FIVE STAR BANCORP (FSBC) Stock Fundamental Analysis

NASDAQ:FSBC • US33830T1034

39.18 USD
+0.25 (+0.64%)
Last: Mar 2, 2026, 08:22 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, FSBC scores 4 out of 10 in our fundamental rating. FSBC was compared to 379 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 overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • FSBC had positive earnings in the past year.
  • In the past year FSBC had a positive cash flow from operations.
  • In the past 5 years FSBC has always been profitable.
  • 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 2025 20M 40M 60M

1.2 Ratios

  • FSBC's Return On Assets of 1.23% is fine compared to the rest of the industry. FSBC outperforms 77.84% of its industry peers.
  • FSBC has a better Return On Equity (13.28%) than 87.86% of its industry peers.
Industry RankSector 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
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

  • The Profit Margin of FSBC (38.15%) is better than 93.67% 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 RankSector 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
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • The number of shares outstanding for FSBC has been increased compared to 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 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 1.07. 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's Debt to FCF ratio of 1.07 is fine compared to the rest of the industry. FSBC outperforms 64.38% 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 RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.07
Altman-Z N/A
ROIC/WACCN/A
WACC13.46%
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. 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.
  • Measured over the past 5 years, FSBC shows a small growth in Earnings Per Share. The EPS has been growing by 5.55% on average per year.
  • Looking at the last year, FSBC shows a very strong growth in Revenue. 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

  • 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 16.14% on average per year.
EPS Next Y20.78%
EPS Next 2Y17.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.05%
Revenue Next 2Y16.14%
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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.51, which indicates a correct valuation of FSBC.
  • Based on the Price/Earnings ratio, FSBC is valued a bit more expensive than 62.01% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.13, FSBC is valued rather cheaply.
  • A Price/Forward Earnings ratio of 11.19 indicates a reasonable 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 28.11, FSBC is valued rather cheaply.
Industry RankSector Rank
PE 13.51
Fwd PE 11.19
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

  • FSBC's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.07
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

  • 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)0.65
PEG (5Y)2.43
EPS Next 2Y17.87%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • FSBC has a Yearly Dividend Yield of 2.13%.
  • FSBC's Dividend Yield is slightly below the industry average, which is at 2.73.
  • FSBC's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.13%

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

  • FSBC pays out 29.81% of its income as dividend. This is a sustainable payout ratio.
DP29.81%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

FIVE STAR BANCORP

NASDAQ:FSBC (3/2/2026, 8:22:41 PM)

39.18

+0.25 (+0.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners57.06%
Inst Owner Change-14.73%
Ins Owners22.44%
Ins Owner Change0.15%
Market Cap837.28M
Revenue(TTM)158.44M
Net Income(TTM)57.28M
Analysts78
Price Target42.84 (9.34%)
Short Float %2.32%
Short Ratio5.01
Dividend
Industry RankSector Rank
Dividend Yield 2.13%
Yearly Dividend0.84
Dividend Growth(5Y)N/A
DP29.81%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-02
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)3.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.31%
EPS NY rev (3m)2.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.92%
Revenue NY rev (3m)1.92%
Valuation
Industry RankSector Rank
PE 13.51
Fwd PE 11.19
P/S 5.58
P/FCF 12.07
P/OCF 11.95
P/B 1.94
P/tB 1.94
EV/EBITDA N/A
EPS(TTM)2.9
EY7.4%
EPS(NY)3.5
Fwd EY8.94%
FCF(TTM)3.25
FCFY8.29%
OCF(TTM)3.28
OCFY8.37%
SpS7.03
BVpS20.18
TBVpS20.18
PEG (NY)0.65
PEG (5Y)2.43
Graham Number36.29
Profitability
Industry RankSector 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 RankSector 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
WACC13.46%
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%20.76%
Revenue Next Year20.05%
Revenue Next 2Y16.14%
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%.