RankAlpha logo
Back to Rankings

FSBW

FS BancorpB
Nasdaq / Banks
Last Price
Quote time unavailable
View Chart
Current thesis
The acquired deposit base and lower funding costs could support earnings once merger expenses recede; Q3 margin improved six basis points sequentially. The company also declared a $0.29 quarterly dividend [#SEC-8K-2026-10-21].
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.6.
What can break
Home Lending posted an $806,000 loss as higher mortgage rates pressured saleable production; quarterly tangible book value per share declined.
Momentum
53
Value
63
Sentiment
55
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $44.00 · Bull $50.00 · Bear $36.00Analysis 2026-10-22; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-22 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $45.50
Why
Momentum53 · Δ7d -
Value63 · Δ7d +0.6
Sentiment55 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +0.6.

Contradictions & invalidation

  • • Home Lending posted an $806,000 loss as higher mortgage rates pressured saleable production; quarterly tangible book value per share declined.
  • • Nonperforming loans rose to $25.1 million from $15.6 million, predominantly reflecting acquired nonaccrual loans.
  • • Reported EPS missed the $1.11 consensus cited by Investing.com, while merger costs, a Home Lending loss and acquired nonperforming loans complicate the recovery case.

Catalyst clock

2026-10-23

Q3 earnings miss awaits a regular-session market test

Lead driver: Value · See fundamentals
Momentum
53
8% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
63
47% active weight
Current posture
7d trendFlat
Δ7d
+0.6
Δ21d
+0.1
Sentiment
55
45% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade B. Momentum 52.8 / Value 62.6 / Sentiment 55.4

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-22. Scenario method

B+
Bull case
25%
Probability
Target price
$50.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$44.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$36.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$343.8M
Beta
0.71
Shares Out
7.86M
P/E (TTM)
10.0
P/S (TTM)
2.08
P/FCF (TTM)
3.59
Rev YoY
+4.0%
EPS YoY
+5.6%
Gross Margin
-
Op Margin
+19.1%
Net Debt
$171.35M
Current Ratio
0.03
As of 2026-10-27 • Updated nightlySource: Internal modelMethods & Data