Should I Buy FSBW? FSBW 2026 Analysis

Should You Buy FS Bancorp Inc (FSBW) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

42.280

1 Day change

-1.90%

52 Week Range

44.220

Analysis Updated At

2026/02/04

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Buy now (impatient entry): Technical trend is bullish (stacked moving averages + expanding positive MACD) and price is sitting just below near-term resistance, offering a reasonable breakout/swing setup.
Upside is modest but defined: Street PT is ~~$45 vs. ~$43.09 post-market (~~4% upside), with technical resistance levels at ~$44.20 then ~$45.
Fundamentals support the trend: 2025/Q4 showed solid YoY growth in revenue, net income, and EPS, aligning with the bullish technical backdrop.

Intellectia Proprietary Trading Signals

AI Stock Picker: no signal on given stock today.
SwingMax: No signal on given stock recently.

Technical Analysis

Trend: Bullish (SMA_5 > SMA_20 > SMA_200) indicates a sustained upward structure.
Momentum: MACD histogram is positive (0.0876) and expanding, supporting continued upside momentum.
RSI: RSI_6 at 58.8 = neutral-to-bullish; not overbought, leaving room for continuation.
Key levels: Pivot 41.623 (important trend line). Immediate resistance R1 43.218 (price ~43.09 just below). Next resistance R2 44.203. Supports S1 40.028, S2 39.043.
Pattern-based odds (provided): Indicates a constructive bias over week/month (higher projected move potential vs. next-day).

Positive Catalysts

- Strong 2025/Q4 YoY growth: Revenue +9.0%, Net Income +16.0%, EPS +23.1%.
- Analyst commentary tailwind: Expectation that loan growth may accelerate; credit described as solid outside somewhat elevated charge-offs.
- Technical setup: Price is pressing near resistance with improving momentum—favorable for a near-term continuation move.

Neutral/Negative Catalysts

- Analyst stance is Neutral: DA Davidson maintained Neutral and cut PT to $45 from $47 after an earnings miss.
- Expense pressure noted: Q4 miss attributed in part to expenses offsetting revenue strength.
- Overhead supply nearby: Resistance overhead at ~43.22 and ~44.20 could cap gains short-term if momentum fades.
- No fresh news catalysts: No news in the past week, reducing odds of an abrupt event-driven repricing.
- Influential trading: No recent congress trading data available; hedge fund/insider trends reported as neutral.

Financial Performance

Latest quarter: 2025/Q4
Revenue: $34.964M, +9.02% YoY (top-line strength).
Net income: $8.42M, +15.98% YoY (profitability improving).
EPS: $1.12, +23.08% YoY (strong per-share growth).
Takeaway: Growth trend is positive and supports the bullish technical picture, though prior commentary flags expenses as a watch item.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Most recent update (2026-01-26, DA Davidson): Price target cut to $45 (from $47); Neutral rating maintained after Q4 earnings miss.
What Wall Street is effectively saying (pros/cons):
- Pros: Strong revenue finish to the year; expectation for accelerating loan growth; credit largely solid.
- Cons: Expense headwinds impacted results; mentions of somewhat elevated charge-offs; neutral rating implies limited conviction/upside from current levels.

1 Analyst Rating

Wall Street analysts forecast FSBW stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for FSBW is 41 USD with a low forecast of 41 USD and a high forecast of 41 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

1 Hold

0 Sell

Hold

Current: 43.100

Low

Averages

High

Current: 43.100

Low

Averages

High

DA Davidson

Neutral

downgrade

$47 -> $45

AI Analysis

2026-01-26

Reason

DA Davidson

Price Target

$47 -> $45

AI Analysis

2026-01-26

downgrade

Neutral

Reason

DA Davidson lowered the firm's price target on FS Bancorp to $45 from $47 and keeps a Neutral rating on the shares after its Q4 earnings miss. From a revenue standpoint, FS closed the year in strong fashion, though expenses posed an offset, the analyst tells investors in a research note. The firm adds however that it expects loan growth to accelerate and also notes that credit is solid outside of somewhat elevated charge-offs.

DA Davidson

Jeff Rulis

Neutral

downgrade

$44 -> $41

2025-10-22

Reason

DA Davidson

Jeff Rulis

Price Target

$44 -> $41

2025-10-22

downgrade

Neutral

Reason

DA Davidson analyst Jeff Rulis lowered the firm's price target on FS Bancorp to $41 from $44 and keeps a Neutral rating on the shares after its Q3 results. The company's lofty net interest margins are rising even higher, and while its loan growth slowed, the bank will look to manage pricing ahead to improve net growth, which may level off net interest margins, the analyst tells investors in a research note. Some credit migration was evident but overall, the bank's asset quality is sound, the firm added.

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FSBW Should I Buy

FSBW Should I Buy

Should You Buy FS Bancorp Inc (FSBW) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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