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FSBC Five Star Bancorp

Price (delayed)

$32.58

Market cap

$694.58M

P/E Ratio

14.29

Dividend/share

$0.8

EPS

$2.28

Enterprise value

$524.68M

Highlights
Five Star Bancorp's debt has plunged by 52% YoY
Five Star Bancorp's equity has increased by 42% YoY and by 2.5% QoQ
The price to earnings (P/E) is 40% higher than the last 4 quarters average of 10.2
The EPS is down by 22% YoY and by 5% QoQ

Key stats

What are the main financial stats of FSBC
Market
Shares outstanding
21.32M
Market cap
$694.58M
Enterprise value
$524.68M
Valuations
Price to book (P/B)
1.78
Price to sales (P/S)
6.14
EV/EBIT
8.67
EV/EBITDA
8.42
EV/Sales
4.64
Earnings
Revenue
$113.17M
EBIT
$60.51M
EBITDA
$62.3M
Free cash flow
$31.45M
Per share
EPS
$2.28
Free cash flow per share
$1.48
Book value per share
$18.29
Revenue per share
$5.31
TBVPS
$182.32
Balance sheet
Total assets
$3.89B
Total liabilities
$3.5B
Debt
$80.96M
Equity
$389.93M
Working capital
N/A
Liquidity
Debt to equity
0.21
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-2.73
Margins
EBITDA margin
55%
Gross margin
100%
Net margin
38.1%
Operating margin
53.5%
Efficiency
Return on assets
1.2%
Return on equity
12.8%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
53.5%
Dividend
Dividend yield
2.46%
DPS
$0.8
Payout ratio
35.1%

FSBC stock price

How has the Five Star Bancorp stock price performed over time
Intraday
1.09%
1 week
-1.45%
1 month
8.42%
1 year
46.3%
YTD
24.45%
QTD
9.59%

Financial performance

How have Five Star Bancorp's revenue and profit performed over time
Revenue
$113.17M
Gross profit
$113.17M
Operating income
$60.51M
Net income
$43.15M
Gross margin
100%
Net margin
38.1%
Five Star Bancorp's net income has decreased by 14% YoY
Five Star Bancorp's operating income has decreased by 14% YoY
The operating margin has declined by 12% year-on-year
Five Star Bancorp's net margin has decreased by 12% YoY

Growth

What is Five Star Bancorp's growth rate over time

Valuation

What is Five Star Bancorp stock price valuation
P/E
14.29
P/B
1.78
P/S
6.14
EV/EBIT
8.67
EV/EBITDA
8.42
EV/Sales
4.64
The price to earnings (P/E) is 40% higher than the last 4 quarters average of 10.2
The EPS is down by 22% YoY and by 5% QoQ
Five Star Bancorp's equity has increased by 42% YoY and by 2.5% QoQ
The P/B is 19% higher than the last 4 quarters average of 1.5
FSBC's price to sales (P/S) is 40% higher than its last 4 quarters average of 4.4
The company's revenue fell by 2.5% YoY

Efficiency

How efficient is Five Star Bancorp business performance
The ROE fell by 33% YoY and by 9% QoQ
The company's return on invested capital fell by 23% YoY and by 6% QoQ
FSBC's ROA is down by 20% YoY
The ROS is down by 12% YoY

Dividends

What is FSBC's dividend history
DPS
$0.8
Dividend yield
2.46%
Payout ratio
35.1%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Five Star Bancorp financials performed over time
FSBC's total assets is 11% greater than its total liabilities
FSBC's total assets is up by 11% year-on-year and by 7% since the previous quarter
The total liabilities is up by 8% year-on-year and by 7% since the previous quarter
Five Star Bancorp's debt is 79% less than its equity
Five Star Bancorp's debt to equity has plunged by 66% YoY
Five Star Bancorp's debt has plunged by 52% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified. Data from and Sharadar.