FS Bancorp (FSBW) Reports Q4 Earnings: What Key Metrics Have to Say

Financial Performance - FS Bancorp reported revenue of $40.01 million for the quarter ended December 2025, marking a year-over-year increase of 12% [1] - The earnings per share (EPS) for the same period was $1.10, compared to $0.92 a year ago, indicating growth [1] - The reported revenue exceeded the Zacks Consensus Estimate of $38.65 million by 3.52%, while the EPS fell short of the consensus estimate of $1.13 by 2.37% [1] Key Metrics - The net interest margin was reported at 4.4%, matching the average estimate from two analysts [4] - The efficiency ratio was 65.1%, slightly better than the average estimate of 65.6% from two analysts [4] - Total non-interest income was $6.39 million, surpassing the average estimate of $4.85 million based on two analysts [4] - Net interest income was reported at $33.62 million, slightly below the average estimate of $33.85 million from two analysts [4] Stock Performance - FS Bancorp shares have returned +3% over the past month, outperforming the Zacks S&P 500 composite, which saw a change of +0.7% [3] - The stock currently holds a Zacks Rank 3 (Hold), suggesting it may perform in line with the broader market in the near term [3]