36.98 USD
-0.25 (-0.67%)
36.98 USD
0 (0%)
Overall FSBC gets a fundamental rating of 4 out of 10. We evaluated FSBC against 387 industry peers in the Banks industry. There are concerns on the financial health of FSBC while its profitability can be described as average. FSBC is not priced too expensively while it is growing strongly. Keep and eye on this one!
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.
Each year in the past 5 years FSBC had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 1.23%, FSBC is doing good in the industry, outperforming 79.07% of the companies in the same industry.
The Return On Equity of FSBC (13.28%) is better than 88.63% of its industry peers.
| 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
The Profit Margin of FSBC (38.15%) is better than 94.32% 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 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
The number of shares outstanding for FSBC has been increased compared to 5 years ago.
Compared to 1 year ago, FSBC has an improved debt to assets ratio.
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.
FSBC has a better Debt to FCF ratio (1.07) than 63.82% of its industry peers.
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 49.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.07 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.87%
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.
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.
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
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
The Price/Earnings ratio is 13.70, which indicates a correct valuation of FSBC.
FSBC's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.19. FSBC is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 10.80, 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.
FSBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.88, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.7 | ||
| Fwd PE | 10.8 |
4.2 Price Multiples
FSBC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.39 | ||
| 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)0.51
PEG (5Y)2.94
EPS Next 2Y22.54%
EPS Next 3Y19.57%
5. Dividend
5.1 Amount
FSBC has a Yearly Dividend Yield of 2.15%. Purely for dividend investing, there may be better candidates out there.
FSBC's Dividend Yield is slightly below the industry average, which is at 2.86.
Compared to an average S&P500 Dividend Yield of 1.90, FSBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.15% |
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
FSBC pays out 29.81% of its income as dividend. This is a sustainable payout ratio.
DP29.81%
EPS Next 2Y22.54%
EPS Next 3Y19.57%
36.98
-0.25 (-0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.06%
Inst Owner Change0%
Ins Owners22.44%
Ins Owner Change-0.12%
Market Cap790.26M
Revenue(TTM)150.13M
Net Income(TTM)57.28M
Analysts83.64
Price Target41.21 (11.44%)
Short Float %2.08%
Short Ratio4.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.15% |
Yearly Dividend0.84
Dividend Growth(5Y)N/A
DP29.81%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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)0.07%
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 | 13.7 | ||
| Fwd PE | 10.8 | ||
| P/S | 5.26 | ||
| P/FCF | 11.39 | ||
| P/OCF | 11.28 | ||
| P/B | 1.83 | ||
| P/tB | 1.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.7
EY7.3%
EPS(NY)3.42
Fwd EY9.26%
FCF(TTM)3.25
FCFY8.78%
OCF(TTM)3.28
OCFY8.86%
SpS7.03
BVpS20.18
TBVpS20.18
PEG (NY)0.51
PEG (5Y)2.94
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
WACC13.87%
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%.