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FIVE STAR BANCORP (FSBC) Stock Fundamental Analysis

NASDAQ:FSBC - Nasdaq - US33830T1034 - Common Stock - Currency: USD

29.5  +0.96 (+3.36%)

After market: 29.5 0 (0%)

Fundamental Rating

4

FSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. FSBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. FSBC has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year FSBC was profitable.
In the past year FSBC had a positive cash flow from operations.
In the past 5 years FSBC has always been profitable.
Each year in the past 5 years FSBC had a positive operating cash flow.
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 10M 20M 30M 40M 50M

1.2 Ratios

FSBC has a Return On Assets of 1.13%. This is in the better half of the industry: FSBC outperforms 75.95% of its industry peers.
Looking at the Return On Equity, with a value of 11.85%, FSBC belongs to the top of the industry, outperforming 81.52% of the companies in the same industry.
Industry RankSector Rank
ROA 1.13%
ROE 11.85%
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
FSBC Yearly ROA, ROE, ROICFSBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

The Profit Margin of FSBC (36.22%) is better than 93.42% 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 RankSector Rank
OM N/A
PM (TTM) 36.22%
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
FSBC Yearly Profit, Operating, Gross MarginsFSBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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3

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.
FSBC Yearly Shares OutstandingFSBC Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 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 1B 2B 3B 4B

2.2 Solvency

FSBC has a debt to FCF ratio of 1.11. This is a very positive value and a sign of high solvency as it would only need 1.11 years to pay back of all of its debts.
FSBC has a better Debt to FCF ratio (1.11) than 70.13% of its industry peers.
FSBC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of FSBC (0.18) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.11
Altman-Z N/A
ROIC/WACCN/A
WACC15.32%
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 100M 200M 300M

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 10M 20M 30M

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6

3. Growth

3.1 Past

FSBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.31%.
The Earnings Per Share has been growing slightly by 4.66% on average over the past years.
The Revenue has grown by 14.15% in the past year. This is quite good.
FSBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.66% yearly.
EPS 1Y (TTM)-13.31%
EPS 3Y-7.22%
EPS 5Y4.66%
EPS Q2Q%0%
Revenue 1Y (TTM)14.15%
Revenue growth 3Y14.12%
Revenue growth 5Y16.66%
Sales Q2Q%27.05%

3.2 Future

The Earnings Per Share is expected to grow by 18.50% on average over the next years. This is quite good.
FSBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.31% yearly.
EPS Next Y18.9%
EPS Next 2Y18.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.56%
Revenue Next 2Y18.31%
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.
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 50M 100M 150M
FSBC Yearly EPS VS EstimatesFSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 1 2 3

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.94, FSBC is valued correctly.
FSBC's Price/Earnings is on the same level as the industry average.
FSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
FSBC is valuated reasonably with a Price/Forward Earnings ratio of 9.21.
Based on the Price/Forward Earnings ratio, FSBC is valued a bit cheaper than the industry average as 65.57% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of FSBC to the average of the S&P500 Index (21.70), we can say FSBC is valued rather cheaply.
Industry RankSector Rank
PE 12.94
Fwd PE 9.21
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

Based on the Price/Free Cash Flow ratio, FSBC is valued a bit cheaper than the industry average as 67.85% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.49
EV/EBITDA N/A
FSBC Per share dataFSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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 18.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.68
PEG (5Y)2.78
EPS Next 2Y18.5%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

FSBC has a Yearly Dividend Yield of 2.83%.
FSBC's Dividend Yield is comparable with the industry average which is at 3.47.
Compared to an average S&P500 Dividend Yield of 2.42, FSBC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.83%

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 0.2 0.4 0.6

5.3 Sustainability

FSBC pays out 35.43% of its income as dividend. This is a sustainable payout ratio.
DP35.43%
EPS Next 2Y18.5%
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 10M 20M 30M 40M 50M
FSBC Dividend Payout.FSBC Dividend Payout, showing the Payout Ratio.FSBC Dividend Payout.PayoutRetained Earnings

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FIVE STAR BANCORP

NASDAQ:FSBC (7/1/2025, 4:04:07 PM)

After market: 29.5 0 (0%)

29.5

+0.96 (+3.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners56.55%
Inst Owner Change-0.13%
Ins Owners22.46%
Ins Owner Change1.77%
Market Cap630.12M
Analysts82
Price Target33.92 (14.98%)
Short Float %1.18%
Short Ratio3.41
Dividend
Industry RankSector Rank
Dividend Yield 2.83%
Yearly Dividend0.84
Dividend Growth(5Y)N/A
DP35.43%
Div Incr Years3
Div Non Decr Years3
Ex-Date05-05 2025-05-05 (0.2)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.67%
Min EPS beat(2)3.02%
Max EPS beat(2)8.31%
EPS beat(4)3
Avg EPS beat(4)2.51%
Min EPS beat(4)-3.32%
Max EPS beat(4)8.31%
EPS beat(8)7
Avg EPS beat(8)5.51%
EPS beat(12)11
Avg EPS beat(12)5.63%
EPS beat(16)15
Avg EPS beat(16)10.07%
Revenue beat(2)1
Avg Revenue beat(2)0.47%
Min Revenue beat(2)-2.6%
Max Revenue beat(2)3.54%
Revenue beat(4)1
Avg Revenue beat(4)-0.72%
Min Revenue beat(4)-3.32%
Max Revenue beat(4)3.54%
Revenue beat(8)2
Avg Revenue beat(8)-1.9%
Revenue beat(12)6
Avg Revenue beat(12)1.15%
Revenue beat(16)10
Avg Revenue beat(16)2.11%
PT rev (1m)0%
PT rev (3m)-7.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.31%
EPS NY rev (1m)0%
EPS NY rev (3m)1.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.17%
Revenue NY rev (1m)-0.87%
Revenue NY rev (3m)0.83%
Valuation
Industry RankSector Rank
PE 12.94
Fwd PE 9.21
P/S 4.74
P/FCF 9.49
P/OCF 9.4
P/B 1.55
P/tB 1.55
EV/EBITDA N/A
EPS(TTM)2.28
EY7.73%
EPS(NY)3.2
Fwd EY10.85%
FCF(TTM)3.11
FCFY10.54%
OCF(TTM)3.14
OCFY10.63%
SpS6.22
BVpS19.03
TBVpS19.03
PEG (NY)0.68
PEG (5Y)2.78
Profitability
Industry RankSector Rank
ROA 1.13%
ROE 11.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.22%
GM N/A
FCFM 49.95%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.11
Debt/EBITDA N/A
Cap/Depr 33.23%
Cap/Sales 0.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 137.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.32%
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)-13.31%
EPS 3Y-7.22%
EPS 5Y4.66%
EPS Q2Q%0%
EPS Next Y18.9%
EPS Next 2Y18.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.15%
Revenue growth 3Y14.12%
Revenue growth 5Y16.66%
Sales Q2Q%27.05%
Revenue Next Year21.56%
Revenue Next 2Y18.31%
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 1Y55.56%
FCF growth 3Y22.34%
FCF growth 5Y12.49%
OCF growth 1Y55.19%
OCF growth 3Y21.8%
OCF growth 5Y12.37%