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Five Star Bancorp FSBC NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score
76/100
5/7 Pass
SharesGrow Intrinsic Value
$84.42
+107.2%
Analyst Price Target
$41.00
+0.6%

Five Star Bancorp (FSBC) is a Banks - Regional company in the Financial Services sector, currently trading at $40.74. It has a SharesGrow Score of 76/100, indicating a strong investment profile with 5 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of FSBC = $84.42 (+107.2% from the current price, the stock appears undervalued). Analyst consensus target is FSBC = $41 (+0.6% upside).

Valuation: FSBC trades at a trailing Price-to-Earnings (P/E) of 13.8 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.94.

Financials: revenue is $255M, +27.9%/yr average growth. Net income is $62M, growing at +12.4%/yr. Net profit margin is 24.1% (strong). Gross margin is 58.2% (-24.4 pp trend).

Balance sheet: total debt is $98M against $446M equity (Debt-to-Equity (D/E) ratio 0.22, conservative). Current ratio is 22.99 (strong liquidity). Debt-to-assets is 2.1%. Total assets: $4.8B.

Analyst outlook: 3 / 4 analysts rate FSBC as buy (75%) — strong consensus.

SharesGrow 7-Criteria breakdown: Value 71/100 (Pass), Growth 90/100 (Pass), Past 100/100 (Pass), Health 67/100 (Partial), Moat 49/100 (Partial), Future 67/100 (Pass), Income 85/100 (Pass).

$41.00
▲ 0.64% Upside
Average Price Target
Based on 4 Wall Street analysts offering 12-month price targets for Five Star Bancorp, the average price target is $41.00, with a high forecast of $45.00, and a low forecast of $37.00.
Highest Price Target
$45.00
Average Price Target
$41.00
Lowest Price Target
$37.00

FSBC SharesGrow Score Overview

76/100
SharesGrow Score
Strong investment profile
View full scorecard →
VALUE 71/100
Valuation — P/E, PEG, Forward PEG
GROWTH 90/100
Financials — average growth
PAST 100/100
strong — trend
HEALTH 67/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 49/100
Gross margin is + market cap
FUTURE 67/100
Analyst outlook — as buy
INCOME 85/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — FSBC

✓
VALUE Pass
71/100
FSBC trades at a trailing Price-to-Earnings (P/E) of 13.8 (S&P 500 average ~25). Forward PEG 0.94 — Peter Lynch undervalued (≤1.0). Trailing PEG 1.86. Analyst consensus target is $41, implying +0.6% from the current price $41. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
View details →
✓
GROWTH Pass
90/100
FSBC: +27.9%/yr revenue is, +12.4%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
View details →
✓
PAST Pass
100/100
FSBC: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.
View details →
~
HEALTH Partial
67/100
Balance sheet FSBC: Debt-to-Equity (D/E) ratio 0.22 (conservative), Current ratio is 22.99 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
View details →
~
MOAT Partial
49/100
FSBC: Gross margin is 58.2% (-24.4 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 49/100. ≥ 70 = Pass.
View details →
✓
FUTURE Pass
67/100
Analyst outlook: 3 / 4 analysts rate FSBC as buy (75%). Analyst consensus target is $41 (+0.6% upside). Score: 60% buy consensus + 40% upside. ≥ 60 = Pass.
View details →
✓
INCOME Pass
85/100
FSBC: Net profit margin is 24.1%. healthy (≥15%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
View details →

Stock Chart & Stats

Market Data
52-Week Range22.22-42.26
Volume52.26K
Avg Volume (30D)77.18K
Market Cap$870.86M
Beta (1Y)0.52
Dividend Yield$0.8500
Share Statistics
EPS (TTM)2.90
Shares Outstanding$21.22M
IPO Date2021-05-04
Employees205
CEOJames Eugene Beckwith
Financial Highlights & Ratios
Revenue (TTM)$255.47M
Gross Profit$148.74M
EBITDA$86.78M
Net Income$61.61M
Operating Income$83.73M
Total Cash$567.57M
Total Debt$97.79M
Net Debt$-375.09M
Total Assets$4.75B
Price / Earnings (P/E)14
Price / Sales (P/S)3.41
Analyst Forecast
1Y Price Target$41.00
Target High$45.00
Target Low$37.00
Upside+0.6%
Rating ConsensusBuy
Analysts Covering4
Buy 75% Hold 25% Sell 0%
Price Target Summary
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINUS33830T1034

Price Chart

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FSBC
Five Star Bancorp ↗  ·  NASDAQ Global Select
Financial Services • Banks - Regional
22.22 52WK RANGE 42.26

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