Five Star Bancorp (FSBC) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
Five Star Bancorp serves as the holding company for Five Star Bank, delivering a full spectrum of banking products and services. The institution caters to a diverse clientele, including small and medium-sized businesses, professionals, and individual customers. Clients can access various deposit options, such as money market accounts, both interest-bearing and non-interest-bearing checking accounts, savings accounts, and time deposits.
Analysis Summary
Five Star Bancorp reported revenue of $255.5M in the most recent fiscal year, growing at a 5-year CAGR of 25.2%. Net income reached $61.6M, with a 11.4% 5-year CAGR.
Trailing-twelve-month margins: gross margin 60.4%, operating margin 34.6%, net margin 25.9%. Free cash flow grew at 7.1% CAGR over 5 years.
At the current price of $45.35, FSBC trades at a P/E of 13.33 and an ROE of 15.92%. Market capitalisation stands at $1.1B.
Balance sheet quality for FSBC: current ratio of 0.1, net cash position of $478.9M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $71.4M represents 116% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $45.35 |
| Market Cap | $1.1B |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 13.33 |
| Price / Book | 2.03 |
| EV / EBITDA | 11.60 |
| Dividend Yield | 2.10% |
Profitability
| Return on Equity | 15.92% |
| Return on Invested Capital | -1.55% |
| Return on Assets | 1.34% |
| Gross Margin | 60.39% |
| Operating Margin | 34.63% |
| Net Margin | 25.88% |
Financial Health
| Debt / Equity | 0.16 |
| Current Ratio | 0.03 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| FSBC | Five Star Bancorp | $1.1B | 13.33 | 2.03 | 15.9% |
| EFSC | Enterprise Financial Services Corp | $2.3B | 12.45 | 1.13 | 9.4% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
Price Performance
| 1 month | -2.53% |
| 3 months | +1.16% |
| Year-to-date | +26.86% |
| 1 year | +38.22% |
| 3 years | +121.41% |
52-Week Range
| 52-week High | $50.26 |
| 52-week Low | $30.68 |
| Avg Volume (90d) | 161K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-08-03 | $0.2500 | 2.20% |
| 2026-05-04 | $0.2500 | 2.20% |
| 2026-02-02 | $0.2500 | 2.20% |
| 2025-11-03 | $0.2000 | 1.76% |
| 2025-08-04 | $0.2000 | 1.76% |
| 2025-05-05 | $0.2000 | 1.76% |
| 2025-02-03 | $0.2000 | 1.76% |
| 2024-11-04 | $0.2000 | 1.76% |
| 2024-08-05 | $0.2000 | 1.76% |
| 2024-05-03 | $0.2000 | 1.76% |
Related companies: BFST · CCNE · CFFN · CPF · EFSC · HAFC · HBNC
Explore sector: Financial Services · Banks - Regional
More sections of FSBC: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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