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FIVE STAR BANCORP (FSBC) Stock Fundamental Analysis

NASDAQ:FSBC - Nasdaq - US33830T1034 - Common Stock - Currency: USD

30.42  +0.66 (+2.22%)

After market: 30.42 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FSBC. FSBC was compared to 395 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 valued too expensively and it also shows a decent growth rate.


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.
Each year in the past 5 years FSBC had a positive operating cash flow.
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

Looking at the Return On Assets, with a value of 1.13%, FSBC is in the better half of the industry, outperforming 75.95% of the companies in the same industry.
FSBC has a better Return On Equity (11.85%) than 81.52% of its industry peers.
Industry RankSector Rank
ROA 1.13%
ROE 11.85%
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

Looking at the Profit Margin, with a value of 36.22%, FSBC belongs to the top of the industry, outperforming 93.42% of the companies in the same industry.
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) 36.22%
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 1.11, which is an excellent value as it means it would take FSBC, only 1.11 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.11, FSBC is in the better half of the industry, outperforming 70.13% 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 of 0.18. This is comparable to the rest of the industry: FSBC outperforms 46.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.11
Altman-Z N/A
ROIC/WACCN/A
WACC15.32%
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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6

3. Growth

3.1 Past

FSBC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -13.31%.
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.
Looking at the last year, FSBC shows a quite strong growth in Revenue. The Revenue has grown by 14.15% in the last year.
The Revenue has been growing by 16.66% on average over the past years. This is quite good.
EPS 1Y (TTM)-13.31%
EPS 3Y-7.22%
EPS 5Y4.66%
EPS Q2Q%0%
Revenue 1Y (TTM)14.15%
Revenue growth 3Y14.12%
Revenue growth 5Y16.66%
Sales Q2Q%27.05%

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 18.50% 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 18.31% on average per year.
EPS Next Y18.9%
EPS Next 2Y18.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.56%
Revenue Next 2Y18.31%
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 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

With a Price/Earnings ratio of 13.34, FSBC is valued correctly.
The rest of the industry has a similar Price/Earnings ratio as FSBC.
When comparing the Price/Earnings ratio of FSBC to the average of the S&P500 Index (27.45), we can say FSBC is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.50, the valuation of FSBC can be described as very reasonable.
Based on the Price/Forward Earnings ratio, FSBC is valued a bit cheaper than the industry average as 66.08% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.90, FSBC is valued rather cheaply.
Industry RankSector Rank
PE 13.34
Fwd PE 9.5
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 68.10% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.79
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

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 18.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.71
PEG (5Y)2.86
EPS Next 2Y18.5%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

FSBC has a Yearly Dividend Yield of 2.83%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.47, FSBC has a dividend in line with its industry peers.
FSBC's Dividend Yield is comparable with the S&P500 average which is at 2.42.
Industry RankSector Rank
Dividend Yield 2.83%

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 35.43% of its income as dividend. This is a sustainable payout ratio.
DP35.43%
EPS Next 2Y18.5%
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 (7/3/2025, 7:29:17 PM)

After market: 30.42 0 (0%)

30.42

+0.66 (+2.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners56.55%
Inst Owner Change-0.13%
Ins Owners22.46%
Ins Owner Change1.77%
Market Cap649.77M
Analysts82
Price Target33.92 (11.51%)
Short Float %1.18%
Short Ratio3.41
Dividend
Industry RankSector Rank
Dividend Yield 2.83%
Yearly Dividend0.84
Dividend Growth(5Y)N/A
DP35.43%
Div Incr Years3
Div Non Decr Years3
Ex-Date05-05 2025-05-05 (0.2)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.67%
Min EPS beat(2)3.02%
Max EPS beat(2)8.31%
EPS beat(4)3
Avg EPS beat(4)2.51%
Min EPS beat(4)-3.32%
Max EPS beat(4)8.31%
EPS beat(8)7
Avg EPS beat(8)5.51%
EPS beat(12)11
Avg EPS beat(12)5.63%
EPS beat(16)15
Avg EPS beat(16)10.07%
Revenue beat(2)1
Avg Revenue beat(2)0.47%
Min Revenue beat(2)-2.6%
Max Revenue beat(2)3.54%
Revenue beat(4)1
Avg Revenue beat(4)-0.72%
Min Revenue beat(4)-3.32%
Max Revenue beat(4)3.54%
Revenue beat(8)2
Avg Revenue beat(8)-1.9%
Revenue beat(12)6
Avg Revenue beat(12)1.15%
Revenue beat(16)10
Avg Revenue beat(16)2.11%
PT rev (1m)0%
PT rev (3m)-7.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.31%
EPS NY rev (1m)0%
EPS NY rev (3m)1.44%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.17%
Revenue NY rev (1m)-0.87%
Revenue NY rev (3m)0.83%
Valuation
Industry RankSector Rank
PE 13.34
Fwd PE 9.5
P/S 4.89
P/FCF 9.79
P/OCF 9.7
P/B 1.6
P/tB 1.6
EV/EBITDA N/A
EPS(TTM)2.28
EY7.5%
EPS(NY)3.2
Fwd EY10.53%
FCF(TTM)3.11
FCFY10.22%
OCF(TTM)3.14
OCFY10.31%
SpS6.22
BVpS19.03
TBVpS19.03
PEG (NY)0.71
PEG (5Y)2.86
Profitability
Industry RankSector Rank
ROA 1.13%
ROE 11.85%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.22%
GM N/A
FCFM 49.95%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.11
Debt/EBITDA N/A
Cap/Depr 33.23%
Cap/Sales 0.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 137.88%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.32%
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)-13.31%
EPS 3Y-7.22%
EPS 5Y4.66%
EPS Q2Q%0%
EPS Next Y18.9%
EPS Next 2Y18.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)14.15%
Revenue growth 3Y14.12%
Revenue growth 5Y16.66%
Sales Q2Q%27.05%
Revenue Next Year21.56%
Revenue Next 2Y18.31%
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 1Y55.56%
FCF growth 3Y22.34%
FCF growth 5Y12.49%
OCF growth 1Y55.19%
OCF growth 3Y21.8%
OCF growth 5Y12.37%