 20 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	80.5%	92.2%	84.6%	73.7%	67.0%	66.5%	—	—
Operating margin	35.1%	36.2%	27.6%	24.4%	20.4%	20.6%	20.6%	+0.0 pts
Net margin	27.6%	28.5%	22.1%	19.5%	17.2%	15.3%	15.3%	+0.0 pts
EBITDA margin	44.7%	47.8%	38.0%	31.3%	25.6%	25.3%	—	—
Return on equity	17.1%	15.1%	12.8%	13.6%	11.8%	10.8%	10.8%	+0.0 pts
Return on assets	1.9%	1.6%	1.1%	1.2%	1.2%	1.0%	1.0%	+0.0 pts
Return on capital employed	11.4%	12.8%	7.3%	10.1%	6.0%	10.1%	—	—
Debt / equity	0.5×	0.4×	1.0×	0.2×	1.2×	0.5×	0.5×	+0.0%
Debt / assets	5.6%	4.2%	9.2%	2.0%	11.7%	4.4%	—	—
Interest coverage	3.4×	4.9×	2.6×	1.0×	0.7×	0.7×	—	—
Current ratio	0.2×	0.2×	0.1×	0.1×	0.1×	0.1×	0.1×	+0.0%
Quick ratio	0.2×	0.2×	0.1×	0.1×	0.1×	0.1×	—	—
Cash ratio	0.1×	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Asset turnover	0.1×	0.1×	0.1×	0.1×	0.1×	0.1×	—	—
Receivables turnover	20.2×	17.3×	12.0×	13.2×	14.7×	14.9×	—	—
Dividend payout	9.1%	12.3%	23.9%	21.5%	23.6%	30.8%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.