40.22 USD
-0.24 (-0.59%)
At close: Feb 11, 2026
40.22 USD
0 (0%)
After Hours: 2/11/2026, 8:26:04 PM
Taking everything into account, FSBC scores 4 out of 10 in our fundamental rating. FSBC was compared to 381 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 not priced too expensively while it is growing strongly. Keep and eye on this one!
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.
- Of the past 5 years FSBC 4 years had a positive operating cash flow.
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 78.48% of the companies in the same industry.
- FSBC's Return On Equity of 13.28% is amongst the best of the industry. FSBC outperforms 88.19% 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 93.96% 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
- FSBC has more shares outstanding than it did 5 years ago.
- FSBC has a better debt/assets ratio than last year.
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.
- FSBC has a better Debt to FCF ratio (1.07) than 64.04% 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.
- The Debt to Equity ratio of FSBC (0.17) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.07 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.51%
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.
- The Revenue has grown by 25.58% in the past year. This is a very strong growth!
- FSBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.29% yearly.
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
- 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 16.55% on average per year.
EPS Next Y20.78%
EPS Next 2Y17.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.96%
Revenue Next 2Y16.55%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 13.87, 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 (28.18), we can say FSBC is valued rather cheaply.
- With a Price/Forward Earnings ratio of 11.48, the valuation of FSBC can be described as very reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as FSBC.
- FSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.01.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.87 | ||
| Fwd PE | 11.48 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of FSBC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.39 | ||
| 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.
- FSBC's earnings are expected to grow with 17.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.67
PEG (5Y)2.5
EPS Next 2Y17.87%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.07%, FSBC has a reasonable but not impressive dividend return.
- FSBC's Dividend Yield is slightly below the industry average, which is at 2.53.
- FSBC's Dividend Yield is comparable with the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
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 2Y17.87%
EPS Next 3YN/A
40.22
-0.24 (-0.59%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26 2026-01-26/amc
Earnings (Next)04-27 2026-04-27
Inst Owners57.06%
Inst Owner Change0.36%
Ins Owners22.44%
Ins Owner Change0.06%
Market Cap859.50M
Revenue(TTM)158.44M
Net Income(TTM)57.28M
Analysts83.64
Price Target42.84 (6.51%)
Short Float %2.05%
Short Ratio4.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
Yearly Dividend0.84
Dividend Growth(5Y)N/A
DP29.81%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-02 2026-02-02 (0.25)
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)3.96%
PT rev (3m)16.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.86%
EPS NY rev (1m)2.31%
EPS NY rev (3m)6.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.07%
Revenue NY rev (1m)2.69%
Revenue NY rev (3m)6.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.87 | ||
| Fwd PE | 11.48 | ||
| P/S | 5.73 | ||
| P/FCF | 12.39 | ||
| P/OCF | 12.27 | ||
| P/B | 1.99 | ||
| P/tB | 1.99 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.9
EY7.21%
EPS(NY)3.5
Fwd EY8.71%
FCF(TTM)3.25
FCFY8.07%
OCF(TTM)3.28
OCFY8.15%
SpS7.03
BVpS20.18
TBVpS20.18
PEG (NY)0.67
PEG (5Y)2.5
Graham Number36.29
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)1.25%
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 Rank | Sector 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
WACC13.51%
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%23.73%
Revenue Next Year20.96%
Revenue Next 2Y16.55%
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 FAQ
What is the fundamental rating for FSBC stock?
ChartMill assigns a fundamental rating of 4 / 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 3 / 10 and the dividend payout ratio is 29.81%.