QualityDipStocks / Finance · Major Banks
Five Star Bancorp FSBC
Outside our quality screen, so we don’t track its dips. It’s 9% below its 52-week high.
Outside our quality screen. No fair value estimate for now: its share count is unclear.
- Fair value est.
- n/a
- Market Value
- forming
- Off 52-wk high
- −9%
- Risk vs market
- Lowbeta 0.51
52-week range 74% of the way from its 52-week low to its high
Price $45.33
4 bullish · 4 bearish See why
Repriced or dip?
Near its high
The price is 9% below its 52-week high (Jul 16), but the business held up: revenue +5.7%, revenue growth rate −0.0 pts.
Some numbers held up (revenue +5.7%, revenue growth rate −0.0 pts), others slipped (shares outstanding more shares, each owns less). The price is 9% below its 52-week high.
The price is 9% below its 52-week high, and the business changed too: shares outstanding more shares, each owns less.
Within 10% of its 52-week high, so there is no dip to judge yet.
Data-based read, not advice.
Priced in
How much growth the market assumed at the 52-week high, the low and today (a reverse DCF).
52-wk high: P/E 15.8×; 52-wk low: P/E 12.2×; now: P/E 15.3×.
| High | Low | Now | |
|---|---|---|---|
| Price | $49.68Jul 16 | $32.87Nov 20 | $45.33 |
| P/E | 15.8× | 12.2× | 15.3× |
What this means: a lower P/E than at the high means you pay less for each dollar of profit than buyers did then.
How it’s computed
Banks, insurers and lenders: cash flow includes deposits and loans, so a cash-flow model doesn't fit; we show P/E at each point instead. P/E = that day's close × diluted shares / 12-month net income, using only the filings that were public on that day.
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
No estimate for FSBC: SEC share count doesn't match the listed shares (share class / ADR ratio unclear). We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much FSBC moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves much less than the market, but its own price swings are 1.7× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- 0.51
- Volatility
- 22% vs 13% SPY
- Correlation SPY
- 0.29
- Correlation QQQ
- 0.16
Valuation details
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 4 of 5
GrowthSales grew 26% to $178M over the last 12 months vs the 12 months before (SEC filings).
GrowthDiluted EPS grew 28% to $2.90 in FY2025.
ProfitabilityReturn on equity of 16% over the last 12 months.
ProfitabilityNet margin of 40%, above the 22% median for the 350 Finance companies we cover.
Top bearish points 4 of 5
ValuationPrice / book of 2.3×, above the 1.6× median for the 368 Finance companies we cover.
ValuationP/E of 15.3×, above the 13.3× median for the 364 Finance companies we cover.
Cash returnsShare count up 0.3% over 12 months, above the −1.0% median for the 318 Finance companies we cover.
QualityDoesn’t pass our quality screen: no cash-flow data.
All fundamentals
P/E 15.3 · ROE 16% · Sales +26%
Valuation
- P/E
- 15.3×Finance median 13.3×
- Price / FCF
- n/acash flow isn't a clean measure for a bank
- FCF yield
- n/acash flow isn't a clean measure for a bank
- EV / EBITDA
- n/anot meaningful for a bank
- Price / sales
- 6.19×
- Price / book
- 2.32×
- Market cap
- $1.1Blisted
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $178Mnet interest income + noninterest income
- Sales growth, 12 months
- +26.5%vs the 12 months before
- Sales growth, 3 yrs
- +12.9%/yrfrom FY2022
- Diluted EPS, 12 months
- $3.38
- EPS growth, last FY
- +28.3%
- Net income, 12 months
- $72M
- Net income growth
- +39%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a bank
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 40.5%
- FCF margin
- 45.3%
- Return on equity
- 16%
- Return on invested capital
- n/anot meaningful for a bank
Balance sheet
- Cash & short-term inv.
- $685M
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a bank
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a bank
- Interest coverage
- n/anot meaningful for a bank
Cash flow & returns
- Free cash flow, 12 months
- $80M
- FCF growth, 12 months
- +18%
- Dividend yield
- 1.75%$19M paid
- Payout ratio
- 27%
- Buybacks, 12 months
- n/anot reported in its SEC filings
- Share count, 1 year
- +0.3%diluted shares vs a year ago
- Stock-based comp
- $2M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Five Star Bancorp’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
Sales +29%
- Return on equity15%
- Sales growth (latest quarter vs year-ago quarter)+29%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $45.33
- 52-wk lowlowest close, 1 year$32.87−27.5%
- PriceMon Nov 2 close$45.33you are here
- 52-wk highhighest close, 1 year$49.68+9.6%
Momentum & 52-week range
RSI 60 · 5 days +1.9%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
FSBC is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Five Star Bancorp in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 5:14 PM ET.
Compare with peers
Closest in size in Major Banks
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.