US · FSBC
Five Star Bancorp
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Rancho Cordova, CA 95670
- Website
- fivestarbank.com
Price · as of 2025-12-31
$41.09
Market cap 832.17M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $62.57 | +52.28% |
| Intrinsic Value(DCF) | $75.98 | +84.91% |
| Graham-Dodd Method(GD) | $35.52 | -13.56% |
| Graham Formula(GF) | $80.24 | +95.27% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | $18.52 | $5.10 | |||
| 2018 | $17.15 | $0.00 | |||
| 2019 | $0.00 | $3,506,322.66 | |||
| 2020 | $0.00 | $58.53 | |||
| 2021 | $25.69 | $57.94 | $478.63 | $0.00 | $38.77 |
| 2022 | $22.88 | $53.98 | $27.47 | $14.44 | $123.85 |
| 2023 | $22.52 | $65.10 | $249.66 | $19.24 | $144.95 |
| 2024 | $28.35 | $44.16 | $99.77 | $18.92 | $56.14 |
| 2025 | $39.18 | $62.57 | $132.89 | $35.52 | $80.24 |
AI valuation
Our deep-learning model estimates Five Star Bancorp's (FSBC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $62.57
- Current price
- $41.09
- AI upside
- +52.28%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$75.98
+84.91% upside
Graham-Dodd
$35.52
-13.56% upside
Graham Formula
$80.24
+95.27% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| FSBC | Five Star Bancorp | $41.09 | 832.17M | +52% | +85% | -14% | +95% | 13.50 | 1.87 | 3.26 | 11.10 | 47.67 | 1.87 | 58.22% | 32.78% | 24.11% | 14.63% | 21.76% | 1.40% | 0.22 | 0.86 | 0.14 | 0.00 | 1.17 | 2832.00% | 2039.00% | 4194.00% | 8.73% | 0.02 | 25.64% | 0.00% | 0.00% | 0.00% | 11.10 | 12.80 | 3.64 | -0.49 |
| BFST | Business First Bancshares… | $27.30 | 808.5M | +103% | -52% | +51% | +112% | 9.31 | 0.91 | 1.60 | -0.26 | 40.48 | 1.08 | 60.92% | 22.15% | 17.16% | 10.36% | 18.38% | 1.09% | 0.61 | 0.59 | 5.62 | 5.62 | 1.18 | 2301.00% | 1184.00% | 5388.00% | 11.25% | 0.07 | 18.74% | 0.00% | 0.00% | 2.93% | -0.27 | -0.33 | -0.06 | 1.14 |
| CCNE | CNB Financial Corporation | $28.01 | 825.63M | -26% | -2% | -6% | +82% | 8.66 | 0.77 | 1.31 | -3.02 | — | 0.84 | 59.11% | 18.71% | 15.16% | 9.23% | 183.63% | 0.91% | 0.24 | 0.49 | 0.16 | 0.16 | -3.93 | -627.00% | 1180.00% | 5319.00% | 11.68% | 0.01 | 185.82% | 4.06% | 35.20% | 50.32% | -3.39 | -4.13 | -0.63 | -0.65 |
| CFFN | Capitol Federal Financial… | $7.18 | 943.73M | +263% | -41% | -23% | +29% | 12.53 | 0.81 | 2.04 | 18.55 | 15.80 | 0.82 | 47.30% | 19.89% | 16.30% | 6.54% | 3.39% | 0.70% | 1.86 | 0.38 | 1.27 | 0.17 | 18.72 | 7931.00% | 1003.00% | 10766.00% | 5.85% | 0.01 | 2.48% | 5.19% | 65.10% | 36.60% | 20.28 | 33.78 | 4.03 | 0.33 |
| CPF | Central Pacific Financial… | $31.85 | 853.8M | -9% | +33% | +15% | +30% | 11.12 | 1.45 | 2.38 | 1.51 | 24.33 | 1.47 | 76.12% | 27.79% | 21.38% | 13.70% | -50.52% | 1.04% | 0.22 | 1.37 | 33.66 | 33.66 | 0.39 | 4569.00% | 642.00% | 2922.00% | 11.32% | 3.81 | -62.03% | 0.00% | 0.00% | 0.00% | 1.51 | 1.56 | 0.42 | 0.34 |
| EFSC | Enterprise Financial Serv… | $57.10 | 2.11B | -16% | +92% | -48% | +87% | 10.57 | 1.04 | 2.33 | 6.59 | 106.39 | 1.33 | 68.43% | 31.10% | 22.07% | 10.42% | 12.52% | 1.22% | 0.00 | 1.08 | 0.01 | 0.01 | -0.71 | 994.00% | 1203.00% | -6842.00% | 3.56% | 0.01 | 4.71% | 4.77% | 50.40% | 5.43% | 6.77 | 25.35 | 2.11 | -0.73 |
| HAFC | Hanmi Financial Corporati… | $26.11 | 782.13M | -21% | -14% | -13% | +13% | 10.34 | 0.99 | 1.77 | -0.24 | 46.09 | 1.00 | 57.46% | 24.27% | 17.11% | 9.96% | -149.34% | 0.98% | 0.35 | 0.62 | 3.58 | 3.58 | 0.63 | 2244.00% | 355.00% | 30138.00% | 26.18% | 0.10 | -404.33% | 4.15% | 42.90% | 7.97% | -0.24 | -0.13 | -0.06 | 1.08 |
| HBNC | Horizon Bancorp, Inc. | $16.84 | 862.5M | +75% | -57% | — | +948% | -4.89 | 1.26 | 8.41 | -6.41 | — | 1.65 | -29.46% | -193.40% | -145.86% | -24.44% | -11.47% | -2.49% | 0.59 | -1.50 | 0.09 | 0.09 | -1.80 | -49375.00% | -7097.00% | 314338.00% | 4.80% | 0.04 | 3.20% | 2.45% | -12.00% | 84.66% | -6.02 | 28.86 | 11.65 | -0.14 |
| HBT | HBT Financial, Inc. | $26.96 | 847.4M | +167% | -19% | +11% | -2% | 11.23 | 1.40 | 2.95 | 0.84 | 140.99 | 1.60 | 80.03% | 35.63% | 26.25% | 13.28% | 46.33% | 1.52% | 0.11 | 1.84 | 0.28 | 0.28 | 0.37 | 796.00% | 284.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 0.88 | — | 0.32 | -0.17 |
| HFWA | Heritage Financial Corpor… | $26.41 | 896.8M | +53% | -6% | -41% | +4% | 13.31 | 0.98 | 2.68 | 3.53 | 22.92 | 1.32 | 72.43% | 23.15% | 20.10% | 7.57% | 19.35% | 0.96% | 0.05 | 0.87 | 1.18 | 1.18 | -0.13 | 5806.00% | 592.00% | -4874.00% | 3.48% | 0.01 | 9.06% | 3.63% | 48.30% | 37.42% | 3.61 | 8.99 | 0.84 | 0.40 |
| MOFG | MidWestOne Financial Grou… | $49.31 | 1.02B | -65% | -45% | — | +1% | -7.90 | 0.85 | 2.31 | 12.33 | — | 1.05 | 29.37% | -40.77% | -29.26% | -11.12% | 11.26% | -0.95% | 0.21 | -0.61 | 0.29 | 0.29 | 1.16 | -36617.00% | -2313.00% | 387.00% | 12.76% | 0.01 | -11.35% | 3.47% | -27.40% | 34.01% | 11.20 | -15.47 | -4.57 | -0.67 |
About Five Star Bancorp
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals. The company accepts various deposits, such as money market, noninterest-bearing and interest checking accounts, savings accounts, and time deposits. Its loan products include commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans. The company also offers debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. It operates through seven branch offices and two loan production offices in Northern California. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
- CEO
- James Eugene Beckwith
- Employees
- 205
- Beta
- 0.51
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($75.98 ÷ $41.09) − 1 = +84.91% (DCF, example).