FIVE STAR BANCORP (FSBC) Fundamental Analysis & Valuation

NASDAQ:FSBC • US33830T1034

Current stock price

37.11 USD
-0.24 (-0.64%)
At close:
37.11 USD
0 (0%)
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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

  • 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.
  • In the past 5 years FSBC always reported a positive cash flow from operatings.
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 1.30%, FSBC is in the better half of the industry, outperforming 79.47% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 13.82%, FSBC belongs to the top of the industry, outperforming 90.26% of the companies in the same industry.
Industry RankSector Rank
ROA 1.3%
ROE 13.82%
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 has a Profit Margin of 38.88%. This is amongst the best in the industry. FSBC outperforms 94.47% of its industry peers.
  • In the last couple of years the Profit Margin of FSBC has declined.
  • 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) 38.88%
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.
  • The number of shares outstanding for FSBC has been increased compared to 1 year ago.
  • FSBC has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for FSBC has been reduced compared to a year ago.
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 1.04. This is a very positive value and a sign of high solvency as it would only need 1.04 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.04, FSBC is in the better half of the industry, outperforming 68.68% of the companies in the same industry.
  • FSBC has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
  • FSBC's Debt to Equity ratio of 0.17 is in line compared to the rest of the industry. FSBC outperforms 52.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.04
Altman-Z N/A
ROIC/WACCN/A
WACC16.41%
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

  • The Earnings Per Share has grown by an impressive 27.19% over the past year.
  • 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%.
  • 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%20.76%

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 17.87% on average per year.
  • The Revenue is expected to grow by 16.55% on average over the next years. This is quite good.
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

  • 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.
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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4

4. FSBC Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.80, FSBC is valued correctly.
  • Based on the Price/Earnings ratio, FSBC is valued a bit more expensive than 60.53% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, FSBC is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 10.59, 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 is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.8
Fwd PE 10.59
FSBC Price Earnings VS Forward Price EarningsFSBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • FSBC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.11
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

  • 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 17.87% in the coming years.
PEG (NY)0.62
PEG (5Y)2.3
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 2.28%. Purely for dividend investing, there may be better candidates out there.
  • FSBC's Dividend Yield is slightly below the industry average, which is at 2.69.
  • FSBC's Dividend Yield is a higher than the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.28%

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

  • 27.73% of the earnings are spent on dividend by FSBC. This is a low number and sustainable payout ratio.
DP27.73%
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 (3/27/2026, 8:20:37 PM)

After market: 37.11 0 (0%)

37.11

-0.24 (-0.64%)

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 Cap793.41M
Revenue(TTM)158.44M
Net Income(TTM)61.61M
Analysts78
Price Target43.45 (17.08%)
Short Float %2.49%
Short Ratio5.09
Dividend
Industry RankSector Rank
Dividend Yield 2.28%
Yearly Dividend0.8
Dividend Growth(5Y)N/A
DP27.73%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-02
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.76%
Min EPS beat(2)6.68%
Max EPS beat(2)6.84%
EPS beat(4)4
Avg EPS beat(4)5.36%
Min EPS beat(4)3.02%
Max EPS beat(4)6.84%
EPS beat(8)7
Avg EPS beat(8)5.28%
EPS beat(12)11
Avg EPS beat(12)5.96%
EPS beat(16)15
Avg EPS beat(16)5.83%
Revenue beat(2)0
Avg Revenue beat(2)-3.32%
Min Revenue beat(2)-3.5%
Max Revenue beat(2)-3.14%
Revenue beat(4)0
Avg Revenue beat(4)-2.59%
Min Revenue beat(4)-3.5%
Max Revenue beat(4)-1.1%
Revenue beat(8)2
Avg Revenue beat(8)-1.2%
Revenue beat(12)3
Avg Revenue beat(12)-1.51%
Revenue beat(16)7
Avg Revenue beat(16)0.49%
PT rev (1m)0%
PT rev (3m)3.96%
EPS NQ rev (1m)0.41%
EPS NQ rev (3m)2.02%
EPS NY rev (1m)0%
EPS NY rev (3m)2.31%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)2.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.69%
Valuation
Industry RankSector Rank
PE 12.8
Fwd PE 10.59
P/S 5.01
P/FCF 11.11
P/OCF 10.93
P/B 1.78
P/tB 1.78
EV/EBITDA N/A
EPS(TTM)2.9
EY7.81%
EPS(NY)3.5
Fwd EY9.44%
FCF(TTM)3.34
FCFY9%
OCF(TTM)3.4
OCFY9.15%
SpS7.41
BVpS20.85
TBVpS20.85
PEG (NY)0.62
PEG (5Y)2.3
Graham Number36.89
Profitability
Industry RankSector Rank
ROA 1.3%
ROE 13.82%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 38.88%
GM N/A
FCFM 45.07%
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 1.04
Debt/EBITDA N/A
Cap/Depr 53.27%
Cap/Sales 0.76%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 115.92%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC16.41%
ROIC/WACCN/A
Cap/Depr(3y)42.41%
Cap/Depr(5y)63.82%
Cap/Sales(3y)0.6%
Cap/Sales(5y)0.62%
Profit Quality(3y)102.7%
Profit Quality(5y)95.11%
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 Year20.96%
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 1Y39.6%
FCF growth 3Y16.21%
FCF growth 5Y7.11%
OCF growth 1Y40.22%
OCF growth 3Y16.45%
OCF growth 5Y7.12%

FIVE STAR BANCORP / FSBC Fundamental Analysis 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 4 / 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 27.73%.