Five Star Bancorp Common Stock (FSBC)

Price$40.23

Favorite Metrics

Price vs S&P 500 (26W)25.11%

Price vs S&P 500 (4W)7.41%

Market Capitalization$870.65M

P/E Ratio (Annual)14.13x

Indicated Dividend Yield (Annual)2.09%

All Metrics

P/CF (Annual)11.99x

Book Value / Share (Quarterly)$20.87

Indicated Dividend (Annual)$0.80

Cash Flow / Share (Quarterly)$3.34

Payout Ratio (TTM)27.73%

Price vs S&P 500 (YTD)11.19%

EPS (TTM)$2.90

10-Day Avg Trading Volume0.07M

EPS Excl Extra (TTM)$2.90

EPS (Annual)$2.90

Dividend / Share (Annual)$0.80

ROI (Annual)11.85%

P/E Basic Excl Extra (TTM)14.13x

EPS Growth (5Y)5.63%

P/E Normalized (Annual)14.13x

ROA (Last FY)1.30%

EBITD / Share (TTM)$4.08

ROE (5Y Avg)15.56%

Cash Flow / Share (Annual)$3.34

P/B Ratio1.95x

P/B Ratio (Quarterly)1.71x

Net Income / Employee (Annual)$0

ROA (TTM)1.36%

EPS Growth QoQ (YoY)32.19%

EV / EBITDA (TTM)10.87x

EPS Incl Extra (Annual)$2.90

3-Month Avg Trading Volume0.07M

52-Week Price Return58.24%

EV / Free Cash Flow (Annual)13.23x

P/E Incl Extra (TTM)14.13x

52-Week High$42.26

EPS Excl Extra (Annual)$2.90

CapEx CAGR (5Y)7.60%

26-Week Price Return29.10%

13-Week Price Return11.28%

Total Debt / Equity (Annual)0.17x

Enterprise Value$944.692

3-Month Return Std Dev25.13%

Net Income / Employee (TTM)$0

EBITDA CAGR (5Y)17.89%

EBITDA Interim CAGR (5Y)20.48%

ROE (Last FY)13.82%

EPS Basic Excl Extra (Annual)$2.90

P/FCF (TTM)12.19x

EV / Free Cash Flow (TTM)13.23x

Total Debt / Equity (Quarterly)0.17x

EPS Incl Extra (TTM)$2.90

ROI (TTM)12.34%

Forward P/E12.10x

Free OCF CAGR (5Y)7.11%

Price vs S&P 500 (52W)28.41%

P/E Ratio (TTM)14.13x

EPS Growth TTM (YoY)27.58%

Year-to-Date Return13.83%

5-Day Price Return-0.05%

EPS Normalized (Annual)$2.90

ROA (5Y Avg)1.36%

Month-to-Date Return7.98%

EBITD / Share (Annual)$4.04

EPS Growth (3Y)3.60%

LT Debt / Equity (Annual)0.17x

P/CF (TTM)11.99x

ROI (5Y Avg)12.93%

P/E Excl Extra (TTM)14.13x

LT Debt / Equity (Quarterly)0.17x

EPS Basic Excl Extra (TTM)$2.90

Payout Ratio (Annual)27.73%

P/B Ratio (Annual)1.71x

Dividend / Share (TTM)$0.80

Book Value / Share (Annual)$20.87

Price vs S&P 500 (13W)10.60%

Dividend Yield (TTM)1.96%

Beta0.54x

P/FCF (Annual)12.19x

ROE (TTM)14.49%

52-Week Low$25.07

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

4.18

3.90

3.91

Industry Peers — State Banks(184)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
FSBCFive Star Bancorp Common Stock	1.71x	14.49%	1.36%	—	$40.23
ITUBItau Unibanco Holding S.A. American Depositary Shares	2.03x	20.76%	1.50%	—	$9.33
BNSBank of Nova Scotia	1.45x	10.41%	0.62%	—	$75.00
BKBank of New York Mellon Corporation	1.83x	12.66%	1.20%	—	$134.84
FITBFifth Third Bancorp	1.42x	11.96%	1.19%	—	$49.52
FITBIFifth Third Bancorp Depositary Shares	1.42x	11.96%	1.19%	—	$25.32
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	1.42x	11.96%	1.19%	—	$25.83
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	1.42x	11.96%	1.19%	—	$19.38
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A	1.42x	11.96%	1.19%	—	$24.05
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	1.04x	9.84%	0.81%	—	$4.15
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	1.04x	9.84%	0.81%	—	$3.72

About

Five Star Bancorp is a bank holding company serving small and medium-sized businesses, professionals, and individuals through its California state-chartered bank. It provides a comprehensive range of lending products, including commercial real estate, construction, and farmland loans, along with deposit products such as checking, savings, money market, and certificate accounts.