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FIVE STAR BANCORP (FSBC) Stock Fundamental Analysis

USA - NASDAQ:FSBC - US33830T1034 - Common Stock

33.05 USD
+1.36 (+4.29%)
Last: 10/14/2025, 8:00:00 PM
33.05 USD
0 (0%)
After Hours: 10/14/2025, 8:00:00 PM
Fundamental Rating

5

FSBC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. While FSBC is still in line with the averages on profitability rating, there are concerns on its financial health. FSBC is not overvalued while it is showing excellent growth. This is an interesting combination.


Dividend Valuation Growth Profitability Health

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4

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.
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 10M 20M 30M 40M 50M

1.2 Ratios

FSBC has a better Return On Assets (1.18%) than 76.73% of its industry peers.
FSBC's Return On Equity of 12.45% is amongst the best of the industry. FSBC outperforms 84.65% of its industry peers.
Industry RankSector 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
FSBC Yearly ROA, ROE, ROICFSBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

The Profit Margin of FSBC (36.90%) is better than 93.35% 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) 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
FSBC Yearly Profit, Operating, Gross MarginsFSBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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3

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.
FSBC Yearly Shares OutstandingFSBC Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 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 1B 2B 3B 4B

2.2 Solvency

The Debt to FCF ratio of FSBC is 1.09, which is an excellent value as it means it would take FSBC, only 1.09 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 1.09, FSBC is doing good in the industry, outperforming 66.75% of the companies in the same industry.
FSBC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
FSBC has a Debt to Equity ratio (0.18) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.09
Altman-Z N/A
ROIC/WACCN/A
WACC14.26%
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 100M 200M 300M

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 10M 20M 30M

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8

3. Growth

3.1 Past

FSBC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.08%.
FSBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.66% yearly.
Looking at the last year, FSBC shows a very strong growth in Revenue. The Revenue has grown by 20.45%.
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)2.08%
EPS 3Y-7.22%
EPS 5Y4.66%
EPS Q2Q%33.33%
Revenue 1Y (TTM)20.45%
Revenue growth 3Y14.12%
Revenue growth 5Y16.66%
Sales Q2Q%25.52%

3.2 Future

Based on estimates for the next years, FSBC will show a very strong growth in Earnings Per Share. The EPS will grow by 20.30% on average per year.
Based on estimates for the next years, FSBC will show a very strong growth in Revenue. The Revenue will grow by 21.31% on average per year.
EPS Next Y22.76%
EPS Next 2Y20.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year27.33%
Revenue Next 2Y21.31%
Revenue Next 3YN/A
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 accelerating.
FSBC Yearly Revenue VS EstimatesFSBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
FSBC Yearly EPS VS EstimatesFSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 1 2 3

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.49, which indicates a correct valuation of FSBC.
The rest of the industry has a similar Price/Earnings ratio as FSBC.
FSBC is valuated cheaply when we compare the Price/Earnings ratio to 27.50, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.02, which indicates a very decent valuation of FSBC.
The rest of the industry has a similar Price/Forward Earnings ratio as FSBC.
FSBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.99.
Industry RankSector Rank
PE 13.49
Fwd PE 10.02
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

65.98% of the companies in the same industry are more expensive than FSBC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 10.37
EV/EBITDA N/A
FSBC Per share dataFSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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 20.30% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.59
PEG (5Y)2.9
EPS Next 2Y20.3%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

FSBC has a Yearly Dividend Yield of 2.56%. Purely for dividend investing, there may be better candidates out there.
FSBC's Dividend Yield is slightly below the industry average, which is at 3.60.
Compared to an average S&P500 Dividend Yield of 2.44, FSBC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.56%

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 0.2 0.4 0.6

5.3 Sustainability

FSBC pays out 32.90% of its income as dividend. This is a sustainable payout ratio.
DP32.9%
EPS Next 2Y20.3%
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 10M 20M 30M 40M 50M
FSBC Dividend Payout.FSBC Dividend Payout, showing the Payout Ratio.FSBC Dividend Payout.PayoutRetained Earnings

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FIVE STAR BANCORP

NASDAQ:FSBC (10/14/2025, 8:00:00 PM)

After market: 33.05 0 (0%)

33.05

+1.36 (+4.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-23 2025-07-23/amc
Earnings (Next)10-27 2025-10-27/amc
Inst Owners57.1%
Inst Owner Change0%
Ins Owners22.44%
Ins Owner Change1.44%
Market Cap706.28M
Analysts82
Price Target35.96 (8.8%)
Short Float %0.96%
Short Ratio4.13
Dividend
Industry RankSector Rank
Dividend Yield 2.56%
Yearly Dividend0.84
Dividend Growth(5Y)N/A
DP32.9%
Div Incr Years3
Div Non Decr Years3
Ex-Date08-04 2025-08-04 (0.2)
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)0%
PT rev (3m)6.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.43%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)3.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.32%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.75%
Valuation
Industry RankSector Rank
PE 13.49
Fwd PE 10.02
P/S 5.02
P/FCF 10.37
P/OCF 10.27
P/B 1.69
P/tB 1.69
EV/EBITDA N/A
EPS(TTM)2.45
EY7.41%
EPS(NY)3.3
Fwd EY9.98%
FCF(TTM)3.19
FCFY9.64%
OCF(TTM)3.22
OCFY9.74%
SpS6.58
BVpS19.5
TBVpS19.5
PEG (NY)0.59
PEG (5Y)2.9
Profitability
Industry RankSector 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
ROICexcg growth 3YN/A
ROICexcg 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 RankSector 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
WACC14.26%
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)2.08%
EPS 3Y-7.22%
EPS 5Y4.66%
EPS Q2Q%33.33%
EPS Next Y22.76%
EPS Next 2Y20.3%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)20.45%
Revenue growth 3Y14.12%
Revenue growth 5Y16.66%
Sales Q2Q%25.52%
Revenue Next Year27.33%
Revenue Next 2Y21.31%
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 1Y13.98%
FCF growth 3Y22.34%
FCF growth 5Y12.49%
OCF growth 1Y14.11%
OCF growth 3Y21.8%
OCF growth 5Y12.37%