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FIVE STAR BANCORP (FSBC) Stock Fundamental Analysis

USA - NASDAQ:FSBC - US33830T1034 - Common Stock

32.39 USD
-0.47 (-1.43%)
Last: 9/16/2025, 8:24:34 PM
32.39 USD
0 (0%)
After Hours: 9/16/2025, 8:24:34 PM
Fundamental Rating

5

Overall FSBC gets a fundamental rating of 5 out of 10. We evaluated FSBC against 392 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 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

The Return On Assets of FSBC (1.18%) is better than 76.79% of its industry peers.
With an excellent Return On Equity value of 12.45%, FSBC belongs to the best of the industry, outperforming 84.18% of the companies in the same industry.
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

Looking at the Profit Margin, with a value of 36.90%, FSBC belongs to the top of the industry, outperforming 93.37% of the companies in the same industry.
In the last couple of years the Profit Margin of FSBC has declined.
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
Compared to 5 years ago, FSBC has more shares outstanding
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 67.60% 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's Debt to Equity ratio of 0.18 is in line compared to the rest of the industry. FSBC outperforms 50.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.09
Altman-Z N/A
ROIC/WACCN/A
WACC14.35%
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

The Earnings Per Share has been growing slightly by 2.08% over the past year.
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
The Revenue is expected to grow by 21.31% on average over the next years. This is a very strong growth
EPS Next Y22.81%
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

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 accelerating: in the next years the growth will be better 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

FSBC is valuated correctly with a Price/Earnings ratio of 13.22.
Compared to the rest of the industry, the Price/Earnings ratio of FSBC is on the same level as its industry peers.
FSBC is valuated cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.82 indicates a reasonable valuation of FSBC.
FSBC's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of FSBC to the average of the S&P500 Index (22.71), we can say FSBC is valued rather cheaply.
Industry RankSector Rank
PE 13.22
Fwd PE 9.82
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of FSBC indicates a somewhat cheap valuation: FSBC is cheaper than 66.33% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.16
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.
A more expensive valuation may be justified as FSBC's earnings are expected to grow with 20.30% in the coming years.
PEG (NY)0.58
PEG (5Y)2.84
EPS Next 2Y20.3%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.43%, FSBC has a reasonable but not impressive dividend return.
FSBC's Dividend Yield is slightly below the industry average, which is at 3.73.
FSBC's Dividend Yield is comparable with the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 2.43%

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 (9/16/2025, 8:24:34 PM)

After market: 32.39 0 (0%)

32.39

-0.47 (-1.43%)

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 Owners56.61%
Inst Owner Change-0.74%
Ins Owners22.45%
Ins Owner Change1.44%
Market Cap692.17M
Analysts82
Price Target35.96 (11.02%)
Short Float %1%
Short Ratio4.31
Dividend
Industry RankSector Rank
Dividend Yield 2.43%
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)5.19%
EPS NY rev (1m)3.01%
EPS NY rev (3m)3.29%
Revenue NQ rev (1m)-0.89%
Revenue NQ rev (3m)6.96%
Revenue NY rev (1m)-0.98%
Revenue NY rev (3m)4.75%
Valuation
Industry RankSector Rank
PE 13.22
Fwd PE 9.82
P/S 4.92
P/FCF 10.16
P/OCF 10.06
P/B 1.66
P/tB 1.66
EV/EBITDA N/A
EPS(TTM)2.45
EY7.56%
EPS(NY)3.3
Fwd EY10.19%
FCF(TTM)3.19
FCFY9.84%
OCF(TTM)3.22
OCFY9.94%
SpS6.58
BVpS19.5
TBVpS19.5
PEG (NY)0.58
PEG (5Y)2.84
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
WACC14.35%
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 Y22.81%
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%