B+
Bull case
25%
Probability
Target price
$52.00
Analysis reference price unavailable
Analysis 2026-07-31 · RankAlpha Sentiment Codex
FSBW
FS BancorpBNasdaq / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most 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
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-07-31
Recent news sentiment (30D)
+25.9
Positive
Company
-
Unavailable
Macro
+25.9
Positive
Pulse
-
Unavailable
Weekly research (10D)
-36.0
Negative
Sentiment proxy
+67.0
Score
AI commentary
The post-earnings signal is mixed: reported earnings were stable to modestly better year over year, but EPS missed consensus and funding, credit, and consumer-loan trends require monitoring. Secondary historical pricing reviewed around the release was volatile rather than a clean breakout, and precise reaction attribution is limited. Social, options, short-interest, employee, and analyst-revision data are unavailable or insufficient; confidence therefore remains moderate despite strong primary filing coverage.
RankAlpha Sentiment Codex - 2026-07-31
Open post-earnings memoEvidence flagged
No evidence quality warning is currently attached to this memo.
Impact
standard
Confidence
-
AI events
2026-07-21eventQ2 earnings were operationally stable but mixed versus consensusMedium impact
FS Bancorp reported Q2 net income of $7.9 million and diluted EPS of $1.04, up from $7.7 million and $0.99 year over year. Revenue modestly exceeded Zacks consensus, but EPS missed by 4.43%; the company also reported a $0.29 dividend and ongoing Pacific West Bank merger integration. [#SEC-8K-2026-07-21] [#PR-EARNINGS-2026-07-21]
2026-10-29catalystDeposit mix and funding-cost stabilizationMedium impact
Deposits declined 7.2% sequentially, mainly from lower brokered deposits, while retail deposits increased and deposit cost improved to 2.18%. Continued replacement of brokered funding without weakening liquidity or margins is the key near-term read-through. [#SEC-8K-2026-07-21]
2026-12-31catalystCommercial real-estate and home-lending mix supportMedium impact
Net loans grew 2% year over year, led by commercial real-estate growth, while Home Lending profit improved materially year over year. This is supportive but partly offset by declining consumer loans and higher credit-loss provisioning. [#SEC-8K-2026-07-21]
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-31 • Updated nightlySource: Internal modelMethodology