39.62 USD
+0.13 (+0.33%)
At close: Jan 30, 2026
39.62 USD
0 (0%)
After Hours: 1/30/2026, 8:00:00 PM
We assign a fundamental rating of 5 out of 10 to FSBC. FSBC was compared to 383 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 not overvalued while it is showing excellent growth. This is an interesting combination.
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.
- Each year in the past 5 years FSBC has been profitable.
- 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.
- FSBC has a Return On Equity of 13.28%. This is amongst the best in the industry. FSBC outperforms 88.51% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- FSBC has a better Profit Margin (38.15%) than 94.26% 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-1.44%
PM growth 5Y-4.2%
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.
- Compared to 1 year ago, FSBC has more shares outstanding
- The number of shares outstanding for FSBC has been increased compared to 5 years ago.
- The debt/assets ratio for FSBC has been reduced compared to a year ago.
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's Debt to FCF ratio of 1.07 is fine compared to the rest of the industry. FSBC outperforms 63.97% of its industry peers.
- A Debt/Equity ratio of 0.17 indicates that FSBC is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.17, FSBC is in line with its industry, outperforming 49.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.07 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.65%
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.
- 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%.
- Measured over the past years, FSBC shows a quite strong growth in Revenue. The Revenue has been growing by 16.29% on average per year.
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%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.
- 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
- The Price/Earnings ratio is 13.66, which indicates a correct valuation of FSBC.
- FSBC's Price/Earnings is on the same level as the industry average.
- When comparing the Price/Earnings ratio of FSBC to the average of the S&P500 Index (28.30), we can say FSBC is valued rather cheaply.
- A Price/Forward Earnings ratio of 11.57 indicates a reasonable valuation of FSBC.
- The rest of the industry has a similar Price/Forward Earnings ratio as FSBC.
- When comparing the Price/Forward Earnings ratio of FSBC to the average of the S&P500 Index (25.57), we can say FSBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.66 | ||
| Fwd PE | 11.57 |
4.2 Price Multiples
- FSBC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.2 | ||
| 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.
- A more expensive valuation may be justified as FSBC's earnings are expected to grow with 15.92% in the coming years.
PEG (NY)0.76
PEG (5Y)2.46
EPS Next 2Y15.92%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- FSBC has a Yearly Dividend Yield of 2.21%.
- Compared to an average industry Dividend Yield of 2.70, FSBC is paying slightly less dividend.
- FSBC's Dividend Yield is a higher than the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.21% |
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 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 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 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%.