Five Star Bancorp (FSBC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Five Star Bancorp stock (FSBC) is currently trading at $37.40. Five Star Bancorp PE ratio is 12.54. Five Star Bancorp PS ratio (Price-to-Sales) is 5.23. Analyst consensus price target for FSBC is $42.60. WallStSmart rates FSBC as Moderate Buy.
- FSBC PE ratio analysis and historical PE chart
- FSBC PS ratio (Price-to-Sales) history and trend
- FSBC intrinsic value — DCF, Graham Number, EPV models
- FSBC stock price prediction 2025 2026 2027 2028 2029 2030
- FSBC fair value vs current price
- FSBC insider transactions and insider buying
- Is FSBC undervalued or overvalued?
- Five Star Bancorp financial analysis — revenue, earnings, cash flow
- FSBC Piotroski F-Score and Altman Z-Score
- FSBC analyst price target and Smart Rating
Five Star Bancorp
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FSBC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Five Star Bancorp (FSBC)
FSBC trades at a significant discount to its Graham intrinsic value of $135.72, offering a 70% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Five Star Bancorp (FSBC) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Five Star Bancorp (FSBC) Key Strengths (6)
Keeps $58 of every $100 in revenue after operating costs
Earnings per share surging 32.60% year-over-year
Keeps $41 of every $100 in revenue as net profit
Trading at 1.74x book value, attractively priced
Strong revenue growth at 20.10% annually
59.04% held by institutions, strong professional interest
Supporting Valuation Data
Five Star Bancorp (FSBC) Areas to Watch (3)
Premium valuation at 5.2x annual revenue
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Supporting Valuation Data
Five Star Bancorp (FSBC) Detailed Analysis Report
Overall Assessment
This company scores 68/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 6 register as strengths (avg 9.0/10) while 3 fall into concern territory (avg 4.7/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.74) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 57.90%, Profit Margin at 41.40%. Growth metrics are encouraging with Revenue Growth at 20.10%, EPS Growth at 32.60%.
The Bear Case
The primary concerns are Price/Sales, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (5.23) suggest expensive pricing. Profitability pressure is visible in Return on Equity at 14.60%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 14.60% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 20.10% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, EPS Growth) and negatives (Price/Sales, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
FSBC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
FSBC's Price-to-Sales ratio of 5.23x trades at a deep discount to its historical average of 18.08x (42th percentile). The current valuation is 94% below its historical high of 93.78x set in Nov 2024, and 92% above its historical low of 2.72x in Apr 2025. Over the past 12 months, the PS ratio has expanded from ~2.8x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Five Star Bancorp (FSBC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Five Star Bancorp is a strong growth company balancing expansion with improving profitability. Revenue reached 149M with 20% growth year-over-year. Profit margins are strong at 41.4%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 41.4% and operating margin of 57.9% demonstrate strong pricing power and operational efficiency.
Generating 20M in free cash flow and 21M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Growth sustainability: can Five Star Bancorp maintain 20%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Five Star Bancorp.
Bottom Line
Five Star Bancorp offers an attractive blend of growth (20% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Five Star Bancorp(FSBC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Five Star Bancorp is the banking holding company for Five Star Bank offering a range of banking products and services to small and medium-sized businesses, professionals and individuals. The company is headquartered in Rancho Cordova, California.