FSBC Stock Overview
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals.
Five Star Bancorp Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$25.75|
|52 Week High||US$33.98|
|52 Week Low||US$21.91|
|1 Month Change||2.26%|
|3 Month Change||3.04%|
|1 Year Change||3.66%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||6.19%|
Recent News & Updates
Five Star Bancorp declares $0.15 dividend
Five Star Bancorp (NASDAQ:FSBC) declared $0.15/share quarterly dividend, in line with previous. Forward yield 2.3% Payable Aug. 15; for shareholders of record Aug. 8; ex-div Aug. 5. See FSBC Dividend Scorecard, Yield Chart, & Dividend Growth.
|FSBC||US Banks||US Market|
Return vs Industry: FSBC exceeded the US Banks industry which returned -10.9% over the past year.
Return vs Market: FSBC exceeded the US Market which returned -10.2% over the past year.
|FSBC Average Weekly Movement||5.4%|
|Banks Industry Average Movement||3.7%|
|Market Average Movement||7.7%|
|10% most volatile stocks in US Market||16.9%|
|10% least volatile stocks in US Market||3.2%|
Stable Share Price: FSBC is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: FSBC's weekly volatility (5%) has been stable over the past year.
About the Company
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals. The company accepts various deposits, such as money market, noninterest-bearing and interest checking accounts, savings accounts, and time deposits. Its loan products include commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans.
Five Star Bancorp Fundamentals Summary
|FSBC fundamental statistics|
Is FSBC overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|FSBC income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||2.44|
|Net Profit Margin||46.36%|
How did FSBC perform over the long term?See historical performance and comparison
2.3%Current Dividend Yield
Is FSBC undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for FSBC?
Other financial metrics that can be useful for relative valuation.
|What is FSBC's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does FSBC's PE Ratio compare to its peers?
|FSBC PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
SPFI South Plains Financial
MVBF MVB Financial
IBCP Independent Bank
FSBC Five Star Bancorp
Price-To-Earnings vs Peers: FSBC is good value based on its Price-To-Earnings Ratio (10.5x) compared to the peer average (11x).
Price to Earnings Ratio vs Industry
How does FSBC's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: FSBC is expensive based on its Price-To-Earnings Ratio (10.5x) compared to the US Banks industry average (10.1x)
Price to Earnings Ratio vs Fair Ratio
What is FSBC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||10.5x|
|Fair PE Ratio||13x|
Price-To-Earnings vs Fair Ratio: FSBC is good value based on its Price-To-Earnings Ratio (10.5x) compared to the estimated Fair Price-To-Earnings Ratio (13x).
Share Price vs Fair Value
What is the Fair Price of FSBC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: FSBC ($25.75) is trading below our estimate of fair value ($75.05)
Significantly Below Fair Value: FSBC is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is less than 20% higher than the current share price.
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How is Five Star Bancorp forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FSBC's forecast earnings growth (11.2% per year) is above the savings rate (1.9%).
Earnings vs Market: FSBC's earnings (11.2% per year) are forecast to grow slower than the US market (14.5% per year).
High Growth Earnings: FSBC's earnings are forecast to grow, but not significantly.
Revenue vs Market: FSBC's revenue (15.6% per year) is forecast to grow faster than the US market (7.9% per year).
High Growth Revenue: FSBC's revenue (15.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: FSBC's Return on Equity is forecast to be low in 3 years time (18.1%).
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How has Five Star Bancorp performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Last years earnings growth
Earnings and Revenue History
Quality Earnings: FSBC has high quality earnings.
Growing Profit Margin: FSBC's current net profit margins (46.4%) are lower than last year (51.7%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if FSBC's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: Insufficient data to compare FSBC's past year earnings growth to its 5-year average.
Earnings vs Industry: FSBC earnings growth over the past year (8.3%) underperformed the Banks industry 8.8%.
Return on Equity
High ROE: FSBC's Return on Equity (18.1%) is considered low.
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How is Five Star Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: FSBC's Assets to Equity ratio (12.2x) is moderate.
Allowance for Bad Loans: FSBC has a sufficient allowance for bad loans (5834%).
Low Risk Liabilities: 96% of FSBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: FSBC has an appropriate level of Loans to Assets ratio (83%).
Low Risk Deposits: FSBC's Loans to Deposits ratio (94%) is appropriate.
Level of Bad Loans: FSBC has an appropriate level of bad loans (0%).
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What is Five Star Bancorp current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: FSBC's dividend (2.33%) is higher than the bottom 25% of dividend payers in the US market (1.47%).
High Dividend: FSBC's dividend (2.33%) is low compared to the top 25% of dividend payers in the US market (3.95%).
Stability and Growth of Payments
Stable Dividend: Too early to tell whether FSBC's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if FSBC's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (24.4%), FSBC's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
James Beckwith (64 yo)
Mr. James Eugene Beckwith serves as the President and Chief Executive Officer of Five Star Bank and Five Star Bancorp and is its Director since 2003. He joined the Five Star Bank in 2003 and served as Chie...
CEO Compensation Analysis
Compensation vs Market: James's total compensation ($USD1.95M) is about average for companies of similar size in the US market ($USD2.53M).
Compensation vs Earnings: James's compensation has increased by more than 20% in the past year.
Experienced Management: FSBC's management team is considered experienced (4.6 years average tenure).
Experienced Board: FSBC's board of directors are considered experienced (3.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: FSBC insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Five Star Bancorp's employee growth, exchange listings and data sources
- Name: Five Star Bancorp
- Ticker: FSBC
- Exchange: NasdaqGS
- Founded: 1999
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$444.084m
- Shares outstanding: 17.25m
- Website: https://www.fivestarbank.com
Number of Employees
- Five Star Bancorp
- 3100 Zinfandel Drive
- Suite 100
- Rancho Cordova
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/14 00:00|
|End of Day Share Price||2022/08/12 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.