# Five Star Bancorp (FSBC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $46.96, market value $1.2 billion.

## Valuation
- **P/E (trailing): 13.9×** (5-yr avg 10.5×, 3-yr avg 11.3×). Five Star Bancorp trades at 13.9× trailing earnings, well above its own five-year average of 10.5×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.44**. A PEG of 0.44 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 2.1×**. The shares trade at 2.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.0%** (5-yr avg 9.0%). Free cash flow equals 7.0% of the market value, below its five-year average of 9.0%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 7.2%**. The inverse of the P/E: 7.2% of the price is earned each year.

## Profitability
- **Return on equity: 13.8%**. 13.8% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 28.3%** (3-yr 3.6%/yr, 5-yr -4.1%/yr). Earnings per share rose 28.3%.
- **Free-cash-flow growth (3 yr): 16.2%/yr**. Free cash flow has compounded at 16.2% a year over three years, keeping pace with earnings: the growth is real cash.

## Dividends
- **Dividend yield: 2.13%** ($0.95 per share, trailing). Five Star Bancorp yields 2.13%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 28%** (24% of free cash flow). 28% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 5**. 5 straight years of increases.

## Price and momentum
- **Total return (1 yr): 44.5%** (YTD 32.9%, 3-mo 9.2%). The shares are up 44.5% over twelve months including dividends.
- **From 52-week high: -6.6%** (53.1% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 58**. An RSI of 58 is neutral.
- **Beta (1 yr): 0.60** (volatility 24%). Beta of 0.60 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FSBC · Page: https://foliofundamentals.com/stocks/fsbc

Not investment advice.