FIVE STAR BANCORP (FSBC) Stock Fundamental Analysis
USA - NASDAQ:FSBC - US33830T1034 - Common Stock
34.33 USD
+0.01 (+0.03%)
FSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. FSBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
FSBC had a positive operating cash flow in the past year.
In the past 5 years FSBC has always been profitable.
In the past 5 years FSBC always reported a positive cash flow from operatings.
1.2 Ratios
FSBC has a Return On Assets of 1.18%. This is in the better half of the industry: FSBC outperforms 76.41% of its industry peers.
Looking at the Return On Equity, with a value of 12.45%, FSBC belongs to the top of the industry, outperforming 83.59% of the companies in the same industry.
| 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
With an excellent Profit Margin value of 36.90%, FSBC belongs to the best of the industry, outperforming 93.33% of the companies in the same industry.
FSBC's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for FSBC so they could not be analyzed.
| 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.
Compared to 1 year ago, FSBC has more shares outstanding
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.
2.2 Solvency
FSBC has a debt to FCF ratio of 1.09. This is a very positive value and a sign of high solvency as it would only need 1.09 years to pay back of all of its debts.
FSBC's Debt to FCF ratio of 1.09 is fine compared to the rest of the industry. FSBC outperforms 66.67% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.09 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.18%
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 18.42%, which is quite good.
The Earnings Per Share has been growing slightly by 4.66% on average over the past years.
FSBC shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.50%.
Measured over the past years, FSBC shows a quite strong growth in Revenue. The Revenue has been growing by 16.66% on average per year.
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
Based on estimates for the next years, FSBC will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.57% on average per year.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
FSBC is valuated correctly with a Price/Earnings ratio of 12.71.
FSBC's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 25.67. FSBC is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 10.03, the valuation of FSBC can be described as very reasonable.
FSBC's Price/Forward Earnings ratio is in line with the industry average.
FSBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 31.86, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.71 | ||
| Fwd PE | 10.03 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as FSBC.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.77 | ||
| 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.
A more expensive valuation may be justified as FSBC's earnings are expected to grow with 19.57% in the coming years.
PEG (NY)0.48
PEG (5Y)2.73
EPS Next 2Y22.54%
EPS Next 3Y19.57%
5. Dividend
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 3.42.
Compared to an average S&P500 Dividend Yield of 2.40, FSBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector 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
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 (11/7/2025, 11:27:07 AM)
34.33
+0.01 (+0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.1%
Inst Owner Change0.5%
Ins Owners22.44%
Ins Owner Change-0.12%
Market Cap733.63M
Revenue(TTM)150.13M
Net Income(TTM)51.88M
Analysts83.64
Price Target36.72 (6.96%)
Short Float %1.07%
Short Ratio3.63
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
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)3.15%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)2.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.32%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)4.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.71 | ||
| Fwd PE | 10.03 | ||
| P/S | 5.22 | ||
| P/FCF | 10.77 | ||
| P/OCF | 10.67 | ||
| P/B | 1.76 | ||
| P/tB | 1.76 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.7
EY7.86%
EPS(NY)3.42
Fwd EY9.97%
FCF(TTM)3.19
FCFY9.28%
OCF(TTM)3.22
OCFY9.37%
SpS6.58
BVpS19.5
TBVpS19.5
PEG (NY)0.48
PEG (5Y)2.73
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
WACC14.18%
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 12.71 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%.