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Five Star

NSQ:FSBC · US33830T1034
BanksSmall

360

61
Profit price31
Cash yield81
Price/Sales23
EV / Gross Profit78
Price/Book49
Returns on capital94
Profit margins—
Cash Conversion44
Accruals5
Owner Earnings Margin92
Sales growth67
Profit Growth61
Owner Earnings Growth78
Reinvestment37
Price momentum82
Debt load98
Debt serviceability15
Liquidity54
Analyst ratings48
Opinion Changes50
Price Target Upside21
Market mood1
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Five Star generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded2002
Websitefivestarbank.com
ISINUS33830T1034
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)

Description

Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a broad range of banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California through vario…

Analysis

Beloved champion

Five Star Bancorp sits in the top corner of our grid: excellent business, premium price; every investor already knows the story.

On valuation, the picture is attractive. The owner-earnings multiple stands at 13.9×; owner earnings: the cash an owner could take out each year.

Growth is solid; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
56
2023202420252026

All-time high

100

Dec 2025

All-time low

56

Jun 2026

Average rank

88

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
23
13
22
13
Price/Earnings
37
46
72
26
Price/Book
49
5
7
7
Dividend Yield
81
48
58
48
Value (overall)
47
18
28
18

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →