Five Star Bancorp Stock Analysis
| FSBC Stock | USD 41.38 0.26 0.63% |
Five Star Bancorp has over 97.78 Million in debt which may indicate that it relies heavily on debt financing. With a high degree of financial leverage come high-interest payments, which usually reduce Five Star's Earnings Per Share (EPS).
Asset vs Debt
Equity vs Debt
Five Star's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. Five Star's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps Five Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect Five Star's stakeholders.
For many companies, including Five Star, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for Five Star Bancorp, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, Five Star's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Given that Five Star's debt-to-equity ratio measures a Company's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which Five Star is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of Five Star to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, Five Star is said to be less leveraged. If creditors hold a majority of Five Star's assets, the Company is said to be highly leveraged.
Five Star Bancorp is undervalued with Real Value of 44.14 and Hype Value of 41.44. The main objective of Five Star stock analysis is to determine its intrinsic value, which is an estimate of what Five Star Bancorp is worth, separate from its market price. There are two main types of Five Star's stock analysis: fundamental analysis and technical analysis.
The Five Star stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Five Star's ongoing operational relationships across important fundamental and technical indicators.
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Five Star Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. Five Stock Analysis Notes
About 28.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.97. Some equities with similar Price to Book (P/B) outperform the market in the long run. Five Star Bancorp last dividend was issued on the 2nd of February 2026. The entity had 2521:2500 split on the 14th of July 2016. Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California. Five Star operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 163 people. To learn more about Five Star Bancorp call James Beckwith at 916 626 5000 or check out https://www.fivestarbank.com.Five Star Bancorp Investment Alerts
Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Five Star's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Five Star Bancorp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
| Five Star Bancorp has a poor financial position based on the latest SEC disclosures | |
| About 58.0% of the company shares are owned by institutional investors |
Five Market Capitalization
The company currently falls under 'Small-Cap' category with a current market capitalization of 878.99 M.Five Profitablity
The company has Profit Margin (PM) of 0.41 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.58 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.58.Technical Drivers
As of the 7th of February, Five Star shows the Coefficient Of Variation of 541.9, mean deviation of 1.3, and Downside Deviation of 1.43. Five Star Bancorp technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.Five Star Bancorp Price Movement Analysis
The output start index for this execution was fourty-nine with a total number of output elements of twelve. The Weighted Moving Average calculates a weight for each value in Five Star price series with the more recent values given greater weights.
Five Star Bancorp Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Five Star insiders, such as employees or executives, is commonly permitted as long as it does not rely on Five Star's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Five Star insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Five Star Outstanding Bonds
Five Star issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Five Star Bancorp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Five bonds can be classified according to their maturity, which is the date when Five Star Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| PRU 5997 15 FEB 53 Corp BondUS33835PAA49 | View | |
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| PRU 5791 15 FEB 33 Corp BondUS33830GAA94 | View | |
| US33834DAA28 Corp BondUS33834DAA28 | View |
Five Star Predictive Daily Indicators
Five Star intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Five Star stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Five Star Forecast Models
Five Star's time-series forecasting models are one of many Five Star's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Five Star's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.Five Star Bond Ratings
Five Star Bancorp financial ratings play a critical role in determining how much Five Star have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Five Star's borrowing costs.| Piotroski F Score | 4 | Poor | View |
| Beneish M Score | (2.11) | Possible Manipulator | View |
Five Star Bancorp Debt to Cash Allocation
As Five Star Bancorp follows its natural business cycle, the capital allocation decisions will not magically go away. Five Star's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
Five Star Bancorp currently holds 97.78 M in liabilities with Debt to Equity (D/E) ratio of 10.76, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about Five Star's use of debt, we should always consider it together with its cash and equity.Five Star Assets Financed by Debt
Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Five Star's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Five Star, which in turn will lower the firm's financial flexibility.Five Star Corporate Bonds Issued
Most Five bonds can be classified according to their maturity, which is the date when Five Star Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
About Five Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how Five Star prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Five shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Five Star. By using and applying Five Stock analysis, traders can create a robust methodology for identifying Five entry and exit points for their positions.
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California. Five Star operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 163 people.
Be your own money manager
As an investor, your ultimate goal is to build wealth. Optimizing your investment portfolio is an essential element in this goal. Using our stock analysis tools, you can find out how much better you can do when adding Five Star to your portfolios without increasing risk or reducing expected return.Did you try this?
Run My Watchlist Analysis Now
My Watchlist AnalysisAnalyze my current watchlist and to refresh optimization strategy. Macroaxis watchlist is based on self-learning algorithm to remember stocks you like |
| All Next | Launch Module |
Complementary Tools for Five Stock analysis
When running Five Star's price analysis, check to measure Five Star's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Five Star is operating at the current time. Most of Five Star's value examination focuses on studying past and present price action to predict the probability of Five Star's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Five Star's price. Additionally, you may evaluate how the addition of Five Star to your portfolios can decrease your overall portfolio volatility.
| Price Ceiling Movement Calculate and plot Price Ceiling Movement for different equity instruments | |
| Efficient Frontier Plot and analyze your portfolio and positions against risk-return landscape of the market. | |
| Volatility Analysis Get historical volatility and risk analysis based on latest market data | |
| Commodity Channel Use Commodity Channel Index to analyze current equity momentum | |
| Piotroski F Score Get Piotroski F Score based on the binary analysis strategy of nine different fundamentals | |
| Pair Correlation Compare performance and examine fundamental relationship between any two equity instruments | |
| Investing Opportunities Build portfolios using our predefined set of ideas and optimize them against your investing preferences | |
| Portfolio Analyzer Portfolio analysis module that provides access to portfolio diagnostics and optimization engine |