Five Star Bancorp (FSBC)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 74 | 84 | 109 | 117 | 125 | 158 | 178 | - |
| Operating profit | $m | 84 | 96 | ||||||
| Net profit | $m | 36 | 42 | 45 | 48 | 46 | 62 | 72 | 74 |
| EPS reported | $ | 2.90 | 3.38 | ||||||
| Operating cashflow per share | $ | 3.42 | 3.86 | ||||||
| Capex per share | $ | 0.06 | 0.07 | ||||||
| FCF per share | $ | 3.36 | 3.79 | ||||||
| Free cash flow | $m | 71 | 80 | ||||||
| Net debt | $m | -491 | -62 | ||||||
| Book value equity | $m | 446 | 474 | ||||||
| Book value per share | $ | 20.96 | 22.25 | ||||||
| Number of shares | m | 21.27 | 21.29 | ||||||
| DPS (TTM paid) | $ | 0.80 | 0.95 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 12.34 | 12.83 | ||||||
| P/B LTM | x | 1.70 | 1.60 | ||||||
| P/S LTM | x | 4.79 | 4.26 | ||||||
| P/FCF LTM | x | 10.63 | 9.43 | ||||||
| EV/EBITDA LTM | x | 3.90 | 3.42 | ||||||
| EV/Sales LTM | x | 1.32 | 4.15 | ||||||
| Earnings Yield LTM | % | +8.10% | +7.79% | ||||||
| FCF Yield | % | +9.40% | +10.60% | ||||||
| Quality | |||||||||
| ROE | % | +13.82% | +15.92% | ||||||
| ROIC | % | +11.12% | -1.55% | ||||||
| Operating margin | % | +32.78% | +34.63% | ||||||
| Gross margin | % | +58.22% | +60.39% | ||||||
| FCF/Sales | % | +27.95% | +28.93% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +28.32% | +49.56% | ||||||
| Sales Growth YoY | % | +26.80% | +42.66% | ||||||
| Net Income Growth YoY | % | +34.89% | +57.66% | ||||||
| FCF Growth | % | +39.60% | +57.34% | ||||||
| Operating Profit Growth | % | +29.37% | +48.89% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.25% | +2.03% | ||||||
| Dividend Growth | % | 0.00% | +18.75% | ||||||
| Payout Ratio | % | +27.69% | +26.73% | ||||||
| FCF/Debt | x | 0.83 | 1.09 | ||||||
| Net Debt/EBITDA | x | -4.85 | 0.28 | ||||||
| EBIT/Net interest | x | 0.86 | 0.96 | ||||||
| Net debt/market cap | % | +9.75% | +6.58% | ||||||
| Net debt/Equity | x | -1.10 | -0.13 | ||||||
| Gross debt/equity | x | 0.19 | 0.16 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Five Star Bancorp serves as the holding company for Five Star Bank, delivering a full spectrum of banking products and services. The institution caters to a diverse clientele, including small and medium-sized businesses, professionals, and individual customers. Clients can access various deposit options, such as money market accounts, both interest-bearing and non-interest-bearing checking accounts, savings accounts, and time deposits. The bank's lending portfolio encompasses commercial and residential real estate loans, general commercial financing, commercial land loans, agricultural land loans, and construction loans for both commercial and residential projects, alongside consumer and other credit facilities. Additionally, it provides debit cards, remote check deposit capabilities, online and mobile banking services, and direct deposit options. Operating in Northern California, Five Star Bancorp maintains seven branch locations and two dedicated loan production offices. The company was established in 1999 and its headquarters are located in Rancho Cordova, California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Five Star Bancorp (FSBC)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Five Star Bancorp serves as the holding company for Five Star Bank, delivering a full spectrum of banking products and services. The institution caters to a diverse clientele, including small and medium-sized businesses, professionals, and individual customers. Clients can access various deposit options, such as money market accounts, both interest-bearing and non-interest-bearing checking accounts, savings accounts, and time deposits. The bank's lending portfolio encompasses commercial and residential real estate loans, general commercial financing, commercial land loans, agricultural land loans, and construction loans for both commercial and residential projects, alongside consumer and other credit facilities. Additionally, it provides debit cards, remote check deposit capabilities, online and mobile banking services, and direct deposit options. Operating in Northern California, Five Star Bancorp maintains seven branch locations and two dedicated loan production offices. The company was established in 1999 and its headquarters are located in Rancho Cordova, California.
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