FS Bancorp Retained Earnings 2011-2026 | FSBW

Retained earnings — this is the portion of a company’s net profit that has not been distributed to shareholders as dividends but remains at the company’s disposal for future use. It is also referred to as retained income or accumulated earnings.

Possible uses include

reinvestment in development (R&D, equipment, marketing)
debt repayment
acquisition of other companies
creation of reserves for the future

A high level of retained earnings indicates that the company is in a growth phase, accumulating capital and prioritizing reinvestment over dividend payouts. Conversely, low or negative retained earnings may suggest either a generous dividend policy, in which all profits are distributed to shareholders, or ongoing losses that reduce the overall financial result.

The presence of retained earnings does not indicate that the company has available cash — it is solely an accounting figure reflecting the accumulated portion of net profit remaining after dividends have been paid. Therefore, it is important for investors to analyze not only the amount of retained earnings, but also how effectively it is used to develop the business, reduce debt, or build financial stability.

Annual Retained Earnings FS Bancorp

2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
280 M	257 M	230 M	202 M	179 M	146 M	111 M	90.9 M	68.4 M	55.6 M	46.2 M	38.1 M	35.2 M	31.7 M	26.5 M

All numbers in USD currency

Indicator range from annual reports

Maximum	Minimum	Average
280 M	26.5 M	120 M

Quarterly Retained Earnings FS Bancorp

2025-Q3	2025-Q2	2025-Q1	2024-Q4	2024-Q3	2024-Q2	2024-Q1	2023-Q4	2023-Q3	2023-Q2	2023-Q1	2022-Q4	2022-Q3	2022-Q2	2022-Q1	2021-Q4	2021-Q3	2021-Q2	2021-Q1	2020-Q4	2020-Q3	2020-Q2	2020-Q1	2019-Q4	2019-Q3	2019-Q2	2019-Q1	2018-Q4	2018-Q3	2018-Q2	2018-Q1	2017-Q4	2017-Q3	2017-Q2	2017-Q1	2016-Q4	2016-Q3	2016-Q2	2016-Q1	2015-Q4	2015-Q3	2015-Q2	2015-Q1	2014-Q4	2014-Q3	2014-Q2	2014-Q1	2013-Q4	2013-Q3	2013-Q2	2013-Q1	2012-Q4	2012-Q3	2012-Q2	2012-Q1	2011-Q4	2011-Q3	2011-Q2	2011-Q1
274 M	269 M	263 M	257 M	252 M	244 M	-	230 M	223 M	216 M	208 M	202 M	196 M	189 M	185 M	179 M	172 M	165 M	157 M	146 M	146 M	146 M	146 M	111 M	111 M	111 M	111 M	90.9 M	79.6 M	90.9 M	90.9 M	68.4 M	65 M	68.4 M	68.4 M	55.6 M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

All numbers in USD currency

Indicator range from quarterly reporting

Maximum	Minimum	Average
274 M	55.6 M	160 M

Retained Earnings of other stocks in the Banks regional industry

Issuer	Retained Earnings	Price	% 24h	Market Cap	Country
Atlantic Capital Bancshares ACBI	114 M	-	-1.48 %	$ 566 M	USA
Signature Bank SBNY	3.55 B	-	-	$ 4.41 B	USA
American National Bankshares AMNB	233 M	-	-	$ 508 M	USA
Allegiance Bancshares ABTX	267 M	-	-0.86 %	$ 1.51 B	USA
First Midwest Bancorp, Inc. FMBI	1.39 B	-	-1.2 %	$ 2.26 B	USA
Brookline Bancorp BRKL	265 M	-	-	$ 974 M	USA
BankFinancial Corporation BFIN	74.4 M	-	-	$ 151 M	USA
CF Bankshares CFBK	61.1 M	$ 28.27	0.18 %	$ 181 M	USA
Citizens Holding Company CIZN	99.4 M	-	-5.65 %	$ 49.5 M	USA
Bank of South Carolina Corporation BKSC	14 M	-	-0.41 %	$ 66.6 M	USA
Cadence Bancorporation CADE	260 M	-	-	$ 5.43 B	USA
Bogota Financial Corp. BSBK	90 M	$ 8.37	0.72 %	$ 107 M	USA
Byline Bancorp BY	646 M	$ 31.08	-0.13 %	$ 1.39 B	USA
Banco BBVA Argentina S.A. BBAR	-29.4 B	$ 14.62	4.06 %	$ 450 B	Argentina
CBTX CBTX	566 M	-	1.49 %	$ 1.51 B	USA
Community Bank System CBU	1.39 B	$ 57.61	0.52 %	$ 3.04 B	USA
Coastal Financial Corporation CCB	258 M	$ 76.15	-0.9 %	$ 1.15 B	USA
CrossFirst Bankshares CFB	272 M	-	-	$ 784 M	USA
First Capital FCAP	105 M	$ 47.99	-0.27 %	$ 161 M	USA
Spirit of Texas Bancshares, Inc. STXB	76.7 M	-	-0.23 %	$ 446 M	USA
People's United Financial, Inc. PBCT	1.36 B	-	-	$ 8.34 B	USA
C&F Financial Corporation CFFI	269 M	$ 73.0	-0.03 %	$ 236 M	USA
Capitol Federal Financial CFFN	-87.3 M	$ 7.13	0.28 %	$ 927 M	USA
Hawthorn Bancshares HWBK	108 M	$ 32.66	0.37 %	$ 226 M	USA
Intercorp Financial Services IFS	1.3 B	$ 48.27	-1.0 %	$ 2.7 B	-
ESSA Bancorp ESSA	163 M	-	-	$ 196 M	USA
First Business Financial Services FBIZ	306 M	$ 53.3	-0.74 %	$ 435 M	USA
American River Bankshares AMRB	56 M	-	2.00 %	$ 125 M	USA
FFBW FFBW	40.4 M	-	-	$ 68.2 M	USA
Bank of Commerce Holdings BOCH	111 M	-	-1.56 %	$ 254 M	USA
Flushing Financial Corporation FFIC	480 M	$ 15.03	-0.46 %	$ 510 M	USA
First Financial Bankshares FFIN	1.49 B	$ 29.39	-0.54 %	$ 4.2 B	USA
First Financial Northwest FFNW	96.2 M	-	-1.23 %	$ 206 M	USA
Customers Bancorp CUBI	1.54 B	$ 69.37	1.83 %	$ 2.25 B	USA
First Guaranty Bancshares FGBI	68 M	$ 8.32	-1.77 %	$ 92.9 M	USA
CIT Group Inc. CIT	1.43 B	-	-1.4 %	$ 4.74 B	USA
Fulton Financial Corporation FULT	2.02 B	$ 20.1	0.45 %	$ 3.65 B	USA
Columbia Financial CLBK	934 M	$ 17.38	-0.46 %	$ 1.77 B	USA
Glen Burnie Bancorp GLBZ	22.9 M	-	-	$ 12.5 M	USA
ACNB Corporation ACNB	213 M	$ 47.2	0.23 %	$ 402 M	USA
ConnectOne Bancorp CNOB	674 M	$ 26.27	-0.3 %	$ 1.19 B	USA
Emclaire Financial Corp EMCF	48.9 M	-	-4.21 %	$ 86.4 M	USA
Axos Financial AX	2.62 B	$ 85.69	1.44 %	$ 4.87 B	USA
Horizon Bancorp HBNC	255 M	$ 16.23	-0.18 %	$ 754 M	USA
Citizens & Northern Corporation CZNC	171 M	$ 22.03	-0.36 %	$ 351 M	USA
Home Federal Bancorp of Louisiana HFBL	15.2 M	$ 16.51	-0.3 %	$ 50.4 M	USA
HMN Financial HMNF	142 M	-	-2.13 %	$ 122 M	USA
HomeStreet HMST	251 M	-	1.84 %	$ 262 M	USA
Bryn Mawr Bank Corporation BMTC	297 M	-	-1.52 %	$ 888 M	USA
Boston Private Financial Holdings, Inc. BPFH	156 M	-	0.07 %	$ 1.22 B	USA