Stock AnalizFive Star Bancorp FSBC
Major Banks · IPO 2021 · data as of November 13, 2026
Five Star Bancorp (FSBC) is a financial company listed in the US with a market value of about $1.1B. In the twelve months to September 30, 2026 it had revenue of $189M and net income of $78M, a net margin of 41.0%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is future growth (5/5); the weakest is track record (2/5).
Key numbers: a P/E of 12.6, a price to free cash flow of 12.3, 5-year revenue growth of 16% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 44% below the current price.
Score: 3.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- ROE above 15%
- Interest covered more than 5 times
- Liabilities below 60% of assets
- Share count down over 3 years (buybacks)
Valuation
Growth and quality
Financials, last 6 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue | $189M | $158M | $126M | $118M | $110M | $85M | $75M |
| Net income | $78M | $62M | $46M | $48M | $45M | $42M | $36M |
| Free cash flow | $88M | $71M | $51M | $38M | $45M | $28M | $51M |
| EPS (diluted) | $3.53 | $2.90 | $2.26 | $2.78 | $2.61 | $2.83 | $3.57 |
| Net margin | 41.0% | 38.9% | 36.2% | 40.3% | 40.6% | 50.0% | 48.2% |
| ROIC | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 5 analysts is $51.40, 16% above the current price; targets range from $48.00 to $55.00; the consensus rating is “Buy”; expected EPS is $3.57 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Five Star Bancorp’s P/E ratio?
About 12.6, based on the last twelve months of diluted earnings per share (forward P/E about 12.3).
Is Five Star Bancorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 44% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Five Star Bancorp pay a dividend?
Yes. The dividend yield is about 2.26%, and it has paid dividends for 6 years in our data.
Is Five Star Bancorp a good stock to buy?
We do not give buy or sell advice. Five Star Bancorp scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.