36.99 USD
-0.64 (-1.7%)
36.99 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to FSBC. FSBC was compared to 385 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
FSBC had positive earnings in the past year.
FSBC had a positive operating cash flow in the past year.
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
The Return On Assets of FSBC (1.23%) is better than 79.48% of its industry peers.
FSBC has a better Return On Equity (13.28%) than 88.83% 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
FSBC has a Profit Margin of 38.15%. This is amongst the best in the industry. FSBC outperforms 94.29% 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.
The number of shares outstanding for FSBC has been increased compared to 1 year ago.
Compared to 5 years ago, FSBC has more shares outstanding
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 Debt to FCF ratio of 1.07. This is in the better half of the industry: FSBC outperforms 63.38% 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 49.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.07 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.78%
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!
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
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
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 13.70, FSBC is valued correctly.
FSBC's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of FSBC to the average of the S&P500 Index (26.26), we can say FSBC is valued slightly cheaper.
With a Price/Forward Earnings ratio of 10.80, the valuation of FSBC can be described as very reasonable.
FSBC's Price/Forward Earnings ratio is in line with the industry average.
FSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.7 | ||
| Fwd PE | 10.8 |
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 | 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.
A more expensive valuation may be justified as FSBC's earnings are expected to grow with 19.57% in the coming years.
PEG (NY)0.52
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%.
FSBC's Dividend Yield is slightly below the industry average, which is at 2.70.
FSBC's Dividend Yield is comparable with the S&P500 average which is at 1.87.
| 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%
36.99
-0.64 (-1.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.12%
Inst Owner Change0.15%
Ins Owners22.44%
Ins Owner Change-0.12%
Market Cap790.48M
Revenue(TTM)150.13M
Net Income(TTM)57.28M
Analysts83.64
Price Target41.21 (11.41%)
Short Float %1.99%
Short Ratio4.72
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-Date
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)12.22%
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)3.03%
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 | 5.27 | ||
| 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)0.52
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
WACC13.78%
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 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 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 13.7 and the Price/Book (PB) ratio is 1.83.
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 29.81%.