FIVE STAR BANCORP (FSBC) Stock Fundamental Analysis
USA - NASDAQ:FSBC - US33830T1034 - Common Stock
34.41 USD
-0.29 (-0.84%)
Taking everything into account, FSBC scores 4 out of 10 in our fundamental rating. FSBC was compared to 388 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 overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year FSBC was profitable.
FSBC had a positive operating cash flow in the past year.
Each year in the past 5 years FSBC has been profitable.
FSBC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 1.18%, FSBC is doing good in the industry, outperforming 76.29% of the companies in the same industry.
The Return On Equity of FSBC (12.45%) is better than 83.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 12.45% | ||
| 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
1.3 Margins
The Profit Margin of FSBC (36.90%) is better than 93.30% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 36.9% | ||
| 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
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
FSBC has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of FSBC is 1.09, which is an excellent value as it means it would take FSBC, only 1.09 years of fcf income to pay off all of its debts.
FSBC has a Debt to FCF ratio of 1.09. This is in the better half of the industry: FSBC outperforms 66.24% 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.
FSBC has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.09 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.06%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 18.42% over the past year.
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.
The Revenue has grown by 25.50% in the past year. This is a very strong growth!
The Revenue has been growing by 16.66% on average over the past years. This is quite good.
EPS 1Y (TTM)18.42%
EPS 3Y-7.22%
EPS 5Y4.66%
EPS Q2Q%48.08%
Revenue 1Y (TTM)25.5%
Revenue growth 3Y14.12%
Revenue growth 5Y16.66%
Sales Q2Q%29.49%
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 19.57% yearly.
FSBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.75% yearly.
EPS Next Y26.53%
EPS Next 2Y22.54%
EPS Next 3Y19.57%
EPS Next 5YN/A
Revenue Next Year29.76%
Revenue Next 2Y23.63%
Revenue Next 3Y19.75%
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
With a Price/Earnings ratio of 12.74, FSBC is valued correctly.
Compared to the rest of the industry, the Price/Earnings ratio of FSBC is on the same level as its industry peers.
When comparing the Price/Earnings ratio of FSBC to the average of the S&P500 Index (25.91), we can say FSBC is valued rather cheaply.
A Price/Forward Earnings ratio of 10.05 indicates a reasonable valuation of FSBC.
FSBC's Price/Forward Earnings is on the same level as the industry average.
FSBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.74 | ||
| Fwd PE | 10.05 |
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 | 10.8 | ||
| 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 19.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)2.74
EPS Next 2Y22.54%
EPS Next 3Y19.57%
5. Dividend
5.1 Amount
FSBC has a Yearly Dividend Yield of 2.33%.
Compared to an average industry Dividend Yield of 3.38, FSBC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.36, FSBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
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
32.90% of the earnings are spent on dividend by FSBC. This is a low number and sustainable payout ratio.
DP32.9%
EPS Next 2Y22.54%
EPS Next 3Y19.57%
NASDAQ:FSBC (11/14/2025, 9:56:29 AM)
34.41
-0.29 (-0.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.1%
Inst Owner Change0.37%
Ins Owners22.44%
Ins Owner Change-0.12%
Market Cap735.34M
Revenue(TTM)150.13M
Net Income(TTM)51.88M
Analysts83.64
Price Target36.72 (6.71%)
Short Float %1.07%
Short Ratio3.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.33% |
Yearly Dividend0.84
Dividend Growth(5Y)N/A
DP32.9%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.96%
Min EPS beat(2)3.02%
Max EPS beat(2)4.9%
EPS beat(4)3
Avg EPS beat(4)3.23%
Min EPS beat(4)-3.32%
Max EPS beat(4)8.31%
EPS beat(8)7
Avg EPS beat(8)4.81%
EPS beat(12)11
Avg EPS beat(12)5.59%
EPS beat(16)15
Avg EPS beat(16)8.5%
Revenue beat(2)0
Avg Revenue beat(2)-1.85%
Min Revenue beat(2)-2.6%
Max Revenue beat(2)-1.1%
Revenue beat(4)1
Avg Revenue beat(4)-0.87%
Min Revenue beat(4)-3.32%
Max Revenue beat(4)3.54%
Revenue beat(8)2
Avg Revenue beat(8)-1.41%
Revenue beat(12)5
Avg Revenue beat(12)0.07%
Revenue beat(16)9
Avg Revenue beat(16)1.89%
PT rev (1m)2.13%
PT rev (3m)8.27%
EPS NQ rev (1m)-0.27%
EPS NQ rev (3m)-0.27%
EPS NY rev (1m)3.08%
EPS NY rev (3m)6.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.89%
Revenue NY rev (1m)1.91%
Revenue NY rev (3m)0.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.74 | ||
| Fwd PE | 10.05 | ||
| P/S | 5.23 | ||
| P/FCF | 10.8 | ||
| P/OCF | 10.69 | ||
| P/B | 1.76 | ||
| P/tB | 1.76 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.7
EY7.85%
EPS(NY)3.42
Fwd EY9.95%
FCF(TTM)3.19
FCFY9.26%
OCF(TTM)3.22
OCFY9.35%
SpS6.58
BVpS19.5
TBVpS19.5
PEG (NY)0.48
PEG (5Y)2.74
Graham Number34.42
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 12.45% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 36.9% | ||
| GM | N/A | ||
| FCFM | 48.45% |
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
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-10.17%
PM growth 5Y-6.32%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.09 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 35.77% | ||
| Cap/Sales | 0.47% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 131.31% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC14.06%
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)18.42%
EPS 3Y-7.22%
EPS 5Y4.66%
EPS Q2Q%48.08%
EPS Next Y26.53%
EPS Next 2Y22.54%
EPS Next 3Y19.57%
EPS Next 5YN/A
Revenue 1Y (TTM)25.5%
Revenue growth 3Y14.12%
Revenue growth 5Y16.66%
Sales Q2Q%29.49%
Revenue Next Year29.76%
Revenue Next 2Y23.63%
Revenue Next 3Y19.75%
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 1Y13.98%
FCF growth 3Y22.34%
FCF growth 5Y12.49%
OCF growth 1Y14.11%
OCF growth 3Y21.8%
OCF growth 5Y12.37%
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 for 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 are the PE and PB ratios of FIVE STAR BANCORP (FSBC) stock?
The Price/Earnings (PE) ratio for FIVE STAR BANCORP (FSBC) is 12.74 and the Price/Book (PB) ratio is 1.76.
Is the dividend of FIVE STAR BANCORP sustainable?
The dividend rating of FIVE STAR BANCORP (FSBC) is 3 / 10 and the dividend payout ratio is 32.9%.