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FSBW

FS BancorpB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
Q2 earnings and net interest income improved year over year, book value compounded strongly, capital remained well above minimum standards, and capital returns continued. Merger integration could create additional scale or efficiency upside, but no closing milestone was supplied.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
What can break
Consumer loans declined 5.5% year over year, and analyst coverage and revision data are thin.
Momentum
53
Value
64
Sentiment
65
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $45.00 · Bull $52.00 · Bear $36.00Analysis 2026-07-31; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-11 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-31 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-11

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-11. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $45.00
Why
Momentum53 · Δ7d -
Value64 · Δ7d -0.0
Sentiment65 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite.

Contradictions & invalidation

  • • Consumer loans declined 5.5% year over year, and analyst coverage and revision data are thin.
  • • Credit-loss provision increased year over year, while the loan portfolio includes meaningful commercial real-estate and construction exposure.
  • • The quarter missed consensus EPS, efficiency was worse than the cited estimate, deposits fell sequentially, borrowings increased as brokered deposits declined, and credit-loss provision rose year over year.

Catalyst clock

2026-07-21

Q2 earnings were operationally stable but mixed versus consensus

Lead driver: Sentiment · See AI snapshot
Momentum
53
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
64
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
0.0
Sentiment
65
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade B. Momentum 52.8 / Value 63.6 / Sentiment 65.4

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-31. Scenario method

B+
Bull case
25%
Probability
Target price
$52.00
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$45.00
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$36.00
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$318.61M
Beta
0.71
Shares Out
7.43M
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 2026-09-11 • Updated nightlySource: Internal modelMethods & Data