FSBWFS Bancorp, Inc.
Savings Institutions, Not Federally Chartered
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $100M net debt
- AI in 10-K
- —
Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear217% of net incomeCash flow under 80% of net income
- Dilutive SBCFired49% of revenueOver 10% of revenue
- Payouts exceed cash flowClear36% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $3M | $3M | $5M | — | — | |
| Net income | $37M | $30M | $36M | $35M | $33M | 4.9% |
| Operating cash flow | $109M | $185M | $78M | $51M | $72M | 42% |
| Capex | $2M | $2M | $2M | $2M | $20M | 1146% |
| Stock-based comp | $1M | $2M | $2M | $2M | $2M | 25% |
| Buybacks | $14M | $16M | $223K | $3M | $15M | 515% |
| Dividends | $5M | $7M | $8M | $8M | $10M | 24% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $277 · 1
- Net
- −$277
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $1M | $1M | 173 | 160 |
| FY2024 | $2M | $2M | 167 | 146 |
| FY2023 | $1M | $1M | 146 | 123 |
| FY2022 | $1M | $1M | 128 | 123 |
| FY2021 | $2M | $2M | 125 | 139 |