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FS Bancorp, Inc. (FSBW)
FS Bancorp, Inc. (FSBW)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Cash Flow Overview
Change in Cash
-$8,992K
Free Cash flow
$51,424K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from borrowings
Proceeds from sale of loans held...
Available For Sale
Others
Negative Cash Flow Breakdown
Repayments of borrowings
Net (decrease) increase in depos...
Origination of loans held for sa...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
7,936
7,830
8,420
9,177
Provision for credit losses
2,641
2,529
3,624
2,309
Depreciation, amortization and accretion
2,440
2,278
2,491
3,188
Compensation expense related to stock options and restricted stock awards
643
627
633
583
Benefit for deferred income taxes
-
-
-294
-
Earnings on cash surrender value of boli
263
259
262
268
Gain on sale of loans held for sale
2,581
2,384
2,169
2,439
Gain on sale of portfolio loans
-
-
63
-
Gain on sale of msrs
-
-
0
0
Loss on sale of investment securities, net
-
-
0
0
Change in fair value on portfolio loans measured under the fair value option
45
-101
65
203
Origination of loans held for sale
118,385
158,613
173,745
128,911
Proceeds from sale of loans held for sale
157,887
155,758
181,564
157,774
Gain on purchase of tax credits
0
0
0
0
Loss on disposal of fixed assets
-
-
-39
-
Purchase of tax credits
0
0
0
0
(recovery) impairment of msrs
-4
-55
31
-6
Gain on sale of oreo
-
-
0
-
Accrued interest receivable
-1,070
719
-508
852
Other assets
101
-1,737
3,485
-2,688
Other liabilities
760
-118
-4,872
1,596
Net cash from operating activities
51,998
8,712
12,355
44,636
Proceeds from sale of investment securities
-
-
0
0
Available For Sale
14,653
20,961
31,943
9,442
Available For Sale Securities Debt
12,468
5,195
7,412
15,184
Held To Maturity Securities
3,391
975
4,500
2,750
Held To Maturity
2,000
1,000
2,725
3,000
Maturities of certificates of deposit at other financial institutions
0
0
0
248
Purchase of certificates of deposit at other financial institutions
-
-
0
0
Portfolio loan originations and principal collections, net
18,257
11,726
38,216
33,408
Net cash from acquisitions
-
-
0
-
Proceeds from sale of msrs
-
-
0
0
Proceeds from sale of portfolio loans
-
-
0
2,309
Purchase of portfolio loans
0
383
542
0
Proceeds from sale of oreo, net
-
-
0
-
Purchase of premises and equipment
574
273
15,709
3,023
Proceeds from bank owned life insurance death benefits
0
-
2,543
0
Change in fhlb stock, net
5,719
730
-4
-3,604
Capital contributions to affordable housing tax credit investments
148
452
-
-
Net cash used by investing activities
-23,904
2,227
-29,164
-35,762
Net (decrease) increase in deposits
-188,700
-36,073
-12,858
133,110
Proceeds from borrowings
1,715,850
105,000
323,501
12,436
Repayments of borrowings
1,558,655
67,000
323,501
117,436
Dividends paid on common stock
2,155
2,173
2,105
3,804
Disbursements from stock options exercised, net
-143
-
-37
-20
Common stock repurchased for employee/director taxes paid on restricted stock awards
-
27
0
464
Issuance of common stock - employee stock purchase plan
381
383
285
287
Common stock repurchased
3,637
620
1,537
4,898
Net cash (used by) from financing activities
-37,086
-456
-16,252
19,211
Net increase in cash and cash equivalents
-8,992
10,483
-33,061
28,085
Cash and cash equivalents, beginning of period
38,702
28,219
61,280
31,635
Cash and cash equivalents, end of period
29,710
38,702
28,219
61,280
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Proceeds from sale of
loans held for sale
$157,887K
(-28.84%↓ Y/Y)
Net income
$7,936K
(-49.61%↓ Y/Y)
Provision for credit
losses
$2,641K
(-26.90%↓ Y/Y)
Depreciation, amortization
and accretion
$2,440K
(-61.00%↓ Y/Y)
Accrued interest
receivable
-$1,070K
(-375.06%↓ Y/Y)
Other liabilities
$760K
(351.66%↑ Y/Y)
Compensation expense related
to stock options...
$643K
(-38.05%↓ Y/Y)
Net cash from
operating activities
$51,998K
(239.37%↑ Y/Y)
Canceled cashflow
$121,379K
Net increase in cash
and cash...
-$8,992K
(-676.41%↓ Y/Y)
Canceled cashflow
$51,998K
Proceeds from borrowings
$1,715,850K
(179.45%↑ Y/Y)
Issuance of common stock -
employee stock purchase...
$381K
(-41.38%↓ Y/Y)
Available For Sale
$14,653K
(-44.02%↓ Y/Y)
Held To Maturity
$2,000K
Origination of loans held for
sale
$118,385K
(-47.46%↓ Y/Y)
Gain on sale of loans
held for sale
$2,581K
(-29.71%↓ Y/Y)
Earnings on cash
surrender value of boli
$263K
(-47.92%↓ Y/Y)
Other assets
$101K
(101.85%↑ Y/Y)
Change in fair value on
portfolio loans measured...
$45K
(-83.08%↓ Y/Y)
(recovery) impairment of
msrs
-$4K
(-113.79%↓ Y/Y)
Net cash (used by)
from financing...
-$37,086K
(-129.03%↓ Y/Y)
Canceled cashflow
$1,716,231K
Net cash used by
investing activities
-$23,904K
(83.11%↑ Y/Y)
Canceled cashflow
$16,653K
Repayments of borrowings
$1,558,655K
(126.71%↑ Y/Y)
Net (decrease)
increase in deposits
-$188,700K
(-188.20%↓ Y/Y)
Common stock
repurchased
$3,637K
(-59.53%↓ Y/Y)
Dividends paid on common
stock
$2,155K
(-50.49%↓ Y/Y)
Disbursements from stock
options exercised, net
-$143K
Portfolio loan
originations and principal...
$18,257K
(-81.48%↓ Y/Y)
Available For Sale
Securities Debt
$12,468K
(-73.21%↓ Y/Y)
Change in fhlb stock,
net
$5,719K
(241.49%↑ Y/Y)
Held To Maturity
Securities
$3,391K
(-85.41%↓ Y/Y)
Purchase of premises and
equipment
$574K
(-65.04%↓ Y/Y)
Capital contributions
to affordable...
$148K
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