Nextech3D.ai launches AI event marketplace targeting $1T industry - ICYMI
Nextech3D.AI (CSE:NTAR, OTCQX:NEXCF, FRA:1SS) earlier this week discussed the launch of its AI-power…
proactiveinvestors.com
FSBW(FSBW)
FSBW
Next earnings: Jul 28, 2026
Signal
Bearish Setup2↓
PRICE
Prev Close
40.10
Open
40.34
Day Range39.60 – 40.34
39.60
40.34
52W Range36.66 – 44.22
36.66
44.22
39% of range
VOLUME & SIZE
Avg Volume
13.3K
FUNDAMENTALS
P/E Ratio
9.2x
Value territory
EPS (TTM)
—
Div Yield
0.02%
Beta
0.29
Low vol
Performance
1D
-1.25%5D
-3.65%1M
-1.22%3M↓
-5.89%6M
-0.65%YTD
-3.81%1Y
-3.27%Worst: 3M (-5.89%)
Quick Read
Trend—Insufficient MA data
Momentum
BULLISH
revenue +3% YoY · 66% gross marginValuation
CHEAP
P/E 9x vs ~20x sectorHealth
MODERATE
CR 0.0 (low) · FCF $6.99/shStrong Buy
Key MetricsTTM
Market Cap$293.62M
Revenue TTM$220.93M
Net Income TTM$33.16M
Free Cash Flow$52.55M
Gross Margin66.2%
Net Margin15.0%
Operating Margin20.4%
Return on Equity10.9%
Return on Assets1.0%
Debt / Equity0.71
Current Ratio0.00
EPS TTM$4.41
Alpha SignalsFull Analysis →
What Moves This Stock
Net interest margin expansion/compression driven by Fed funds rate changes and deposit beta (cost of deposits relative to rate increases)
Commercial real estate loan growth and credit quality metrics in Pacific Northwest markets, particularly Seattle-area office and multifamily exposure
Deposit growth and mix shift between non-interest bearing and interest-bearing accounts
Credit provision expenses and non-performing asset trends, especially in CRE portfolio
Macro Sensitivity
Economic Cycle
high - Regional banks are highly sensitive to local economic conditions. Commercial real estate lending performance depends on Pacific Northwest employment growth, office occupancy rates, and multifamily demand. Consumer loan quality correlates with unemployment rates. Revenue growth tied to loan demand which contracts in recessions. Historical beta for regional banks typically 1.2-1.5x market.
Interest Rates
Net interest margin expands when Fed raises rates (assuming deposit costs lag), but prolonged high rates can compress loan demand and increase credit losses. Inverted yield curve (negative T10Y2Y spread) historically pressures bank profitability by raising short-term funding costs while capping long-term loan yields. Current rate environment as of February 2026 critical to NIM trajectory. Mortgage banking income declines when rates rise due to reduced refinancing activity.
Key Risks
Concentration risk in Pacific Northwest geography limits diversification; Seattle-area economic slowdown or tech sector weakness disproportionately impacts loan portfolio
Commercial real estate structural headwinds from remote work reducing office demand and potential overbuilding in multifamily sector during 2020-2023 period
Regulatory burden and compliance costs rising for community banks, creating scale disadvantages versus larger regionals with technology investments
Investor Profile
value - Trading at 1.0x price/book with 11.1% ROE attracts value investors seeking discount to tangible book value. 15.7% FCF yield appeals to income-focused investors. Negative earnings growth (-4.8%) and modest revenue growth (6.8%) limits growth investor appeal. Regional bank stocks typically attract investors with views on interest rate policy and regional economic growth rather than momentum traders.
Watch on Earnings
Federal Funds Rate and forward guidance from FOMC meetings (directly impacts NIM)10Y-2Y Treasury yield curve spread (inverted curve signals NIM compression and potential recession)Pacific Northwest unemployment rate and non-farm payroll growth (credit quality leading indicator)Seattle-area commercial real estate vacancy rates and cap rates (CRE portfolio risk indicator)
Health Radar
1 strong1 watch4 concern
21/100Liquidity
0.00Concern
Leverage
0.71Strong
Coverage
0.7xConcern
ROE
10.9%Watch
ROIC
1.1%Concern
Cash
$14MConcern
ANALYST COVERAGE2 analysts
HOLD
▲ +13.6%upside to target
Stock Health
Composite Score
1 of 5 signals bullish
3/10
Technicals
●
✗RSI RangeRSI 37 — Bearish momentum
Volume
●
✗Volume FlowLean Distribution — selling pressure
Fundamentals
●
✓Last EarningsBeat estimates
●
~Analyst ConsensusHold
●
✗LiquidityCurrent Ratio 0.00 — liquidity risk
Upcoming Events
EEarnings ReportMay 17, 2026
Tomorrow
DEx-Dividend DateAug 14, 2026
In 90 days
PDividend PaymentAug 27, 2026
In 103 days
FinancialsFull statements →
Technicals
Technical SetupBEARISH
Technicals →Trend
→ PullbackGolden Cross · 50D leads 200D by 22.1%
-3.0% vs SMA 50 · +18.4% vs SMA 200
Momentum
RSI36.7Momentum fading
MACD-0.35Below zero — bearish pulse · compressing
Market Position
Price Levels
52W High
$44.22+11.7%
EMA 50
$40.92+3.3%
Current
$39.60
52W Low
$36.66-7.4%
EMA 200
$33.50-15.4%
52-Week RangeMid-range
$36.6639th %ile$44.22
Squeeze SetupVolume-based
No Clear SetupVolume distribution is neutral or leaning toward distribution. No compelling squeeze setup based on current money flow data.
20-Day Money Flow
Acc days:1
Dist days:3
Edge:+2 dist
Volume Context
Avg Vol (50D)14K
Recent Vol (5D)
10K-30%
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
Earnings & Analysts
ANALYST ESTIMATES
Consensus of 3 analysts
Analyst revisions:EPS↓ Revised Down
Analyst consensus estimates · Actuals replace estimates as reported
| Year | Revenue Est. | Rev Gth | EPS Est. | EPS Gth | Range | Analysts |
|---|---|---|---|---|---|---|
FY2023 | $138.8M $138.0M–$139.7M | — | $4.63 | — | ±1% | Low1 |
FY2024 | $141.3M $137.5M–$145.0M | ▲ +1.7% | $4.06 | ▼ -12.4% | ±1% | Low2 |
FY2025 | $150.9M $150.6M–$151.2M | ▲ +6.8% | $4.32 | ▲ +6.3% | ±1% | Moderate3 |
Range confidence:Tight (high)ModerateWide (low)
Earnings HistoryFSBW
Last 8Q
+6.3%avg beat
Beat 7 of 8 quartersMissed 1↑ Estimates rising+8%
Q2'24
+11%
Q3'24
+13%
Q4'24
+9%
Q2'25
+2%
Q3'25
+9%
Q4'25
-3%
Q1'26
+1%
Q2'26
Beat
Miss
Estimate
Deeper color = bigger beat/miss
Insider Activity
SEC Filings →0 Buys/6 SellsNet Selling
Cofer-wildsmith Mar…Dir
$6K
Nov 20
SELL
Cofer-wildsmith Mar…Dir
$95K
Nov 21
SELL
Cofer-wildsmith Mar…Dir
$681
Nov 14
SELL
Cofer-wildsmith Mar…Dir
$152K
Nov 13
SELL
Adams Joseph C.Dir
$613K
Aug 27
SELL
Adams Joseph C.Dir
$267K
Aug 21
SELL
Financials
Dividends3.43% yield
+4.2% avg annual growthAnnual Yield3.43%
Quarterly Div.$0.2900
Est. Annual / Share$1.16
FrequencyQuarterly
Q3'24
Q4'24
Q1'25
Q2'25
Q3'25
Q4'25
Q1'26
Q2'26
Dividend per payment — last 8 periods
INSTITUTIONAL OWNERSHIP
1
T. Rowe Price Investment Management, Inc.
998K—2
BlackRock, Inc.
437K▼3
DIMENSIONAL FUND ADVISORS LP
418K▼4
De Lisle Partners LLP
392K▲5
Pacific Ridge Capital Partners, LLC
208K▲6
GEODE CAPITAL MANAGEMENT, LLC
153K▼7
TCW GROUP INC
152K—8
ALLIANCEBERNSTEIN L.P.
145K▼News & Activity
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About
FS Bancorp, Inc., a Washington corporation, is the holding company for 1st Security Bank of Washington. The Bank provides loan and deposit services to customers who are predominantly small- and middle-market businesses and individuals in Western Washington through its 21 bank branches, one headquarters office that accepts deposits, and seven loan production offices in various suburban communities in the greater Puget Sound area, and one loan production office in the market area of the Tri-Cities, Washington. The Bank services home mortgage customers throughout Washington State with an emphasis in the Puget Sound and Tri-Cities home lending markets.
May-Ling Sowell CRCMSenior Vice President & Chief Compliance Officer
Matthew D. MulletPresident, Treasurer & Secretary
Kelli NielsenExecutive Vice President & Chief Retail Banking Officer
Peers— Financial Services(7 companies)
Screen sector →| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
FSBW◀ | $39.60 | -1.25% | $294M | 9.0 | +677.5% | 1533.1% | 1500 |
| $297.81 | -0.70% | $798.0B | 14.1 | +330.7% | 2039.3% | 1503 | |
| $325.75 | +1.00% | $624.4B | 28.0 | +1134.0% | 5014.5% | 1500 | |
| $494.20 | +0.87% | $436.7B | 28.3 | +1641.6% | 4564.7% | 1490 | |
| $49.77 | -0.16% | $353.2B | 11.4 | -45.1% | 1592.6% | 1495 | |
| $192.51 | -1.04% | $303.6B | 16.6 | +1147.7% | 1466.4% | 1526 | |
| $948.47 | -2.11% | $279.8B | 15.9 | -138.4% | 1373.0% | 1526 | |
| Sector avg | — | -0.48% | — | 17.6 | +678.3% | 2511.9% | 1506 |