$42.23
0.01 (-0.02%)
Last updated: May 30, 2026 23:21
Fundamentals Overview
Five Star Bancorp is near the high of its 52-week range with attractive valuation, trading relatively flat today.
Valuation attractive
Intrinsic value (DCF)
+54.1% upside vs price
Profitability
Risk (Beta)
0.53 — lower vol
Earnings & growth
BullzEye Analysis
Our composite tilts Buy on technicals (e.g. RSI, ADX, trend), fundamentals, sentiment, sector and index context, and risk.
Composite Signal
Supporting (Buy):
DCF +54.1% upside vs price · Analyst grade: B+ · 3M vs Financial Services sector: +5.7%
Not financial advice. For education and research only; do your own research and consider a financial advisor before investing.
Key Stats
About
Ratings & Grades at a Glance
Overall rating: B+. Current institutional positions: Buy: 9, Equal Weight: 1, Market Perform: 8, Outperform: 2, Overweight: 5.
Valuation & Ratios
Valuation, liquidity, and profitability metrics are consolidated here (including ratios that previously appeared in the Financials story). Trailing (TTM) vs forward-looking (e.g. DCF) is noted on each line where it matters.
DCF vs price: DCF estimate is $65.08; current price is $42.23. That’s a +54.1% gap. When the gap is large (e.g. >20%), that’s divergence; when they’re close, that’s convergence. Differences can reflect growth expectations, sector premiums, or conservative vs. optimistic assumptions. Use DCF as one input alongside technicals and sentiment.
| Metric | Value |
|---|---|
| Valuation | |
| P/E (TTM) | 13.4 |
| DCF value (model) | $65.08 (54.1% upside) |
| PEG (TTM) | 0.34 |
| P/B (TTM) | 1.96 |
| P/S (TTM) | 3.39 |
| P/FCF (TTM) | 12.07 |
| Liquidity & enterprise | |
| Current Ratio (TTM) | 0.01 |
| Quick Ratio (TTM) | 0.01 |
| Cash Ratio (TTM) | 0.01 |
| Profitability | |
| ROE (TTM) | N/A |
| ROA (TTM) | N/A |
| Revenue growth (YoY) | N/A |
| Net margin (TTM) | 25.23% |
| Gross margin (TTM) | 59.29% |
| Operating margin (TTM) | 33.97% |
| Debt to equity (TTM) | N/A |
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Price Target, Ratings & Grades
Analyst price targets, consensus, rating snapshot, and institutional grades for FSBC.
Analyst Sentiment at a Glance
Stock Grades (Institutions)
| Institution | Action | Previous Grade | New Grade | Date |
|---|---|---|---|---|
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2026-05-01 |
| DA Davidson | maintain | Buy | Buy | 2026-04-29 |
| Stephens & Co. | maintain | Equal Weight | Equal Weight | 2026-04-29 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2026-01-29 |
| DA Davidson | maintain | Buy | Buy | 2026-01-28 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2025-10-30 |
| Raymond James | maintain | Outperform | Outperform | 2025-10-29 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2025-07-28 |
| DA Davidson | maintain | Buy | Buy | 2025-07-25 |
| DA Davidson | maintain | Buy | Buy | 2025-04-30 |
| Raymond James | maintain | Outperform | Outperform | 2025-04-30 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2025-01-30 |
| DA Davidson | maintain | Buy | Buy | 2025-01-30 |
| Stephens & Co. | maintain | Overweight | Overweight | 2025-01-30 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-12-04 |
| DA Davidson | maintain | Buy | Buy | 2024-10-30 |
| Stephens & Co. | maintain | Overweight | Overweight | 2024-07-26 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-07-26 |
| DA Davidson | maintain | Buy | Buy | 2024-07-26 |
| DA Davidson | maintain | Buy | Buy | 2024-04-30 |
| DA Davidson | maintain | Buy | Buy | 2024-04-01 |
| Keefe, Bruyette & Woods | maintain | Market Perform | Market Perform | 2024-04-01 |
| Stephens & Co. | maintain | Overweight | Overweight | 2023-11-01 |
| Stephens & Co. | maintain | Overweight | Overweight | 2023-07-25 |
| Stephens & Co. | maintain | Overweight | Overweight | 2022-10-28 |