39.64 USD
+2.28 (+6.1%)
39.64 USD
0 (0%)
Overall FSBC gets a fundamental rating of 4 out of 10. We evaluated FSBC against 383 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.
1. Profitability
1.1 Basic Checks
- In the past year FSBC was profitable.
- In the past year FSBC had a positive cash flow from operations.
- Each year in the past 5 years FSBC has been profitable.
- In the past 5 years FSBC always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.23%, FSBC is in the better half of the industry, outperforming 79.11% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 13.28%, FSBC belongs to the top of the industry, outperforming 88.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 13.28% | ||
| 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
- FSBC has a better Profit Margin (38.15%) than 94.26% of its industry peers.
- 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) | 38.15% | ||
| 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.
- FSBC has a better debt/assets ratio than last year.
2.2 Solvency
- The Debt to FCF ratio of FSBC is 1.07, which is an excellent value as it means it would take FSBC, only 1.07 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 1.07, FSBC is in the better half of the industry, outperforming 63.97% of the companies in the same industry.
- A Debt/Equity ratio of 0.17 indicates that FSBC is not too dependend on debt financing.
- FSBC has a Debt to Equity ratio of 0.17. This is comparable to the rest of the industry: FSBC outperforms 49.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.07 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.69%
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.
- FSBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.66% yearly.
- The Revenue has grown by 25.50% in the past year. This is a very strong growth!
- FSBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 16.66% yearly.
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.
- Based on estimates for the next years, FSBC will show a quite strong growth in Revenue. The Revenue will grow by 19.75% on average per year.
EPS Next Y26.62%
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.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 14.68, the valuation of FSBC can be described as correct.
- The rest of the industry has a similar Price/Earnings ratio as FSBC.
- When comparing the Price/Earnings ratio of FSBC to the average of the S&P500 Index (27.32), we can say FSBC is valued slightly cheaper.
- A Price/Forward Earnings ratio of 11.58 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.
- When comparing the Price/Forward Earnings ratio of FSBC to the average of the S&P500 Index (24.30), we can say FSBC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.68 | ||
| Fwd PE | 11.58 |
4.2 Price Multiples
- FSBC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.21 | ||
| 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)0.55
PEG (5Y)3.15
EPS Next 2Y22.54%
EPS Next 3Y19.57%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.11%, FSBC has a reasonable but not impressive dividend return.
- FSBC's Dividend Yield is slightly below the industry average, which is at 2.91.
- FSBC's Dividend Yield is comparable with the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
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
- 29.81% of the earnings are spent on dividend by FSBC. This is a low number and sustainable payout ratio.
DP29.81%
EPS Next 2Y22.54%
EPS Next 3Y19.57%
39.64
+2.28 (+6.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27 2025-10-27/amc
Earnings (Next)01-26 2026-01-26/amc
Inst Owners57.06%
Inst Owner Change0.04%
Ins Owners22.44%
Ins Owner Change-0.16%
Market Cap847.11M
Revenue(TTM)150.13M
Net Income(TTM)57.28M
Analysts83.64
Price Target41.21 (3.96%)
Short Float %1.92%
Short Ratio4.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.11% |
Yearly Dividend0.84
Dividend Growth(5Y)N/A
DP29.81%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-02 2026-02-02 (0.25)
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)0%
PT rev (3m)14.61%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.09%
EPS NY rev (1m)0%
EPS NY rev (3m)3.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.19%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.91%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.68 | ||
| Fwd PE | 11.58 | ||
| P/S | 5.64 | ||
| P/FCF | 12.21 | ||
| P/OCF | 12.09 | ||
| P/B | 1.96 | ||
| P/tB | 1.96 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.7
EY6.81%
EPS(NY)3.42
Fwd EY8.64%
FCF(TTM)3.25
FCFY8.19%
OCF(TTM)3.28
OCFY8.27%
SpS7.03
BVpS20.18
TBVpS20.18
PEG (NY)0.55
PEG (5Y)3.15
Graham Number35.02
Profitability
| Industry Rank | Sector 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)1.28%
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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.07 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 35.43% | ||
| 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
WACC13.69%
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 Y26.62%
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 1Y18.65%
FCF growth 3Y22.34%
FCF growth 5Y12.49%
OCF growth 1Y18.69%
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 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 26.62% 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%.