Five Star Valuation
| FSBC Stock | USD 41.38 0.26 0.63% |
At this time, the firm appears to be undervalued. Five Star Bancorp shows a prevailing Real Value of $44.14 per share. The current price of the firm is $41.38. Our model computes the value of Five Star Bancorp from reviewing the firm fundamentals such as Current Valuation of 463.14 M, shares outstanding of 21.38 M, and Profit Margin of 0.41 % as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Five Star's valuation include:
Price Book 1.9815 | Enterprise Value | Price Sales 5.9469 | Trailing PE 14.269 | Enterprise Value Revenue 6.1735 |
Undervalued
Today
Please note that Five Star's price fluctuation is very steady at this time. Calculation of the real value of Five Star Bancorp is based on 3 months time horizon. Increasing Five Star's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Five Star is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Five Stock. However, Five Star's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 41.38 | Real 44.14 | Target 42.0 | Hype 41.43 |
The real value of Five Stock, also known as its intrinsic value, is the underlying worth of Five Star Bancorp Company, which is reflected in its stock price. It is based on Five Star's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Five Star's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of Five Star Bancorp helps investors to forecast how Five stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Five Star more accurately as focusing exclusively on Five Star's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Five Star's intrinsic value based on its ongoing forecasts of Five Star's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Five Star's closest peers. If more than one evaluation category is relevant for Five Star we suggest using both methods to arrive at a better estimate.
Five Star Cash |
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Five Revenue by Product
Five Star Total Value Analysis
Five Star Bancorp is currently forecasted to have valuation of 463.14 M with market capitalization of 884.55 M, debt of 97.78 M, and cash on hands of 327.88 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Five Star fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
463.14 M | 884.55 M | 97.78 M | 327.88 M |
Five Star Investor Information
About 28.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.98. 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. Based on the analysis of Five Star's profitability, liquidity, and operating efficiency, Five Star Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.31 | 0.3278 |
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Five Star Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Five Star has an asset utilization ratio of 5.37 percent. This indicates that the Company is making $0.0537 for each dollar of assets. An increasing asset utilization means that Five Star Bancorp is more efficient with each dollar of assets it utilizes for everyday operations.Five Star Profitability Analysis
Considering Five Star's profitability and operating efficiency indicators, Five Star Bancorp may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess Five Star's ability to earn profits and add value for shareholders.Net Income | First Reported 2016-06-30 | Previous Quarter 16.3 M | Current Value 17.6 M | Quarterly Volatility 6 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.79 | 0.5822 |
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| Net Profit Margin | 0.23 | 0.2411 |
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| Operating Profit Margin | 0.31 | 0.3278 |
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| Pretax Profit Margin | 0.31 | 0.3278 |
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| Return On Assets | 0.0089 | 0.013 |
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| Return On Equity | 0.11 | 0.1382 |
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For Five Star profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Five Star Bancorp to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Five Star utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Five Star's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Five Star over time as well as its relative position and ranking within its peers.
Five Star Earnings per Share Projection vs Actual
By analyzing Five Star's earnings estimates, investors can diagnose different trends across Five Star's analyst sentiment over time as well as compare current EPS estimates against different timeframes. Please be aware that the consensus of earnings estimates for Five Star Bancorp is based on EPS before non-recurring items and includes expenses related to employee stock options.Five Star Ownership Allocation
Five Star holds a total of 21.38 Million outstanding shares. Over half of Five Star's outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that obtain positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.Five Star Profitability Analysis
The company reported the previous year's revenue of 255.47 M. Net Income was 45.67 M with profit before overhead, payroll, taxes, and interest of 148.74 M.Five Star Past Distributions to stockholders
| 10th of November 2025 | ||
| 11th of August 2025 | ||
| 12th of May 2025 | ||
| 10th of February 2025 | ||
| 12th of November 2024 | ||
| 12th of August 2024 | ||
| 13th of May 2024 | ||
| 6th of May 2024 | ||
| 12th of February 2024 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Five Star's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Five Star and how it compares across the competition.
About Five Star Valuation
The stock valuation mechanism determines Five Star's current worth on a weekly basis. Our valuation model uses a comparative analysis of Five Star. We calculate exposure to Five Star's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Five Star's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 148.7 M | 156.2 M | |
| Pretax Profit Margin | 0.33 | 0.31 | |
| Operating Profit Margin | 0.33 | 0.31 | |
| Net Profit Margin | 0.24 | 0.23 | |
| Gross Profit Margin | 0.58 | 0.79 |
Five Star Quarterly Retained Earnings |
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A single share of Five Star represents a small ownership stake in the entity. As a stockholder of Five, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Five Star Dividends Analysis For Valuation
The current year's Dividends Paid is expected to grow to about 23.5 M, whereas Dividend Yield is forecasted to decline to 0.02. . At present, Five Star's Price Earnings Ratio is projected to decrease significantly based on the last few years of reporting. The current year's Price Earnings To Growth Ratio is expected to grow to 0.46, whereas Earning Assets are forecasted to decline to about 160.5 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 18.7 M | 23.5 M | |
| Dividend Yield | 0.02 | 0.02 | |
| Dividend Payout Ratio | 0.28 | 0.26 | |
| Dividend Paid And Capex Coverage Ratio | 2.76 | 1.41 |
There are various types of dividends Five Star can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Five shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Five Star Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Five pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Five Star by the value of the dividends paid out.
Five Star Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 21.3 M | |
| Quarterly Earnings Growth Y O Y | 0.326 | |
| Forward Annual Dividend Rate | 1 | |
| Shares Float | 14.7 M |
Five Star Current Valuation Indicators
Valuation refers to the process of determining the present value of Five Star Bancorp and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Five we look at many different elements of the entity such as Five's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Five Star, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Five Star's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Five Star's worth.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.
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