FIVE STAR BANCORP (FSBC) Stock Fundamental Analysis
USA - NASDAQ:FSBC - US33830T1034 - Common Stock
33.32 USD
+0.1 (+0.3%)
33.32 USD
0 (0%)
FSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. FSBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
FSBC had positive earnings in each of the past 5 years.
In the past 5 years FSBC always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 1.23%, FSBC is doing good in the industry, outperforming 79.38% of the companies in the same industry.
FSBC has a Return On Equity of 13.28%. This is amongst the best in the industry. FSBC outperforms 88.92% of its industry peers.
| 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
FSBC has a Profit Margin of 38.15%. This is amongst the best in the industry. FSBC outperforms 94.33% of its industry peers.
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.
FSBC has more shares outstanding than it did 1 year ago.
The number of shares outstanding for FSBC has been increased compared to 5 years ago.
FSBC has a better debt/assets ratio than last year.
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.
FSBC has a Debt to FCF ratio of 1.07. This is in the better half of the industry: FSBC outperforms 65.21% of its industry peers.
A Debt/Equity ratio of 0.17 indicates that FSBC is not too dependend on debt financing.
FSBC has a Debt to Equity ratio (0.17) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.07 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.28%
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.
FSBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.66% yearly.
FSBC shows a strong growth in Revenue. In the last year, 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
FSBC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 19.57% yearly.
FSBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.75% yearly.
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
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 12.34, 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 (25.51), we can say FSBC is valued rather cheaply.
FSBC is valuated reasonably with a Price/Forward Earnings ratio of 9.73.
FSBC's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 34.98. FSBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.34 | ||
| Fwd PE | 9.73 |
4.2 Price Multiples
FSBC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.26 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
FSBC's 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 19.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)2.65
EPS Next 2Y22.54%
EPS Next 3Y19.57%
5. Dividend
5.1 Amount
FSBC has a Yearly Dividend Yield of 2.31%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.39, FSBC is paying slightly less dividend.
FSBC's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| Industry Rank | Sector 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
5.3 Sustainability
FSBC pays out 29.81% of its income as dividend. This is a sustainable payout ratio.
DP29.81%
EPS Next 2Y22.54%
EPS Next 3Y19.57%
33.32
+0.1 (+0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.1%
Inst Owner Change0.17%
Ins Owners22.44%
Ins Owner Change-0.19%
Market Cap712.05M
Revenue(TTM)150.13M
Net Income(TTM)57.28M
Analysts83.64
Price Target36.72 (10.2%)
Short Float %1.17%
Short Ratio3.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.31% |
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)2.13%
PT rev (3m)2.13%
EPS NQ rev (1m)3.06%
EPS NQ rev (3m)3.09%
EPS NY rev (1m)3.08%
EPS NY rev (3m)6.13%
Revenue NQ rev (1m)3.19%
Revenue NQ rev (3m)2.29%
Revenue NY rev (1m)1.91%
Revenue NY rev (3m)0.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.34 | ||
| Fwd PE | 9.73 | ||
| P/S | 4.74 | ||
| P/FCF | 10.26 | ||
| P/OCF | 10.17 | ||
| P/B | 1.65 | ||
| P/tB | 1.65 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.7
EY8.1%
EPS(NY)3.42
Fwd EY10.28%
FCF(TTM)3.25
FCFY9.74%
OCF(TTM)3.28
OCFY9.84%
SpS7.03
BVpS20.18
TBVpS20.18
PEG (NY)0.47
PEG (5Y)2.65
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
WACC14.28%
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 12.34 and the Price/Book (PB) ratio is 1.65.
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%.