Five Star Bancorp (FSBC)

Five Star Bancorp Statistics

Total Valuation

FSBC has a market cap or net worth of $760.28 million. The enterprise value is $264.16 million.

Market Cap	760.28M
Enterprise Value	264.16M

Important Dates

The last earnings date was Monday, October 27, 2025, after market close.

Earnings Date	Oct 27, 2025
Ex-Dividend Date	Nov 3, 2025

Share Statistics

FSBC has 21.37 million shares outstanding. The number of shares has increased by 10.71% in one year.

Current Share Class	21.37M
Shares Outstanding	21.37M
Shares Change (YoY)	+10.71%
Shares Change (QoQ)	-0.20%
Owned by Insiders (%)	22.98%
Owned by Institutions (%)	49.36%
Float	14.73M

Valuation Ratios

The trailing PE ratio is 13.23 and the forward PE ratio is 11.92.

PE Ratio	13.23
Forward PE	11.92
PS Ratio	5.32
Forward PS	4.47
PB Ratio	1.75
P/TBV Ratio	1.76
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	4.61
EV / Sales	1.86
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 13.95%.

Return on Equity (ROE)	13.95%
Return on Assets (ROA)	1.34%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$675,857
Profits Per Employee	$272,762
Employee Count	210
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, FSBC has paid $22.81 million in taxes.

Income Tax	22.81M
Effective Tax Rate	28.48%

Stock Price Statistics

The stock price has increased by +19.76% in the last 52 weeks. The beta is 0.49, so FSBC's price volatility has been lower than the market average.

Beta (5Y)	0.49
52-Week Price Change	+19.76%
50-Day Moving Average	32.69
200-Day Moving Average	29.88
Relative Strength Index (RSI)	66.83
Average Volume (20 Days)	62,930

Short Selling Information

The latest short interest is 163,434, so 0.76% of the outstanding shares have been sold short.

Short Interest	163,434
Short Previous Month	143,274
Short % of Shares Out	0.76%
Short % of Float	1.11%
Short Ratio (days to cover)	3.61

Income Statement

In the last 12 months, FSBC had revenue of $141.93 million and earned $57.28 million in profits. Earnings per share was $2.69.

Revenue	141.93M
Gross Profit	141.93M
Operating Income	81.96M
Pretax Income	80.09M
Net Income	57.28M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.69

Balance Sheet

The company has $580.55 million in cash and $84.44 million in debt, giving a net cash position of $496.11 million or $23.22 per share.

Cash & Cash Equivalents	580.55M
Total Debt	84.44M
Net Cash	496.11M
Net Cash Per Share	$23.22
Equity (Book Value)	431.31M
Book Value Per Share	20.32
Working Capital	-3.48B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	57.74%
Pretax Margin	56.43%
Profit Margin	40.36%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.80, which amounts to a dividend yield of 2.25%.

Dividend Per Share	$0.80
Dividend Yield	2.25%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	4
Payout Ratio	29.75%
Buyback Yield	-10.71%
Shareholder Yield	-8.46%
Earnings Yield	7.53%
FCF Yield	n/a

Analyst Forecast

The average price target for FSBC is $35.17, which is -1.15% lower than the current price. The consensus rating is "Buy".

Price Target	$35.17
Price Target Difference	-1.15%
Analyst Consensus	Buy
Analyst Count	6
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2