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FIVE STAR BANCORP (FSBC) Stock Fundamental Analysis

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

31.39  -0.34 (-1.07%)

After market: 31.39 0 (0%)

Fundamental Rating

4

Overall FSBC gets a fundamental rating of 4 out of 10. We evaluated FSBC against 405 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 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.
FSBC had a positive operating cash flow in the past year.
FSBC had positive earnings in each of the past 5 years.
FSBC had a positive operating cash flow in 4 of the past 5 years.
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

The Return On Assets of FSBC (1.11%) is better than 75.69% of its industry peers.
FSBC has a Return On Equity of 11.07%. This is in the better half of the industry: FSBC outperforms 78.95% of its industry peers.
Industry RankSector Rank
ROA 1.11%
ROE 11.07%
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

FSBC has a Profit Margin of 36.07%. This is amongst the best in the industry. FSBC outperforms 92.98% of its industry peers.
In the last couple of years the Profit Margin of FSBC has declined.
The Operating Margin and Gross Margin are not available for FSBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 36.07%
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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2

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.
FSBC has more shares outstanding than it did 5 years ago.
FSBC has a better debt/assets ratio than last year.
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 2.35. This is a good value and a sign of high solvency as FSBC would need 2.35 years to pay back of all of its debts.
FSBC has a Debt to FCF ratio (2.35) which is comparable to the rest of the industry.
FSBC has a Debt/Equity ratio of 0.19. This is a healthy value indicating a solid balance between debt and equity.
FSBC's Debt to Equity ratio of 0.19 is in line compared to the rest of the industry. FSBC outperforms 50.88% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 2.35
Altman-Z N/A
ROIC/WACCN/A
WACC11.94%
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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5

3. Growth

3.1 Past

FSBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.99%.
Measured over the past 5 years, FSBC shows a small growth in Earnings Per Share. The EPS has been growing by 4.66% on average per year.
FSBC shows a small growth in Revenue. In the last year, the Revenue has grown by 6.56%.
The Revenue has been growing by 16.66% on average over the past years. This is quite good.
EPS 1Y (TTM)-17.99%
EPS 3Y-7.22%
EPS 5Y4.66%
EPS Q2Q%0%
Revenue 1Y (TTM)6.56%
Revenue growth 3Y14.12%
Revenue growth 5Y16.66%
Sales Q2Q%30.57%

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 17.38% yearly.
FSBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.02% yearly.
EPS Next Y17.21%
EPS Next 2Y17.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.56%
Revenue Next 2Y17.02%
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.
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 50M 100M 150M
FSBC Yearly EPS VS EstimatesFSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.77 indicates a correct valuation of FSBC.
The rest of the industry has a similar Price/Earnings ratio as FSBC.
FSBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.62.
The Price/Forward Earnings ratio is 11.75, which indicates a very decent valuation of FSBC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FSBC is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, FSBC is valued a bit cheaper.
Industry RankSector Rank
PE 13.77
Fwd PE 11.75
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FSBC indicates a slightly more expensive valuation: FSBC is more expensive than 67.92% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 21.28
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.
A more expensive valuation may be justified as FSBC's earnings are expected to grow with 17.38% in the coming years.
PEG (NY)0.8
PEG (5Y)2.95
EPS Next 2Y17.38%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.52%, FSBC has a reasonable but not impressive dividend return.
FSBC's Dividend Yield is comparable with the industry average which is at 3.19.
FSBC's Dividend Yield is comparable with the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 2.52%

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 35.76% of its income as dividend. This is a sustainable payout ratio.
DP35.76%
EPS Next 2Y17.38%
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 (2/21/2025, 8:21:53 PM)

After market: 31.39 0 (0%)

31.39

-0.34 (-1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27 2025-01-27/amc
Earnings (Next)04-28 2025-04-28/amc
Inst Owners55.92%
Inst Owner Change-81.32%
Ins Owners21.44%
Ins Owner Change0.21%
Market Cap669.23M
Analysts82
Price Target36.85 (17.39%)
Short Float %1.08%
Short Ratio4.01
Dividend
Industry RankSector Rank
Dividend Yield 2.52%
Yearly Dividend0.75
Dividend Growth(5Y)N/A
DP35.76%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-03 2025-02-03 (0.2)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.64%
Min EPS beat(2)-3.32%
Max EPS beat(2)2.04%
EPS beat(4)3
Avg EPS beat(4)4.47%
Min EPS beat(4)-3.32%
Max EPS beat(4)13.76%
EPS beat(8)7
Avg EPS beat(8)6.04%
EPS beat(12)11
Avg EPS beat(12)6.94%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-1.91%
Min Revenue beat(2)-3.32%
Max Revenue beat(2)-0.5%
Revenue beat(4)1
Avg Revenue beat(4)-1.93%
Min Revenue beat(4)-4.93%
Max Revenue beat(4)1.02%
Revenue beat(8)3
Avg Revenue beat(8)-0.62%
Revenue beat(12)7
Avg Revenue beat(12)1.67%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-1.7%
PT rev (3m)10.59%
EPS NQ rev (1m)-0.01%
EPS NQ rev (3m)-0.01%
EPS NY rev (1m)1.18%
EPS NY rev (3m)1.45%
Revenue NQ rev (1m)-0.79%
Revenue NQ rev (3m)-0.79%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)-0.66%
Valuation
Industry RankSector Rank
PE 13.77
Fwd PE 11.75
P/S 5.59
P/FCF 21.28
P/OCF 20.81
P/B 1.72
P/tB 1.72
EV/EBITDA N/A
EPS(TTM)2.28
EY7.26%
EPS(NY)2.67
Fwd EY8.51%
FCF(TTM)1.48
FCFY4.7%
OCF(TTM)1.51
OCFY4.8%
SpS5.61
BVpS18.29
TBVpS18.29
PEG (NY)0.8
PEG (5Y)2.95
Profitability
Industry RankSector Rank
ROA 1.11%
ROE 11.07%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.07%
GM N/A
FCFM 26.29%
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-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.19
Debt/FCF 2.35
Debt/EBITDA N/A
Cap/Depr 39.41%
Cap/Sales 0.59%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 72.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC11.94%
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)-17.99%
EPS 3Y-7.22%
EPS 5Y4.66%
EPS Q2Q%0%
EPS Next Y17.21%
EPS Next 2Y17.38%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.56%
Revenue growth 3Y14.12%
Revenue growth 5Y16.66%
Sales Q2Q%30.57%
Revenue Next Year20.56%
Revenue Next 2Y17.02%
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 1Y-46.22%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-45.52%
OCF growth 3YN/A
OCF growth 5YN/A