FIVE STAR BANCORP (FSBC) Fundamental Analysis & Valuation

NASDAQ:FSBC • US33830T1034

Current stock price

36.48 USD
-0.3 (-0.82%)
At close:
36.48 USD
0 (0%)
After Hours:

This FSBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. FSBC Profitability Analysis

1.1 Basic Checks

  • FSBC had positive earnings in the past year.
  • FSBC had a positive operating cash flow in the past year.
  • FSBC had positive earnings in each of the past 5 years.
  • FSBC had a positive operating cash flow in 4 of the past 5 years.
FSBC Yearly Net Income VS EBIT VS OCF VS FCFFSBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.23%, FSBC is in the better half of the industry, outperforming 78.22% of the companies in the same industry.
  • FSBC has a better Return On Equity (13.28%) than 87.66% of its industry peers.
Industry RankSector Rank
ROA 1.23%
ROE 13.28%
ROIC N/A
ROA(3y)1.25%
ROA(5y)1.36%
ROE(3y)14.01%
ROE(5y)15.56%
ROIC(3y)N/A
ROIC(5y)N/A
FSBC Yearly ROA, ROE, ROICFSBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • FSBC's Profit Margin of 38.15% is amongst the best of the industry. FSBC outperforms 93.44% of its industry peers.
  • FSBC's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for FSBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 38.15%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.44%
PM growth 5Y-4.2%
GM growth 3YN/A
GM growth 5YN/A
FSBC Yearly Profit, Operating, Gross MarginsFSBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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3

2. FSBC Health Analysis

2.1 Basic Checks

  • FSBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, FSBC has more shares outstanding
  • Compared to 5 years ago, FSBC has more shares outstanding
  • FSBC has a better debt/assets ratio than last year.
FSBC Yearly Shares OutstandingFSBC Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
FSBC Yearly Total Debt VS Total AssetsFSBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

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.
  • The Debt to FCF ratio of FSBC (1.07) is better than 66.67% of its industry peers.
  • FSBC has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.17, FSBC is in line with its industry, outperforming 50.39% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.07
Altman-Z N/A
ROIC/WACCN/A
WACC14.01%
FSBC Yearly LT Debt VS Equity VS FCFFSBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
FSBC Yearly Current Assets VS Current LiabilitesFSBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. FSBC Growth Analysis

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.
  • FSBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.55% yearly.
  • FSBC shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.58%.
  • The Revenue has been growing by 16.29% on average over the past years. This is quite good.
EPS 1Y (TTM)27.19%
EPS 3Y3.57%
EPS 5Y5.55%
EPS Q2Q%31.75%
Revenue 1Y (TTM)25.58%
Revenue growth 3Y12.83%
Revenue growth 5Y16.29%
Sales Q2Q%20.76%

3.2 Future

  • FSBC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.87% yearly.
  • Based on estimates for the next years, FSBC will show a quite strong growth in Revenue. The Revenue will grow by 16.14% on average per year.
EPS Next Y20.78%
EPS Next 2Y17.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.05%
Revenue Next 2Y16.14%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
FSBC Yearly Revenue VS EstimatesFSBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
FSBC Yearly EPS VS EstimatesFSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. FSBC Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.58 indicates a correct valuation of FSBC.
  • Based on the Price/Earnings ratio, FSBC is valued a bit more expensive than 60.10% of the companies in the same industry.
  • FSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.70.
  • A Price/Forward Earnings ratio of 10.41 indicates a reasonable valuation of FSBC.
  • FSBC's Price/Forward Earnings ratio is in line with the industry average.
  • FSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
Industry RankSector Rank
PE 12.58
Fwd PE 10.41
FSBC Price Earnings VS Forward Price EarningsFSBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as FSBC.
Industry RankSector Rank
P/FCF 11.24
EV/EBITDA N/A
FSBC Per share dataFSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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 17.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)2.26
EPS Next 2Y17.87%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. FSBC Dividend Analysis

5.1 Amount

  • FSBC has a Yearly Dividend Yield of 2.31%.
  • FSBC's Dividend Yield is slightly below the industry average, which is at 2.87.
  • FSBC's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.31%

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
FSBC Yearly Dividends per shareFSBC Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

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 2Y17.87%
EPS Next 3YN/A
FSBC Yearly Income VS Free CF VS DividendFSBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
FSBC Dividend Payout.FSBC Dividend Payout, showing the Payout Ratio.FSBC Dividend Payout.PayoutRetained Earnings

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FSBC Fundamentals: All Metrics, Ratios and Statistics

FIVE STAR BANCORP

NASDAQ:FSBC (3/13/2026, 8:00:00 PM)

After market: 36.48 0 (0%)

36.48

-0.3 (-0.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners58.77%
Inst Owner Change-14.73%
Ins Owners22.45%
Ins Owner Change0.15%
Market Cap779.94M
Revenue(TTM)158.44M
Net Income(TTM)57.28M
Analysts78
Price Target42.84 (17.43%)
Short Float %2.32%
Short Ratio5.01
Dividend
Industry RankSector Rank
Dividend Yield 2.31%
Yearly Dividend0.84
Dividend Growth(5Y)N/A
DP29.81%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-02
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)0%
PT rev (3m)3.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)2.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.75%
Revenue NY rev (3m)1.92%
Valuation
Industry RankSector Rank
PE 12.58
Fwd PE 10.41
P/S 5.2
P/FCF 11.24
P/OCF 11.13
P/B 1.81
P/tB 1.81
EV/EBITDA N/A
EPS(TTM)2.9
EY7.95%
EPS(NY)3.5
Fwd EY9.6%
FCF(TTM)3.25
FCFY8.9%
OCF(TTM)3.28
OCFY8.98%
SpS7.02
BVpS20.17
TBVpS20.17
PEG (NY)0.61
PEG (5Y)2.26
Graham Number36.28
Profitability
Industry RankSector 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)1.25%
ROA(5y)1.36%
ROE(3y)14.01%
ROE(5y)15.56%
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-1.44%
PM growth 5Y-4.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.07
Debt/EBITDA N/A
Cap/Depr N/A
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
WACC14.01%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.19%
EPS 3Y3.57%
EPS 5Y5.55%
EPS Q2Q%31.75%
EPS Next Y20.78%
EPS Next 2Y17.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.58%
Revenue growth 3Y12.83%
Revenue growth 5Y16.29%
Sales Q2Q%20.76%
Revenue Next Year20.05%
Revenue Next 2Y16.14%
Revenue Next 3YN/A
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 1Y120.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y117.84%
OCF growth 3YN/A
OCF growth 5YN/A

FIVE STAR BANCORP / FSBC Fundamental Analysis FAQ

What is the fundamental rating for FSBC stock?

ChartMill assigns a fundamental rating of 5 / 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 20.78% 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%.