38.43 USD
-0.15 (-0.39%)
38.43 USD
0 (0%)
FSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. While FSBC is still in line with the averages on profitability rating, there are concerns on its financial health. FSBC has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- FSBC had positive earnings in the past year.
- In the past year FSBC had a positive cash flow from operations.
- FSBC had positive earnings in 4 of the past 5 years.
- FSBC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- FSBC has a Return On Assets of 1.23%. This is in the better half of the industry: FSBC outperforms 79.11% of its industry peers.
- With an excellent Return On Equity value of 13.28%, FSBC belongs to the best of the industry, outperforming 88.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 13.28% | ||
| ROIC | N/A |
ROA(3y)1.28%
ROA(5y)1.47%
ROE(3y)15.31%
ROE(5y)18.16%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- Looking at the Profit Margin, with a value of 38.15%, FSBC belongs to the top of the industry, outperforming 94.26% of the companies in the same industry.
- FSBC's Profit Margin has declined in the last couple of years.
- FSBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 38.15% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.17%
PM growth 5Y-6.32%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- FSBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
- There is no outstanding debt for FSBC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
- The Debt to FCF ratio of FSBC is 1.07, which is an excellent value as it means it would take FSBC, only 1.07 years of fcf income to pay off all of its debts.
- With a decent Debt to FCF ratio value of 1.07, FSBC is doing good in the industry, outperforming 64.23% of the companies in the same industry.
- FSBC has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
- FSBC's Debt to Equity ratio of 0.17 is in line compared to the rest of the industry. FSBC outperforms 49.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.07 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.76%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- FSBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.19%, which is quite impressive.
- The Earnings Per Share has been growing slightly by 3.57% on average over the past years.
EPS 1Y (TTM)27.19%
EPS 3Y3.57%
EPS 5YN/A
EPS Q2Q%31.75%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%23.73%
3.2 Future
- Based on estimates for the next years, FSBC will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.92% on average per year.
- The Revenue is expected to grow by 15.04% on average over the next years. This is quite good.
EPS Next Y18.06%
EPS Next 2Y15.92%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.79%
Revenue Next 2Y15.04%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 13.25 indicates a correct valuation of FSBC.
- FSBC's Price/Earnings ratio is in line with the industry average.
- When comparing the Price/Earnings ratio of FSBC to the average of the S&P500 Index (28.60), we can say FSBC is valued rather cheaply.
- With a Price/Forward Earnings ratio of 11.22, the valuation of FSBC can be described as very reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as FSBC.
- FSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.25 | ||
| Fwd PE | 11.22 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of FSBC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.84 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- FSBC's earnings are expected to grow with 15.92% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.73
PEG (5Y)N/A
EPS Next 2Y15.92%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- FSBC has a Yearly Dividend Yield of 2.20%.
- Compared to an average industry Dividend Yield of 2.60, FSBC is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.82, FSBC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
5.2 History
- FSBC has been paying a dividend for over 5 years, so it has already some track record.
- FSBC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
- FSBC pays out 29.81% of its income as dividend. This is a sustainable payout ratio.
DP29.81%
EPS Next 2Y15.92%
EPS Next 3YN/A
FIVE STAR BANCORP / FSBC FAQ
What is the fundamental rating for FSBC stock?
ChartMill assigns a fundamental rating of 4 / 10 to FSBC.
What is the valuation status of FIVE STAR BANCORP (FSBC) stock?
ChartMill assigns a valuation rating of 5 / 10 to FIVE STAR BANCORP (FSBC). This can be considered as Fairly Valued.
What is the profitability of FSBC stock?
FIVE STAR BANCORP (FSBC) has a profitability rating of 4 / 10.
What is the earnings growth outlook for FIVE STAR BANCORP?
The Earnings per Share (EPS) of FIVE STAR BANCORP (FSBC) is expected to grow by 18.06% in the next year.
Can you provide the dividend sustainability for FSBC stock?
The dividend rating of FIVE STAR BANCORP (FSBC) is 4 / 10 and the dividend payout ratio is 29.81%.