Five Star Bancorp

FSBC | NASDAQ

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$44.35

-$0.12 (-0.27%)

At close: Sep 21, 2026, 4:00 PM ET

$44.28

-$0.07 (-0.16%)

Pre-market: Sep 22, 2026, 4:48 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $1.07B

Enterprise Value $1.01B

Beta 0.52

Average Volume 155.62K

Shares Outstanding (Diluted) N/A

Shares Change YoY 0.09%

Institutional Ownership 58.35%

Exchange NASDAQ

ISIN US33830T1034

Price Performance

Price Change 1M -1.7%

Price Change 3M -5.2%

Price Change 6M 18.6%

Price Change YTD 24.4%

Price Change 1Y 34.2%

Price Change 3Y 122.8%

Price Change 5Y 89.5%

1M CAGR (ann.) -4.3%

1Y CAGR (ann.) 38.6%

5Y CAGR (ann.) 16.8%

All-Time CAGR 9.7%

Valuation

PE Ratio 13.12

Forward PE 13.45

PEG Ratio 0.34

Forward PEG 1.92

PS Ratio 3.84

Forward PS 4.70

PB Ratio 2.26

P/FCF Ratio 18.67

P/Adj. FCF Ratio 19.07

P/OCF Ratio 11.49

EV/Sales 3.62

EV/EBIT 10.44

EV/EBITDA 10.18

EV/FCF 17.58

Earnings Yield 7.6%

FCF Yield 5.4%

Adj. FCF Yield 5.2%

Financial Health

Net Cash $62.44M

Total Debt $74.11M

Cash & Short-Term Investments $136.55M

Total Assets $5.38B

Current Ratio 0.03

Quick Ratio 0.03

Debt / Equity Ratio 0.16

Debt / EBITDA 0.75

Debt / FCF 1.29

OCF / Debt 0.79

Interest Coverage 0.96

Altman Z-Score -0.75

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 60.4%

Operating Profit Margin 34.6%

EBITDA Margin 35.5%

Net Profit Margin 25.9%

FCF Margin 20.6%

Adj. FCF Margin 20.1%

SBC / Revenue 0.6%

SBC Impact (per share) -2.1%

Returns

Return on Assets 1.3%

Return on Equity 15.9%

Return on Invested Capital -1.6%

Return on Capital Employed 16.7%

Return on Tangible Assets 1.3%

Historical Growth (CAGR)

Revenue CAGR 3Y 20.7%

Revenue CAGR 5Y 26.7%

Revenue CAGR 10Y 65.9%

EPS CAGR 3Y 4.5%

EPS CAGR 5Y 6.7%

EPS CAGR 10Y 50.2%

FCF CAGR 3Y -1.4%

FCF CAGR 5Y 2.8%

FCF CAGR 10Y 23.1%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 4

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 25, 2026

EPS Estimate (next Q) $0.86

EPS Growth Est (next Q) 11.7%

Revenue Est (next Q) $51.43M

Revenue Growth Est (next Q) 25.4%

Fair Value Estimates

Graham Number $41.19

Graham Upside -7.1%

Lynch Fair Value $22.48

Lynch Upside -49.3%

Price Target $53

Price Target Upside 19.5%

Cash Flow

Operating Cash Flow $58.28M

Free Cash Flow $57.26M

Adj. Free Cash Flow $56.04M

FCF Per Share $3.79

OCF Per Share $3.86

OCF/S Ratio 29.5%

Income Statement

Revenue $278.25M

Gross Profit $168.04M

Operating Income $96.36M

EBITDA $98.83M

Net Income $72.01M

EPS (Diluted) $3.38

Revenue / Employee $1.19M

Profit / Employee $309.04K

Employees 233

Dividends

Annual Dividend $0.95

Dividend Yield 2.14%

Payout Ratio 28.1%

FCF Payout Ratio 24.3%

Adj. FCF Payout Ratio 24.8%

Dividend Growth (YoY) 18.8%

Pay Frequency Quarterly

Ex-Dividend Date Aug 2, 2026