Stock FSBC FIVE STAR BANCORP
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Financials Five Star Bancorp

Equities

FSBC

US33830T1034

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-05-21 pm EDT 		5-day change 1st Jan Change
23.38 USD -0.38% Intraday chart for Five Star Bancorp +3.96% -10.70%
Apr. 30 Transcript : Five Star Bancorp, Q1 2024 Earnings Call, Apr 30, 2024
Apr. 30 Five Star Bancorp Declares Dividend, Payable on May 13, 2024 CI

Valuation

Fiscal Period: December 2021 2022 2023 2024 2025
Capitalization 1 516.7 469.8 451.8 500.4 -
Enterprise Value (EV) 1 516.7 469.8 451.8 500.4 500.4
P/E ratio 10.6 x 10.4 x 9.42 x 10.9 x 9.62 x
Yield 4.83% 2.2% 2.86% 3.42% 3.42%
Capitalization / Revenue 6.14 x 4.26 x 3.81 x 4.05 x 3.47 x
EV / Revenue 6.14 x 4.26 x 3.81 x 4.05 x 3.47 x
EV / EBITDA - - - - -
EV / FCF - - - - -
FCF Yield - - - - -
Price to Book 2.2 x 1.86 x 1.58 x 1.26 x 1.15 x
Nbr of stocks (in thousands) 17,224 17,246 17,257 21,320 -
Reference price 2 30.00 27.24 26.18 23.38 23.38
Announcement Date 1/31/22 1/30/23 1/29/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2020 2021 2022 2023 2024 2025
Net sales 1 - 84.17 110.2 118.6 123.5 144.1
EBITDA - - - - - -
EBIT 1 - 48.85 69.56 70.62 73.59 88.32
Operating Margin - 58.04% 63.11% 59.56% 59.61% 61.3%
Earnings before Tax (EBT) 1 - 47.15 62.86 66.62 61.22 72.9
Net income 1 35.93 42.44 44.8 47.73 43.46 51.75
Net margin - 50.42% 40.65% 40.26% 35.21% 35.92%
EPS 2 3.570 2.830 2.610 2.780 2.153 2.430
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 - 1.450 0.6000 0.7500 0.8000 0.8000
Announcement Date 2/12/21 1/31/22 1/30/23 1/29/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 23.13 24.04 26.49 28.96 30.74 30.52 30.4 28.86 28.78 28.58 30.36 31.74 32.89 33.61 35.44
EBITDA - - - - - - - - - - - - - - -
EBIT 1 14.13 14.47 16.28 18.78 20.02 19.4 18.42 16.84 15.95 15.86 18.39 19.49 20.15 20.2 21.7
Operating Margin 61.08% 60.19% 61.47% 64.87% 65.13% 63.57% 60.59% 58.37% 55.42% 55.5% 60.58% 61.41% 61.26% 60.11% 61.23%
Earnings before Tax (EBT) 1 12.63 13.52 14.03 16.53 18.77 18.5 17.17 15.8 15.15 14.96 14.78 15.52 16.07 15.81 17.3
Net income 1 11.31 9.862 9.953 11.7 13.28 13.16 12.73 11.04 10.8 10.63 10.48 11.03 11.41 11.21 12.3
Net margin 48.89% 41.02% 37.58% 40.42% 43.21% 43.12% 41.87% 38.27% 37.52% 37.2% 34.52% 34.76% 34.7% 33.36% 34.72%
EPS 2 0.6600 0.5800 0.5800 0.6800 0.7700 0.7700 0.7400 0.6400 0.6300 0.6200 0.4900 0.5167 0.5367 0.5333 0.5833
Dividend per Share 2 0.1500 0.1500 0.1500 0.1500 0.1500 0.1500 0.2000 0.2000 0.2000 - 0.2000 0.2000 0.2000 0.2000 0.2000
Announcement Date 1/31/22 4/26/22 7/26/22 10/24/22 1/30/23 4/24/23 7/24/23 10/30/23 1/29/24 4/29/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2020 2021 2022 2023 2024 2025
Net Debt - - - - - -
Net Cash position - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) - 22.5% 18.8% 17.9% 12.1% 12.5%
ROA (Net income/ Total Assets) - 1.86% 1.57% 1.44% 1.19% 1.28%
Assets 1 - 2,282 2,854 3,315 3,663 4,054
Book Value Per Share 2 - 13.70 14.70 16.60 18.60 20.30
Cash Flow per Share - - - - - -
Capex - - - - - -
Capex / Sales - - - - - -
Announcement Date 2/12/21 1/31/22 1/30/23 1/29/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Five Star Bancorp

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
3
Last Close Price
23.47 USD
Average target price
27.67 USD
Spread / Average Target
+17.88%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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