Stock Scorecard
Stock Summary for Five Star Bancorp (FSBC) - $28.54 as of 5/8/2025 8:12:40 PM EST
Total Score
15 out of 30
Safety Score
58 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for FSBC
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for FSBC
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for FSBC
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for FSBC
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for FSBC (58 out of 100)
| Stock Price Rating (Max of 10) | 7 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 7 |
| Book Value (Max of 10) | 6 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 8 |
| Trading Volume (Max of 10) | 2 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for FSBC
Financial Details for FSBC
Company Overview |
|
|---|---|
| Ticker | FSBC |
| Company Name | Five Star Bancorp |
| Country | USA |
| Description | 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. |
| Sector Name | FINANCE |
| Industry Name | STATE COMMERCIAL BANKS |
| Most Recent Quarter | 3/31/2025 |
| Next Earnings Date | 5/16/2025 |
Stock Price History |
|
| Last Day Price | 28.54 |
| Price 4 Years Ago | 27.11 |
| Last Day Price Updated | 5/8/2025 8:12:40 PM EST |
| Last Day Volume | 33,649 |
| Average Daily Volume | 64,162 |
| 52-Week High | 34.65 |
| 52-Week Low | 21.49 |
| Last Price to 52 Week Low | 32.81% |
Valuation Measures |
|
| Trailing PE | 12.40 |
| Industry PE | 16.15 |
| Sector PE | 18.79 |
| 5-Year Average PE | 17.67 |
| Free Cash Flow Ratio | 1.48 |
| Industry Free Cash Flow Ratio | 6.75 |
| Sector Free Cash Flow Ratio | 25.54 |
| Current Ratio Most Recent Quarter | 0.28 |
| Total Cash Per Share | 19.23 |
| Book Value Per Share Most Recent Quarter | 19.06 |
| Price to Book Ratio | 1.48 |
| Industry Price to Book Ratio | 1.05 |
| Sector Price to Book Ratio | 2.06 |
| Price to Sales Ratio Twelve Trailing Months | 4.81 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.02 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.16 |
| Analyst Buy Ratings | 2 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 21,329,200 |
| Market Capitalization | 608,735,368 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 5/5/2025 |
| Previous Dividend Amount | 0.2000 |
| Current Dividend Amount | 0.2000 |
| Total Years Dividend Increasing | 4 |
| Trailing Annual Dividend Rate | 0.80 |
| Trailing Annual Dividend Yield | 2.88% |
| Forward Annual Dividend Rate | 0.80 |
| Forward Annual Dividend Yield | 2.88% |
| 5-Year Dividend Payments Count | 16 |
| 3-Year Average Dividend Yield | 2.70% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 15.47% |
| Dividend Payout Ratio | 35.40% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 0.00% |
| Annual Earnings Growth | -4.32% |
| Reported EPS 12 Trailing Months | 2.26 |
| Reported EPS Past Year | 0.62 |
| Reported EPS Prior Year | 2.28 |
| Net Income Twelve Trailing Months | 48,151,000 |
| Net Income Past Year | 45,671,000 |
| Net Income Prior Year | 47,734,000 |
| Quarterly Revenue Growth YOY | 20.80% |
| 5-Year Revenue Growth | 16.59% |
| Operating Margin Twelve Trailing Months | 56.40% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 410,098,000 |
| Total Cash Past Year | 356,464,000 |
| Total Cash Prior Year | 321,576,000 |
| Net Cash Position Most Recent Quarter | 336,203,000 |
| Net Cash Position Past Year | 282,569,000 |
| Long Term Debt Past Year | 73,895,000 |
| Long Term Debt Prior Year | 243,749,000 |
| Total Debt Most Recent Quarter | 73,895,000 |
| Equity to Debt Ratio Past Year | 0.84 |
| Equity to Debt Ratio Most Recent Quarter | 0.85 |
| Total Stockholder Equity Past Year | 396,624,000 |
| Total Stockholder Equity Prior Year | 285,774,000 |
| Total Stockholder Equity Most Recent Quarter | 406,451,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 47,956,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.25 |
| Free Cash Flow Past Year | 51,158,000 |
| Free Cash Flow Prior Year | 38,261,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.26 |
| MACD Signal | -0.02 |
| 20-Day Bollinger Lower Band | 25.06 |
| 20-Day Bollinger Middle Band | 28.57 |
| 20-Day Bollinger Upper Band | 32.08 |
| Beta | 0.50 |
| RSI | 55.86 |
| 50-Day SMA | 28.06 |
| 150-Day SMA | 24.37 |
| 200-Day SMA | 24.43 |
System |
|
| Modified | 5/8/2025 12:09:40 AM EST |