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FIVE STAR BANCORP (FSBC) Stock Fundamental Analysis

USA - NASDAQ:FSBC - US33830T1034 - Common Stock

32.76 USD
-0.29 (-0.88%)
Last: 10/15/2025, 8:00:00 PM
32.76 USD
0 (0%)
After Hours: 10/15/2025, 8:00:00 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to FSBC. FSBC was compared to 391 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 priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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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.
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

With a decent Return On Assets value of 1.18%, FSBC is doing good in the industry, outperforming 76.73% of the companies in the same industry.
FSBC has a Return On Equity of 12.45%. This is amongst the best in 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

FSBC has a Profit Margin of 36.90%. This is amongst the best in the industry. FSBC outperforms 93.35% of its industry peers.
In the last couple of years the Profit Margin of FSBC has declined.
The Operating Margin and Gross Margin are not available for FSBC so they could not be analyzed.
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
Compared to 5 years ago, FSBC has more shares outstanding
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 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.
A Debt/Equity ratio of 0.18 indicates that FSBC is not too dependend on debt financing.
The Debt to Equity ratio of FSBC (0.18) 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
WACC14.28%
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%.
The Earnings Per Share has been growing slightly by 4.66% on average over the past years.
FSBC shows a strong growth in Revenue. In the last year, the Revenue has grown by 20.45%.
The Revenue has been growing by 16.66% on average over the past years. This is quite good.
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

The Earnings Per Share is expected to grow by 20.30% on average over the next years. This is a very strong growth
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

A Price/Earnings ratio of 13.37 indicates a correct valuation of FSBC.
FSBC's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.53. FSBC is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.93, the valuation of FSBC can be described as very reasonable.
FSBC's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.04, FSBC is valued rather cheaply.
Industry RankSector Rank
PE 13.37
Fwd PE 9.93
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

Based on the Price/Free Cash Flow ratio, FSBC is valued a bit cheaper than the industry average as 64.71% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.28
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)2.87
EPS Next 2Y20.3%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

FSBC has a Yearly Dividend Yield of 2.56%.
FSBC's Dividend Yield is comparable with the industry average which is at 3.55.
FSBC's Dividend Yield is comparable with the S&P500 average which is at 2.40.
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

32.90% of the earnings are spent on dividend by FSBC. This is a low number and 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 (10/15/2025, 8:00:00 PM)

After market: 32.76 0 (0%)

32.76

-0.29 (-0.88%)

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 Cap700.08M
Analysts82
Price Target35.96 (9.77%)
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 13.37
Fwd PE 9.93
P/S 4.98
P/FCF 10.28
P/OCF 10.18
P/B 1.68
P/tB 1.68
EV/EBITDA N/A
EPS(TTM)2.45
EY7.48%
EPS(NY)3.3
Fwd EY10.07%
FCF(TTM)3.19
FCFY9.73%
OCF(TTM)3.22
OCFY9.82%
SpS6.58
BVpS19.5
TBVpS19.5
PEG (NY)0.59
PEG (5Y)2.87
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
WACC14.28%
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%