Core Viewpoint - FS Bancorp reported a decline in revenue and earnings per share (EPS) for the quarter ended December 2024, missing both revenue and EPS estimates [1][3]. Financial Performance - Revenue for the quarter was $35.72 million, down 0.5% year-over-year, and below the Zacks Consensus Estimate of $36.95 million, resulting in a surprise of -3.32% [1]. - EPS was reported at $0.92, a decrease from $1.23 in the same quarter last year, and also below the consensus estimate of $1.04, leading to an EPS surprise of -11.54% [1]. - Net Interest Margin was 4.3%, slightly below the average estimate of 4.4% from two analysts [4]. - The Efficiency Ratio was reported at 68.2%, higher than the average estimate of 65.6% from two analysts [4]. - Total Non-Interest Income was $4.61 million, compared to the average estimate of $5.45 million [4]. - Net Interest Income was $31.11 million, slightly below the average estimate of $31.50 million [4]. Stock Performance - Over the past month, shares of FS Bancorp have returned -2.4%, contrasting with the Zacks S&P 500 composite's increase of +1.2% [3]. - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3].
FS Bancorp (FSBW) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates