Five Star Bancorp FSBC

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Price alert · FSBC

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44.92 USD -0.84 -1.84%

At close · Oct 30

44.92 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
44.85 × 2
Ask
44.99 × 2
44.59 Day range 46.58
32.87 52-week range 49.68
YTD
+25.54%
1 year
+25.97%
Open
46.19
Prev close
45.76
Mkt cap
1.10B
Vol
176.44K
Avg vol
169.63K
EPS
3.53
P/E
12.73
Div yield
2.18%
More statistics
Low
44.59
High
46.58
Forward P/E
12.16
Beta
0.54
Short ratio
6.44
Inst. own
54.63%
Dividend
1.00
Ex-div date
Nov 1, 2026
Earnings
Jan 25, 2027
50-d avg
44.39
200-d avg
42.76
1y target
51.60

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Financial health

Altman Z-Score

-0.56 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 4
  • P/E 3
  • P/B 2

Valuation

P/E 12.3×
FY 2016: 52.6×FY 2017: 37.8×FY 2018: 155×FY 2019: 1.1×FY 2020: 9.0×FY 2021: 10.6×FY 2022: 10.4×FY 2023: 9.4×FY 2024: 13.3×FY 2025: 12.3×
FY 2016 5y median 10.6× FY 2025
P/S 3.0×
FY 2016: 3.9×FY 2017: 4.5×FY 2018: 1076×FY 2019: 0.5×FY 2020: 3.9×FY 2021: 5.1×FY 2022: 3.8×FY 2023: 2.5×FY 2024: 2.9×FY 2025: 3.0×
FY 2016 5y median 3.0× FY 2025
P/B 1.7×
FY 2016: 0.9×FY 2017: 1.0×FY 2018: 1.0×FY 2019: 0.3×FY 2020: 2.4×FY 2021: 1.9×FY 2022: 1.8×FY 2023: 1.6×FY 2024: 1.5×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
P/FCF 10.6×
FY 2016: -244×FY 2017: 12.1×FY 2018: -38.5×FY 2019: 1.1×FY 2020: 6.4×FY 2021: 16.1×FY 2022: 10.3×FY 2023: 11.7×FY 2024: 11.9×FY 2025: 10.6×
FY 2016 5y median 11.7× FY 2025
EV/EBITDA 3.9×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: -3.6×FY 2020: 1.0×FY 2021: 0.8×FY 2022: 5.8×FY 2023: 5.4×FY 2024: 5.0×FY 2025: 3.9×
FY 2016 5y median 5.0× FY 2025
EV/Sales 1.3×
FY 2016: 11.0×FY 2017: 12.1×FY 2018: 3261×FY 2019: -1.6×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 3.0×FY 2023: 2.1×FY 2024: 1.6×FY 2025: 1.3×
FY 2016 5y median 1.6× FY 2025
FCF Yield 9.4%
FY 2016: -0.4%FY 2017: 8.3%FY 2018: -2.6%FY 2019: 88.1%FY 2020: 15.6%FY 2021: 6.2%FY 2022: 9.8%FY 2023: 8.5%FY 2024: 8.4%FY 2025: 9.4%
FY 2016 5y median 8.5% FY 2025

Profitability

Gross Margin 58.2%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 75.4%FY 2020: 78.1%FY 2021: 93.5%FY 2022: 82.6%FY 2023: 62.6%FY 2024: 55.6%FY 2025: 58.2%
FY 2016 5y median 62.6% FY 2025
Operating Margin 32.8%
FY 2016: 9.4%FY 2017: 15.9%FY 2018: 2060.0%FY 2019: 43.6%FY 2020: 44.9%FY 2021: 53.7%FY 2022: 50.8%FY 2023: 36.9%FY 2024: 30.5%FY 2025: 32.8%
FY 2016 5y median 36.9% FY 2025
Net Margin 24.1%
FY 2016: 7.4%FY 2017: 11.9%FY 2018: 703.3%FY 2019: 42.1%FY 2020: 43.3%FY 2021: 48.3%FY 2022: 36.2%FY 2023: 26.4%FY 2024: 21.5%FY 2025: 24.1%
FY 2016 5y median 26.4% FY 2025
ROE 13.8%
FY 2016: 1.6%FY 2017: 2.7%FY 2018: 0.7%FY 2019: 26.9%FY 2020: 26.9%FY 2021: 18.1%FY 2022: 17.7%FY 2023: 16.7%FY 2024: 11.5%FY 2025: 13.8%
FY 2016 5y median 16.7% FY 2025
ROIC 11.1%
FY 2016: 0.2%FY 2017: 0.3%FY 2018: 0.1%FY 2019: 18.1%FY 2020: 22.2%FY 2021: 16.1%FY 2022: 10.4%FY 2023: 8.4%FY 2024: 9.2%FY 2025: 11.1%
FY 2016 5y median 10.4% FY 2025
ROA 1.3%
FY 2016: 0.2%FY 2017: 0.3%FY 2018: 0.1%FY 2019: 2.0%FY 2020: 1.8%FY 2021: 1.7%FY 2022: 1.4%FY 2023: 1.3%FY 2024: 1.1%FY 2025: 1.3%
FY 2016 5y median 1.3% FY 2025

Growth (YoY)

Revenue 20.4%
FY 2016: 0.0%FY 2017: 3.4%FY 2018: -99.6%FY 2019: 232006.7%FY 2020: 19.1%FY 2021: 5.9%FY 2022: 41.0%FY 2023: 46.0%FY 2024: 17.4%FY 2025: 20.4%
FY 2016 FY 2025
Operating Income 29.4%
FY 2016: 0.0%FY 2017: 75.5%FY 2018: -45.7%FY 2019: 4812.8%FY 2020: 22.7%FY 2021: 26.6%FY 2022: 33.3%FY 2023: 6.0%FY 2024: -2.8%FY 2025: 29.4%
FY 2016 FY 2025
EPS (diluted) 28.3%
FY 2016: 0.0%FY 2017: 66.7%FY 2018: -75.6%FY 2019: 14263.6%FY 2020: -86.0%FY 2021: 28.1%FY 2022: -7.8%FY 2023: 6.5%FY 2024: -18.7%FY 2025: 28.3%
FY 2016 FY 2025
Free Cash Flow 39.6%
FY 2016: 0.0%FY 2017: 2520.7%FY 2018: -131.2%FY 2019: 3484.6%FY 2020: 78.3%FY 2021: -44.8%FY 2022: 62.8%FY 2023: -15.9%FY 2024: 33.7%FY 2025: 39.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.0×FY 2017: 2.3×FY 2018: 1.9×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.0×FY 2017: 2.3×FY 2018: 1.9×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.2×
FY 2016: 1.8×FY 2017: 2.1×FY 2018: 2.3×FY 2019: 0.5×FY 2020: 0.2×FY 2021: 0.1×FY 2022: 0.7×FY 2023: 0.9×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -4.9×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: -4.7×FY 2020: -7.6×FY 2021: -8.6×FY 2022: -1.4×FY 2023: -1.1×FY 2024: -4.1×FY 2025: -4.9×
FY 2016 5y median -4.1× FY 2025
Interest Coverage 0.9×
FY 2016: 0.3×FY 2017: 0.5×FY 2018: 0.2×FY 2019: 2.6×FY 2020: 4.1×FY 2021: 11.9×FY 2022: 4.2×FY 2023: 1.0×FY 2024: 0.7×FY 2025: 0.9×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 2.2%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 81.5%FY 2020: 8.1%FY 2021: 11.6%FY 2022: 3.3%FY 2023: 2.9%FY 2024: 2.7%FY 2025: 2.2%
FY 2016 5y median 2.9% FY 2025
Payout Ratio 27.7%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 89.7%FY 2020: 73.4%FY 2021: 122.4%FY 2022: 34.2%FY 2023: 27.1%FY 2024: 35.6%FY 2025: 27.7%
FY 2016 5y median 34.2% FY 2025

Annual · latest fiscal year ends 2025-12-31