Five Star Bancorp Key Fundamental Indicators

Five Star Balance Sheet		Trends
Current Value Last Year Historical Average  10 Year Trend Total Assets 2.5 B 4.8 B 1.6 B Slightly volatile Short and Long Term Debt Total 100 M 97.8 M 79.4 M Slightly volatile Total Stockholder Equity 468.1 M 445.8 M 153.7 M Slightly volatile Property Plant And Equipment Net 13.6 M 12.9 M 4.7 M Slightly volatile Retained Earnings 158.5 M 151 M 43.3 M Slightly volatile Cash 235.8 M 409.9 M 154.1 M Slightly volatile Non Current Assets Total 4.3 B 4.1 B 1.5 B Slightly volatile Cash And Short Term Investments 323.5 M 522.9 M 214.4 M Slightly volatile Net Receivables 29.4 M 28 M 7.8 M Slightly volatile Common Stock Shares Outstanding 12.6 M 21.3 M 8.2 M Slightly volatile Short Term Investments 87.7 M 112.9 M 60.3 M Slightly volatile Liabilities And Stockholders Equity 2.5 B 4.8 B 1.6 B Slightly volatile Non Current Liabilities Total 101.9 M 113.5 M 81.9 M Slightly volatile Total Liabilities 2.3 B 4.3 B 1.4 B Slightly volatile Total Current Assets 354.7 M 507 M 219.7 M Slightly volatile Common Stock 161.8 M 304 M 96.1 M Slightly volatile Total Current Liabilities 2.2 B 3.5 B 1.2 B Slightly volatile Common Stock Total Equity 132.9 M 126.6 M 53.3 M Slightly volatile Property Plant And Equipment Gross 15.9 M 15.1 M 5.5 M Slightly volatile Short Term Debt 1.7 M 1.8 M 26.6 M Slightly volatile Other Current Liabilities 2.9 B 3.5 B 1.9 B Slightly volatile Other Liabilities 7.3 M 8.4 M 6.2 M Slightly volatile Net Tangible Assets 200.9 M 290.7 M 159.3 M Slightly volatile Accounts Payable 9.8 M 16.7 M 8.5 M Slightly volatile Long Term Debt 110.2 M 85 M 75 M Slightly volatile Other Current Assets 385.5 M 507 M 273.3 M Slightly volatile Net Invested Capital 369.3 M 541.1 M 257.9 M Slightly volatile Long Term Investments 131.5 M 126.3 M 104.5 M Slightly volatile Capital Stock 214 M 347.9 M 152.6 M Slightly volatile Intangible Assets 2.2 M 2 M 1.8 M Slightly volatile Property Plant Equipment 6.7 M 6.4 M 2.7 M Slightly volatile Earning Assets 160.5 M 191.5 M 143.4 M Slightly volatile Capital Lease Obligations 6.1 M 7.9 M 4.8 M Slightly volatile
Five Star Income Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Interest Expense 101.9 M 97 M 24 M Slightly volatile Selling General Administrative 21.5 M 40.7 M 14.7 M Slightly volatile Total Revenue 268.2 M 255.5 M 68.4 M Slightly volatile Gross Profit 156.2 M 148.7 M 45.9 M Slightly volatile Other Operating Expenses 180.3 M 171.7 M 43.9 M Slightly volatile Total Operating Expenses 68.3 M 65 M 21.4 M Slightly volatile Income Before Tax 43.5 M 83.7 M 26 M Slightly volatile Net Income 34 M 61.6 M 20.4 M Slightly volatile Income Tax Expense 23.2 M 22.1 M 6.5 M Slightly volatile Tax Provision 11.8 M 21.9 M 6.3 M Slightly volatile Net Interest Income 97.5 M 137.7 M 73.2 M Slightly volatile Interest Income 130.4 M 238 M 97.7 M Slightly volatile Selling And Marketing Expenses 1.9 M 2.8 M 1.6 M Slightly volatile Net Income From Continuing Ops 45.5 M 52.5 M 35.9 M Slightly volatile Cost Of Revenue 112.1 M 106.7 M 31.6 M Slightly volatile Reconciled Depreciation 2.3 M 2.2 M 822.7 K Slightly volatile Net Income Applicable To Common Shares 41.9 M 51.5 M 35.2 M Slightly volatile
Five Star Cash Flow Statement		Trends
Current Value Last Year Historical Average  10 Year Trend Begin Period Cash Flow 225.3 M 352.3 M 135.7 M Slightly volatile Net Income 30.2 M 52.5 M 19.6 M Slightly volatile Total Cash From Financing Activities 316.6 M 489.6 M 203 M Slightly volatile End Period Cash Flow 4 B 3.8 B 565.8 M Slightly volatile Dividends Paid 23.5 M 18.7 M 13.1 M Slightly volatile
Financial Ratios		Trends
Current Value Last Year Historical Average  10 Year Trend Price To Sales Ratio 2.82 2.9727 66.6129 Very volatile Dividend Yield 0.0212 0.0224 0.4989 Slightly volatile PTB Ratio 1.14 1.7034 1.203 Slightly volatile Days Sales Outstanding 25.02 37.73 31.6067 Pretty Stable Book Value Per Share 22.47 21.0053 19.2328 Pretty Stable Stock Based Compensation To Revenue 0.0075 0.0063 0.0088 Slightly volatile PB Ratio 1.14 1.7034 1.203 Slightly volatile Net Income Per Share 2.58 2.9025 2.1429 Slightly volatile Payables Turnover 2.06 1.71 2.3545 Slightly volatile Sales General And Administrative To Revenue 0.15 0.1592 13.4132 Very volatile Capex To Revenue 0.0032 0.0034 0.741 Very volatile Cash Per Share 39.77 25.94 27.6581 Pretty Stable Interest Coverage 0.82 0.863 1.7219 Slightly volatile Payout Ratio 0.26 0.2756 0.7312 Slightly volatile Days Payables Outstanding 201 221 180 Slightly volatile ROE 0.11 0.1382 0.0925 Slightly volatile PE Ratio 19.18 12.3271 29.0655 Slightly volatile Return On Tangible Assets 0.0089 0.013 0.0077 Slightly volatile Earnings Yield 0.0771 0.0811 0.1009 Pretty Stable Intangibles To Total Assets 0.0011 0.001 0.001 Slightly volatile Current Ratio 0.14 0.1445 1.2619 Slightly volatile Tangible Book Value Per Share 22.44 21.0053 19.2148 Pretty Stable Receivables Turnover 9.29 7.84 10.9002 Very volatile Graham Number 28.49 37.0378 26.1694 Slightly volatile Shareholders Equity Per Share 22.47 21.0053 19.2328 Pretty Stable Debt To Equity 0.21 0.2193 1.1687 Slightly volatile Capex Per Share 0.034 0.0358 0.1479 Slightly volatile Revenue Per Share 7.7 12.0363 7.3946 Slightly volatile Interest Debt Per Share 8.72 9.1786 22.6546 Slightly volatile Debt To Assets 0.0195 0.0206 0.1249 Slightly volatile Price Earnings Ratio 19.18 12.3271 29.0655 Slightly volatile Operating Cycle 25.02 37.73 31.6067 Pretty Stable Price Book Value Ratio 1.14 1.7034 1.203 Slightly volatile Days Of Payables Outstanding 201 221 180 Slightly volatile Dividend Payout Ratio 0.26 0.2756 0.7312 Slightly volatile Pretax Profit Margin 0.31 0.3278 1.4504 Very volatile Operating Profit Margin 0.31 0.3278 1.4504 Very volatile Effective Tax Rate 0.26 0.2642 0.2315 Very volatile Company Equity Multiplier 9.15 10.6651 10.3017 Slightly volatile Long Term Debt To Capitalization 0.15 0.1616 0.4532 Slightly volatile Total Debt To Capitalization 0.17 0.1799 0.4626 Slightly volatile Return On Capital Employed 0.088 0.0671 0.0687 Slightly volatile Debt Equity Ratio 0.21 0.2193 1.1687 Slightly volatile Ebit Per Revenue 0.31 0.3278 1.4504 Very volatile Quick Ratio 0.14 0.1445 1.2619 Slightly volatile Net Income Per E B T 0.61 0.7358 0.7609 Pretty Stable Cash Ratio 0.11 0.12 0.4651 Slightly volatile Days Of Sales Outstanding 25.02 37.73 31.6067 Pretty Stable Price To Book Ratio 1.14 1.7034 1.203 Slightly volatile Fixed Asset Turnover 20.25 19.7868 16.8489 Slightly volatile Debt Ratio 0.0195 0.0206 0.1249 Slightly volatile Price Sales Ratio 2.82 2.9727 66.6129 Very volatile Return On Assets 0.0089 0.013 0.0077 Slightly volatile Asset Turnover 0.0294 0.0537 0.0322 Slightly volatile Net Profit Margin 0.23 0.2411 0.6071 Very volatile Gross Profit Margin 0.79 0.5822 0.7433 Pretty Stable Price Fair Value 1.14 1.7034 1.203 Slightly volatile Return On Equity 0.11 0.1382 0.0925 Slightly volatile
Five Star Valuation Data		Trends
Current Value Last Year Historical Average  10 Year Trend Market Cap 607.5 M 683.5 M 746 M Slightly volatile Enterprise Value 685.8 M 771.5 M 842.1 M Slightly volatile

Five Fundamental Market Drivers

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Five Profit Margin Driver Correlations

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Five Star 'What if' Analysis

Hype Prediction Low Estimated High 39.06 40.74 42.42 Details

Intrinsic Valuation Low Real High 36.49 43.91 45.59 Details

4 Analysts Consensus Low Target High 38.22 42.00 46.62 Details

Earnings Estimates (0) Low Projected EPS High 0.81 0.83 0.85 Details

Please note, it is not enough to conduct a financial or market analysis of a single entity such as Five Star. Your research has to be compared to or analyzed against Five Star's peers to derive any actionable benefits. When done correctly, Five Star's competitive analysis will give you plenty of quantitative and qualitative data to validate your investment decisions or develop an entirely new strategy toward taking a position in Five Star Bancorp.

Five Star February 14, 2026 Technical Indicators

Five Star Bancorp Backtested Returns

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Net Profit Margin Over Time

Five Pretax Profit Margin

Five Star Bancorp Fundamental Drivers Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Five Star's current stock value. Our valuation model uses many indicators to compare Five Star value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Five Star competition to find correlations between indicators driving Five Star's intrinsic value. More Info.Five Star Bancorp is one of the top stocks in return on equity category among its peers. It is rated # 2 in return on asset category among its peers reporting about  0.10  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Five Star Bancorp is roughly  10.45 . At present, Five Star's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Five Star's earnings, one of the primary drivers of an investment's value.

Five Profit Margin Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Five Star's direct or indirect competition against its Profit Margin to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Five Star could also be used in its relative valuation, which is a method of valuing Five Star by comparing valuation metrics of similar companies.

Five Star ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Five Star's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Five Star's managers, analysts, and investors.

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether Five Star Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Five Star's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Five Star Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Five Star Bancorp Stock:

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Altman Z Score Details

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Financial Analysis Details

Buy or Sell Advice Details

Earnings Projections Details