Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | $3.55M | $1.75M | $2.91M | $2.67M | $3.01M | $3.19M | $4.61M | — | — |
| Revenue growth | — | — | -50.8% | 66.9% | -8.5% | 12.9% | 5.8% | 44.8% | — | — |
| Net income | $10.5M | $14.1M | $24.3M | $22.7M | $39.3M | $37.4M | $29.6M | $36.1M | $35.0M | $33.3M |
| Net margin | — | 397.0% | 1395.2% | 779.8% | 1473.3% | 1243.3% | 930.9% | 781.7% | — | — |
| EPS (diluted) | $3.51 | $4.28 | $6.29 | $5.01 | $4.49 | $4.37 | $3.70 | $4.56 | $4.36 | $4.29 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $3.59M | $15.1M | $21.4M | $9.18M | -$32.3M | $109M | $185M | $77.7M | $50.8M | $72.3M |
| Capital expenditures | $3.60M | $1.02M | $3.80M | $2.46M | $1.38M | $1.98M | $1.55M | $1.67M | $1.64M | $20.4M |
| Free cash flow | -$7.00K | $14.1M | $17.6M | $6.71M | -$33.7M | $107M | $183M | $76.0M | $49.2M | $51.9M |
| Share buybacks | $4.90M | $275K | $251K | $4.80M | $9.80M | $14.0M | $15.6M | $223K | $2.51M | $15.4M |
| Dividends paid | $1.09M | $1.33M | $1.92M | $2.86M | $3.57M | $4.60M | $7.10M | $7.76M | $8.27M | $10.3M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $36.5M | $18.9M | $32.8M | $45.8M | $91.6M | $26.5M | $41.4M | $65.7M | $31.6M | $28.2M |
| Total assets | $828M | $982M | $1.62B | $1.71B | $2.11B | $2.29B | $2.63B | $2.97B | $3.03B | $3.20B |
| Total liabilities | $747M | $860M | $1.44B | $1.51B | $1.88B | $2.04B | $2.40B | $2.71B | $2.73B | $2.89B |
| Long-term debt | — | — | — | $84.9M | $166M | $42.5M | $187M | — | — | — |
| Shareholders' equity | $81.0M | $122M | $180M | $200M | $230M | $248M | $232M | $264M | $296M | $308M |
| Retained earnings | — | — | — | $111M | $146M | $179M | $202M | $230M | $257M | $280M |
| Shares (wtd avg diluted) | 2.99M | 3.29M | 3.87M | 4.52M | 8.62M | 8.42M | 7.87M | 7.78M | 7.89M | 7.64M |
Every figure is extracted from FS Bancorp, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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