34.69 USD
-0.32 (-0.91%)
34.69 USD
0 (0%)
Overall FSBC gets a fundamental rating of 4 out of 10. We evaluated FSBC against 387 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 is growing strongly while it is still valued neutral. This is a good combination!
1. Profitability
1.1 Basic Checks
FSBC had positive earnings in the past year.
FSBC had a positive operating cash flow in the past year.
In the past 5 years FSBC has always been profitable.
FSBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FSBC's Return On Assets of 1.23% is fine compared to the rest of the industry. FSBC outperforms 79.07% of its industry peers.
With an excellent Return On Equity value of 13.28%, FSBC belongs to the best of the industry, outperforming 88.89% 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 94.32% of the companies in the same industry.
In the last couple of years the Profit Margin of FSBC has declined.
The Operating Margin and Gross Margin are not available for FSBC so they could not be analyzed.
| 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.
FSBC has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, FSBC has more shares outstanding
Compared to 1 year ago, FSBC has an improved debt to assets ratio.
2.2 Solvency
FSBC has a debt to FCF ratio of 1.07. This is a very positive value and a sign of high solvency as it would only need 1.07 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.07, FSBC is in the better half of the industry, outperforming 63.31% 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 has a Debt to Equity ratio of 0.17. This is comparable to the rest of the industry: FSBC outperforms 49.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.07 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.11%
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 18.42%, which is quite good.
Measured over the past 5 years, FSBC shows a small growth in Earnings Per Share. The EPS has been growing by 4.66% on average per year.
Looking at the last year, FSBC shows a very strong growth in Revenue. The Revenue has grown by 25.50%.
Measured over the past years, FSBC shows a quite strong growth in Revenue. The Revenue has been growing by 16.66% on average per year.
EPS 1Y (TTM)18.42%
EPS 3Y-7.22%
EPS 5Y4.66%
EPS Q2Q%48.08%
Revenue 1Y (TTM)25.5%
Revenue growth 3Y14.12%
Revenue growth 5Y16.66%
Sales Q2Q%29.49%
3.2 Future
The Earnings Per Share is expected to grow by 19.57% on average over the next years. This is quite good.
Based on estimates for the next years, FSBC will show a quite strong growth in Revenue. The Revenue will grow by 19.75% on average per year.
EPS Next Y26.53%
EPS Next 2Y22.54%
EPS Next 3Y19.57%
EPS Next 5YN/A
Revenue Next Year29.76%
Revenue Next 2Y23.63%
Revenue Next 3Y19.75%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 12.85, the valuation of FSBC can be described as correct.
The rest of the industry has a similar Price/Earnings ratio as FSBC.
When comparing the Price/Earnings ratio of FSBC to the average of the S&P500 Index (26.49), we can say FSBC is valued rather cheaply.
The Price/Forward Earnings ratio is 10.13, which indicates a very decent valuation of FSBC.
FSBC's Price/Forward Earnings is on the same level as the industry average.
FSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.85 | ||
| Fwd PE | 10.13 |
4.2 Price Multiples
FSBC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FSBC is cheaper than 60.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.68 | ||
| 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.
A more expensive valuation may be justified as FSBC's earnings are expected to grow with 19.57% in the coming years.
PEG (NY)0.48
PEG (5Y)2.76
EPS Next 2Y22.54%
EPS Next 3Y19.57%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.29%, FSBC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.11, FSBC is paying slightly less dividend.
FSBC's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.29% |
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
29.81% of the earnings are spent on dividend by FSBC. This is a low number and sustainable payout ratio.
DP29.81%
EPS Next 2Y22.54%
EPS Next 3Y19.57%
34.69
-0.32 (-0.91%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.12%
Inst Owner Change0.15%
Ins Owners22.44%
Ins Owner Change-0.12%
Market Cap741.33M
Revenue(TTM)150.13M
Net Income(TTM)57.28M
Analysts83.64
Price Target41.21 (18.8%)
Short Float %1.8%
Short Ratio4.48
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.29% |
Yearly Dividend0.84
Dividend Growth(5Y)N/A
DP29.81%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.79%
Min EPS beat(2)4.9%
Max EPS beat(2)6.68%
EPS beat(4)4
Avg EPS beat(4)5.73%
Min EPS beat(4)3.02%
Max EPS beat(4)8.31%
EPS beat(8)7
Avg EPS beat(8)5.1%
EPS beat(12)11
Avg EPS beat(12)5.94%
EPS beat(16)15
Avg EPS beat(16)6.64%
Revenue beat(2)0
Avg Revenue beat(2)-2.3%
Min Revenue beat(2)-3.5%
Max Revenue beat(2)-1.1%
Revenue beat(4)1
Avg Revenue beat(4)-0.92%
Min Revenue beat(4)-3.5%
Max Revenue beat(4)3.54%
Revenue beat(8)2
Avg Revenue beat(8)-1.43%
Revenue beat(12)4
Avg Revenue beat(12)-0.72%
Revenue beat(16)8
Avg Revenue beat(16)1.02%
PT rev (1m)12.22%
PT rev (3m)14.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.09%
EPS NY rev (1m)0%
EPS NY rev (3m)3.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.19%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.85 | ||
| Fwd PE | 10.13 | ||
| P/S | 4.94 | ||
| P/FCF | 10.68 | ||
| P/OCF | 10.58 | ||
| P/B | 1.72 | ||
| P/tB | 1.72 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.7
EY7.78%
EPS(NY)3.42
Fwd EY9.87%
FCF(TTM)3.25
FCFY9.36%
OCF(TTM)3.28
OCFY9.45%
SpS7.03
BVpS20.18
TBVpS20.18
PEG (NY)0.48
PEG (5Y)2.76
Graham Number35.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 13.28% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 38.15% | ||
| GM | N/A | ||
| FCFM | 46.22% |
ROA(3y)1.28%
ROA(5y)1.47%
ROE(3y)15.31%
ROE(5y)18.16%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.07 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 35.43% | ||
| Cap/Sales | 0.44% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 121.13% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.11%
ROIC/WACCN/A
Cap/Depr(3y)49.27%
Cap/Depr(5y)89.26%
Cap/Sales(3y)0.49%
Cap/Sales(5y)0.69%
Profit Quality(3y)97.91%
Profit Quality(5y)100.14%
High Growth Momentum
Growth
EPS 1Y (TTM)18.42%
EPS 3Y-7.22%
EPS 5Y4.66%
EPS Q2Q%48.08%
EPS Next Y26.53%
EPS Next 2Y22.54%
EPS Next 3Y19.57%
EPS Next 5YN/A
Revenue 1Y (TTM)25.5%
Revenue growth 3Y14.12%
Revenue growth 5Y16.66%
Sales Q2Q%29.49%
Revenue Next Year29.76%
Revenue Next 2Y23.63%
Revenue Next 3Y19.75%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.65%
FCF growth 3Y22.34%
FCF growth 5Y12.49%
OCF growth 1Y18.69%
OCF growth 3Y21.8%
OCF growth 5Y12.37%
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 for 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 are the PE and PB ratios of FIVE STAR BANCORP (FSBC) stock?
The Price/Earnings (PE) ratio for FIVE STAR BANCORP (FSBC) is 12.85 and the Price/Book (PB) ratio is 1.72.
Is the dividend of FIVE STAR BANCORP sustainable?
The dividend rating of FIVE STAR BANCORP (FSBC) is 3 / 10 and the dividend payout ratio is 29.81%.