FIVE STAR BANCORP (FSBC) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:FSBC • US33830T1034

40.61 USD
+0.47 (+1.17%)
At close: Feb 3, 2026
40.61 USD
0 (0%)
After Hours: 2/3/2026, 8:19:28 PM
Fundamental Rating

4

FSBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 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 growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year FSBC was profitable.
  • FSBC had a positive operating cash flow in the past year.
  • In the past 5 years FSBC has always been profitable.
  • FSBC had a positive operating cash flow in 4 of the past 5 years.
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 2025 20M 40M 60M

1.2 Ratios

  • FSBC has a better Return On Assets (1.23%) than 79.11% of its industry peers.
  • 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 RankSector Rank
ROA 1.23%
ROE 13.28%
ROIC N/A
ROA(3y)1.25%
ROA(5y)1.36%
ROE(3y)14.01%
ROE(5y)15.56%
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 2025 5 10 15 20 25

1.3 Margins

  • FSBC's Profit Margin of 38.15% is amongst the best of the industry. FSBC outperforms 93.99% 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) 38.15%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.44%
PM growth 5Y-4.2%
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 2025 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.
  • FSBC has more shares outstanding than it did 1 year ago.
  • FSBC has more shares outstanding than it did 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 2025 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 2025 1B 2B 3B 4B

2.2 Solvency

  • FSBC has a debt to FCF ratio of 1.07. This is a very positive value and a sign of high solvency as it would only need 1.07 years to pay back of 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 64.23% of the companies in the same industry.
  • A Debt/Equity ratio of 0.17 indicates that FSBC is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.17, FSBC is in line with its industry, outperforming 49.61% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.07
Altman-Z N/A
ROIC/WACCN/A
WACC13.58%
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 2025 100M 200M 300M 400M

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 2025 10M 20M 30M

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7

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 27.19% over the past year.
  • FSBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.55% yearly.
  • The Revenue has grown by 25.58% in the past year. This is a very strong growth!
  • Measured over the past years, FSBC shows a quite strong growth in Revenue. The Revenue has been growing by 16.29% on average per year.
EPS 1Y (TTM)27.19%
EPS 3Y3.57%
EPS 5Y5.55%
EPS Q2Q%31.75%
Revenue 1Y (TTM)25.58%
Revenue growth 3Y12.83%
Revenue growth 5Y16.29%
Sales Q2Q%23.73%

3.2 Future

  • The Earnings Per Share is expected to grow by 17.87% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 16.55% on average over the next years. This is quite good.
EPS Next Y20.78%
EPS Next 2Y17.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.96%
Revenue Next 2Y16.55%
Revenue Next 3YN/A
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
FSBC Yearly Revenue VS EstimatesFSBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
FSBC Yearly EPS VS EstimatesFSBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 14.00, which indicates a correct valuation of FSBC.
  • 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 (28.18), we can say FSBC is valued rather cheaply.
  • A Price/Forward Earnings ratio of 11.59 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.
  • The average S&P500 Price/Forward Earnings ratio is at 25.51. FSBC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14
Fwd PE 11.59
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as FSBC.
Industry RankSector Rank
P/FCF 12.51
EV/EBITDA N/A
FSBC Per share dataFSBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • FSBC's 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 17.87% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.67
PEG (5Y)2.52
EPS Next 2Y17.87%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

  • FSBC has a Yearly Dividend Yield of 2.12%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.64, FSBC is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.83, FSBC has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.12%

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 2026 0.2 0.4 0.6

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 2Y17.87%
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 2025 20M 40M 60M
FSBC Dividend Payout.FSBC Dividend Payout, showing the Payout Ratio.FSBC Dividend Payout.PayoutRetained Earnings

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FIVE STAR BANCORP

NASDAQ:FSBC (2/3/2026, 8:19:28 PM)

After market: 40.61 0 (0%)

40.61

+0.47 (+1.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-26
Earnings (Next)04-27
Inst Owners57.06%
Inst Owner Change0.4%
Ins Owners22.44%
Ins Owner Change-0.16%
Market Cap867.84M
Revenue(TTM)158.44M
Net Income(TTM)57.28M
Analysts83.64
Price Target42.84 (5.49%)
Short Float %2.05%
Short Ratio4.73
Dividend
Industry RankSector Rank
Dividend Yield 2.12%
Yearly Dividend0.84
Dividend Growth(5Y)N/A
DP29.81%
Div Incr Years3
Div Non Decr Years3
Ex-Date02-02
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)12.22%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.86%
EPS NY rev (1m)0%
EPS NY rev (3m)3.62%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.07%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.03%
Valuation
Industry RankSector Rank
PE 14
Fwd PE 11.59
P/S 5.78
P/FCF 12.51
P/OCF 12.39
P/B 2.01
P/tB 2.01
EV/EBITDA N/A
EPS(TTM)2.9
EY7.14%
EPS(NY)3.5
Fwd EY8.63%
FCF(TTM)3.25
FCFY8%
OCF(TTM)3.28
OCFY8.07%
SpS7.03
BVpS20.18
TBVpS20.18
PEG (NY)0.67
PEG (5Y)2.52
Graham Number36.29
Profitability
Industry RankSector 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)1.25%
ROA(5y)1.36%
ROE(3y)14.01%
ROE(5y)15.56%
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-1.44%
PM growth 5Y-4.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.07
Debt/EBITDA N/A
Cap/Depr N/A
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
WACC13.58%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)27.19%
EPS 3Y3.57%
EPS 5Y5.55%
EPS Q2Q%31.75%
EPS Next Y20.78%
EPS Next 2Y17.87%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.58%
Revenue growth 3Y12.83%
Revenue growth 5Y16.29%
Sales Q2Q%23.73%
Revenue Next Year20.96%
Revenue Next 2Y16.55%
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 1Y120.61%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y117.84%
OCF growth 3YN/A
OCF growth 5YN/A

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 20.78% 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%.