FS Bancorp, Inc. (FSBW) vs Timberland Bancorp, Inc. (TSBK)

FS Bancorp, Inc. and Timberland Bancorp, Inc. are both Banks Regional companies. FS Bancorp, Inc. and Timberland Bancorp, Inc. are of similar size ($352.9M and $350.9M). FS Bancorp, Inc. trades at the lower P/E: 10.1× against 11.4×. FS Bancorp, Inc. grew revenue faster over the last twelve months: 6.61% against 6.43%. Timberland Bancorp, Inc. has the higher net margin (26.5% vs 14.6%) and the higher return on invested capital (83.9% vs 4.01%). Both pay a dividend; FS Bancorp, Inc. yields more (2.56% vs 2.55%). Across the 19 metrics below, FS Bancorp, Inc. leads on 10 and Timberland Bancorp, Inc. on 9.

Valuation

Metric FSBW TSBK Banks Regional median
P/E 10.15 11.36 11.98
P/S 1.47 2.98 2.34
P/B 1.03 1.30 1.19
Price to free cash flow 2.52 12.22 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.86% 8.81% 8.23%
Free cash flow yield 39.67% 8.18% 9.08%

Profitability

Metric FSBW TSBK Banks Regional median
Gross margin 69.57% 73.10% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.62% 26.46% 18.66%
Free cash flow margin 43.75% 24.42% 21.11%
Return on equity 10.64% 11.89% 10.65%
Return on assets 1.03% 1.57% 1.13%
Return on invested capital 4.01% 83.89% 8.35%

Growth

Metric FSBW TSBK Banks Regional median
Revenue growth (TTM) 6.61% 6.43% 6.98%
EPS growth (last fiscal year) (1.61%) 21.93% 18.88%
Revenue growth, 5-year CAGR 8.77% 9.51% 12.38%
Net income growth, 5-year CAGR (3.28%) 3.74% 9.71%

Health

Metric FSBW TSBK Banks Regional median
Debt to equity 1.17 0.04 0.22
Current ratio 1.10 1.00 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FSBW TSBK Banks Regional median
Dividend yield 2.56% 2.55% 2.57%
Payout ratio 0.27 0.29 0.30

Size

Metric FSBW TSBK Banks Regional median
Market cap 350.89m 352.86m 913.33m

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