- Interest rate sensitivity: As a regional bank, FSBW’s profitability is heavily influenced by Federal Reserve policy changes
- Regional economic dependence: 100% of operations are in Pacific Northwest, making it vulnerable to local economic downturns
- Competition pressure: Larger national banks continue encroaching on regional bank territory
- Credit quality concerns: Recent provision for credit losses of $2.02M indicates potential asset quality issuesQ2 2025 Report
How to Buy FS Bancorp, Inc. (FSBW) Shares - Investment in FS Bancorp, Inc. (FSBW) Stock
Updated on 01 Sep 2025
Thinking about adding a solid regional bank stock to your portfolio? FS Bancorp, Inc. (FSBW) offers the perfect blend of stability and growth potential for new investors. With over 12 years of consistent dividend payments and a strong presence in the Pacific Northwest, this company represents the kind of reliable banking investment that can anchor your portfolio through market ups and downs.
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- 📈 FS Bancorp Stock Analysis: Current Price and Market Position
- 🔮 Price Forecast: 2025-2030 Outlook
- ⚠️ Key Risks vs. Positive Signals
- 🛡️ What Should a Beginner Trader Do Today?
- ✅ How to Buy FS Bancorp, Inc. (FSBW) Shares – Step by Step
- 💡 Why Pocket Option Fits New Investors
- 🌍 FS Bancorp in 2025: Regional Banking Excellence
📈 FS Bancorp Stock Analysis: Current Price and Market Position
As of September 1, 2025, FS Bancorp, Inc. (FSBW) is trading at $42.81 per share. This puts the stock in an interesting position – it’s up from its July lows around $41 but still about 13% below its 52-week high of $49.15 reached earlier this yearStock Analysis.
Mark your calendar: October 28, 2025 is your next critical date. That’s when FS Bancorp releases its Q3 earnings report. Historically, these quarterly announcements have created significant price movements.
How Earnings Reports Impact FSBW Stock
Looking at recent history shows a clear pattern of earnings-driven volatility:
| Date | Event | Pre-News Price | Post-News Change |
|---|---|---|---|
| Jul 22, 2025 | Q2 Earnings | ~$41.50 | +3.2% (beat estimates by $0.02) |
| Apr 22, 2025 | Q1 Earnings | ~$40.80 | Flat (met expectations exactly) |
| Jan 21, 2025 | Q4 Earnings | ~$42.00 | -5.8% (missed estimates by 11.5%) |
| Oct 22, 2024 | Q3 Earnings | ~$38.50 | +8.4% (beat by 13.2%) |
| Jul 23, 2024 | Q2 Earnings | ~$37.20 | +6.2% (beat by 10.8%) |
Trend Insight: Positive earnings surprises typically boost FSBW by 3-8%, while misses cause sharper declines of 5-6%. The stock shows resilience though – it usually recovers within weeks after negative reports.
6-Month Price Journey (March-September 2025)
FS Bancorp shares have experienced moderate volatility over the past six months:
March 2025: ~$38.50 (post-winter consolidation)
April 2025: ~$40.80 (Q1 earnings stability)
June 2025: ~$39.20 (summer market softness)
July 2025: ~$41.50 (Q2 earnings beat)
September 2025: $42.81 (current recovery)
The stock has gained approximately 11% from its March lows, demonstrating steady recovery despite banking sector headwinds. This performance reflects the company’s solid fundamentals and consistent dividend payments.
🔮 Price Forecast: 2025-2030 Outlook
Based on current analyst projections and technical analysis, here’s what to expect:
2025 Year-End: $44-46 range (3-7% upside from current levels) → BUY
Analysts maintain a $44.50 average price target with potential for $45+ if Q3 earnings surprise positivelyTipRanks.
2026 Forecast: $47-50 range
Continued gradual appreciation supported by dividend growth and steady earnings.
2028 Projection: $52-55 range
Compounding effect of dividends and modest price appreciation.
2030 Outlook: $58-62 range
Long-term stability with potential for accelerated growth if regional economy strengthens.
Verdict: FSBW represents a strong buy for income-focused investors seeking stability with moderate growth potential.
⚠️ Key Risks vs. Positive Signals
Risks to Consider
Green Lights for 2025
- Dividend consistency: 50 consecutive quarterly payments with recent increase to $0.28 per shareDividend History
- Deposit growth: 11.8% year-over-year increase to $2.62 billion showing customer confidence
- Share buybacks: $5 million repurchase program supporting per-share value
- Leadership stability: New CFO appointment bringing fresh perspective
- Valuation appeal: PE ratio of 10.21 well below industry average
🛡️ What Should a Beginner Trader Do Today?
- Start small – Begin with a position representing no more than 3-5% of your total portfolio
- Use dollar-cost averaging – Invest fixed amounts monthly rather than trying to time the market
- Set price alerts – Monitor for dips below $41 for better entry points
- Reinvest dividends – Compound your returns automatically
- Humorous take: “Trading FSBW is like Pacific Northwest weather – occasional storms but mostly steady drizzle that grows your garden over time!”
✅ How to Buy FS Bancorp, Inc. (FSBW) Shares – Step by Step
| Step | Action | Why It Matters |
|---|---|---|
| 1 | Choose a trading platform | Ensure it offers NASDAQ access and fractional shares |
| 2 | Complete account verification | Provide ID and funding source details |
| 3 | Deposit funds | Start with an amount you’re comfortable risking |
| 4 | Search “FSBW” | Use the exact ticker symbol for accuracy |
| 5 | Select order type | Use limit orders to control entry price |
| 6 | Set share quantity | Consider starting with 5-10 shares |
| 7 | Review and confirm | Double-check order details before submitting |
| 8 | Monitor position | Set price alerts for important levels |
| 9 | Reinvest dividends | Enable automatic dividend reinvestment |
| 10 | Review quarterly | Assess performance against your goals |
💡 Why Pocket Option Fits New Investors
For those looking to dip their toes into stock investing, Pocket Option offers several advantages that make starting easier:
- Minimum deposit of just $5 – You can begin with virtually any amount, reducing the psychological barrier to entry. This allows you to test strategies with real money but minimal risk.
- Rapid verification process – Complete KYC (Know Your Customer) in about one minute using any single identification document. No lengthy paperwork or waiting periods.
- Diverse withdrawal options – Access over 100 different methods to withdraw your profits, including cryptocurrency, e-wallets, and traditional bank transfers.
The platform’s user-friendly interface combined with these low barriers makes it ideal for beginners who want to practice real trading while learning about stocks like FS Bancorp.
🌍 FS Bancorp in 2025: Regional Banking Excellence
FS Bancorp operates as the holding company for 1st Security Bank of Washington, serving communities across the Pacific Northwest since 1936Company Profile. With approximately $3.18 billion in total assets and a focus on both commercial banking and home lending, the company has established itself as a trusted financial partner in the region.
The bank’s business model emphasizes personalized service through multiple branches across Washington and Oregon counties, offering everything from business loans to residential mortgages. What makes FSBW particularly interesting is their strategic balance between selling loans on secondary markets and retaining quality assets for their own portfolio.
Interesting Fact: In 2025, FS Bancorp achieved a remarkable milestone – celebrating their 50th consecutive quarterly cash dividend payment while simultaneously authorizing a new $5 million share repurchase program. This dual approach to shareholder returns demonstrates exceptional financial discipline and commitment to investor value creation.
FAQ
What is FS Bancorp's dividend yield?
Currently 2.64% annually, paid quarterly at $0.28 per share. The company has increased dividends for 12 consecutive years.
How often does FSBW report earnings?
Quarterly, typically in late January, April, July, and October. The next report is scheduled for October 28, 2025.
What is the minimum investment needed for FSBW?
With fractional share trading available on most platforms, you can start with as little as $10-20 for a small position.
How volatile is FSBW stock?
Moderately volatile with a beta of 0.71, meaning it's less volatile than the overall market but still experiences typical banking stock fluctuations.
Should I buy before or after earnings?
For beginners, it's often safer to wait until after earnings announcements to avoid unexpected price drops from missed expectations.
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