---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-24-031784"
form_type: "8-K"
ticker: "FSBW"
cik: "0001530249"
company_name: "FS Bancorp, Inc."
filed_at: "2024-10-22T23:59:59+00:00"
generated_at: "2026-05-30T11:37:20.336296+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# FS Bancorp Q3 net income $10.3M ($1.29 EPS) vs $9.0M year ago; NIM 4.35%

## Summary
- Net income $10.3M ($1.29 diluted EPS) vs $9.0M ($1.13) a year ago, up 14.4%.
- Net interest margin improved to 4.35% from 4.29% prior quarter and 4.34% year ago.
- Total deposits grew $44.5M to $2.43B; borrowings reduced $18.1M to $163.8M.
- Board declared $0.27/share dividend, payable Nov 21 to holders of record Nov 7; 47th consecutive.
- Repurchased 97,000 shares in Q3 at avg $43.58; $1.4M remain under buyback plan.

## SEC filing metadata
- accession: 0001437749-24-031784
- form_type: 8-K
- ticker: FSBW
- cik: 0001530249
- company_name: FS Bancorp, Inc.
- filed_at: 2024-10-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1530249/000143774924031784/0001437749-24-031784-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1530249/000143774924031784/fsbw20240812_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-24-031784
- JSON: https://secwatch.observer/filing/0001437749-24-031784.json
- Plain text: https://secwatch.observer/filing/0001437749-24-031784.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.