Five Star Bancorp (FSBC) Key Metrics
FSBC valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $1.05B
- Enterprise value
- $454.9M
- P/E (TTM)
- 12.7 10-yr median 10.6
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 6.3 10-yr median 3.8
- Price / book
- 2.2 10-yr median 1.7
- EV / EBITDA
- — 10-yr median 3.5
- Dividend yield
- 2.33% $1.00 a year
- Beta
- 0.54
FSBC key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsFSBC valuation Price multiples at each fiscal year-end price.
FSBC returns How much profit the business earns on the capital it uses.
FSBC per-share figures Results divided by the shares outstanding at year-end.
FSBC financial health Debt, liquidity and how easily interest is covered.
FSBC efficiency & capital use Working capital cycle and where the cash goes.
FSBC valuation history
FSBC returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
FSBC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
FSBC cash returned to shareholders
FSBC price vs earnings per share
FSBC key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $761.2M | $608.0M | $450.0M | $467.6M | $449.9M | — | — | — | — | — |
| Enterprise value | $282.2M | $234.1M | $263.8M | $259.6M | −$110.4M | — | — | — | — | — |
| P/E ratio | 12.4 | 13.3 | 9.4 | 10.4 | 10.6 | — | — | — | — | — |
| Price / sales | 3.0 | 2.9 | 59.9 | 3.8 | 5.1 | — | — | — | — | — |
| Price / book | 1.7 | 1.5 | 1.6 | 1.8 | 1.9 | — | — | — | — | — |
| Price / free cash flow | 10.7 | 11.9 | 11.8 | 10.3 | 16.1 | — | — | — | — | — |
| Price / operating cash flow | 10.5 | 11.7 | 11.6 | 10.2 | 15.7 | — | — | — | — | — |
| EV / sales | 1.1 | 1.1 | 35.1 | 2.1 | -1.3 | — | — | — | — | — |
| EV / EBITDA | 3.3 | 3.5 | — | 4.0 | — | — | — | — | — | — |
| EV / free cash flow | 4.0 | 4.6 | 6.9 | 5.7 | — | — | — | — | — | — |
| Earnings yield | 8.1% | 7.5% | 10.6% | 9.6% | 9.4% | — | — | — | — | — |
| Free cash flow yield | 9.4% | 8.4% | 8.5% | 9.7% | 6.2% | — | — | — | — | — |
| Dividend yield | 2.2% | 2.7% | 2.9% | 3.3% | 11.5% | — | — | — | — | — |
| Shareholder yield (dividends + buybacks) | 2.2% | 2.7% | 2.9% | 3.3% | 11.5% | — | — | — | — | — |
| Share price at fiscal year-end | $35.78 | $30.09 | $26.18 | $27.24 | $30.00 | — | — | — | — | — |
| Per share | ||||||||||
| Revenue per share | $12.01 | $10.50 | $0.44 | $7.21 | $5.86 | $5.10 | — | — | — | — |
| Earnings per share | $2.90 | $2.26 | $2.78 | $2.61 | $2.83 | $2.21 | — | — | — | — |
| Operating cash flow per share | $3.41 | $2.56 | $2.26 | $2.68 | $1.91 | $3.16 | — | — | — | — |
| Free cash flow per share | $3.36 | $2.53 | $2.23 | $2.65 | $1.86 | $3.11 | — | — | — | — |
| Cash per share | $26.55 | $22.50 | $25.34 | $22.48 | $39.25 | $26.38 | — | — | — | — |
| Book value per share | $20.96 | $19.63 | $16.63 | $14.73 | $15.67 | $8.22 | — | — | — | — |
| Tangible book value per share | $20.96 | $19.54 | $16.50 | $14.60 | $15.53 | $8.10 | — | — | — | — |
| Dividends per share | $0.80 | $0.80 | $0.75 | $0.89 | $3.46 | $1.62 | — | — | — | — |
| Capex per share | $0.06 | $0.03 | $0.04 | $0.03 | $0.05 | $0.05 | — | — | — | — |
| Debt per share | $4.04 | $4.00 | $14.51 | $10.36 | $1.89 | $1.74 | — | — | — | — |
| Shares outstanding | 21.3M | 20.2M | 17.2M | 17.2M | 15.0M | 16.3M | — | — | — | — |
| Change in shares outstanding | +5.3% | +17.6% | +0.1% | +14.5% | −7.8% | — | — | — | — | — |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 14.6% | 13.4% | 17.7% | 18.4% | 23.0% | 29.6% | 41.7% | 0.7% | 2.7% | 1.6% |
| Return on invested capital (ROIC) | — | 74.7% | −1.6% | — | — | — | — | 0.4% | 1.3% | 0.8% |
| Return on assets (ROA) | 1.4% | 1.2% | 1.4% | 1.5% | 1.9% | 2.1% | 3.2% | 0.1% | 0.3% | 0.2% |
| Return on tangible assets | 1.3% | 1.1% | 1.3% | 1.4% | 1.7% | 1.8% | 2.0% | 0.1% | 0.3% | 0.2% |
| Free cash flow margin | 28.0% | 24.1% | 509.4% | 36.8% | 31.8% | 61.0% | 40.8% | — | 37.5% | −1.6% |
| Income quality (OCF / net income) | 1.18 | 1.13 | 0.82 | 1.03 | 0.68 | 1.43 | 0.99 | −2.26 | 4.17 | 0.49 |
| Financial health | ||||||||||
| Total debt | $85.9M | $80.8M | $249.4M | $177.8M | $28.4M | $28.3M | $53.3M | $71.8M | $64.4M | $56.8M |
| Cash & short-term investments | $564.9M | $454.7M | $435.5M | $385.8M | $588.6M | $429.1M | $274.5M | $24.6M | $28.7M | $25.2M |
| Net debt | −$478.9M | −$373.9M | −$186.2M | −$208.0M | −$560.2M | −$400.8M | −$221.3M | $47.2M | $35.7M | $31.7M |
| Debt / equity | 0.19 | 0.20 | 0.87 | 0.70 | 0.12 | 0.21 | 0.49 | 2.28 | 2.08 | 1.78 |
| Debt / assets | 0.02 | 0.02 | 0.07 | 0.06 | 0.01 | 0.01 | 0.04 | 0.22 | 0.20 | 0.21 |
| Net debt / EBITDA | −5.52 | −5.61 | — | −3.22 | −11.73 | −10.63 | −7.19 | 12.64 | 11.30 | 12.38 |
| Current ratio | 0.14 | 0.13 | 0.15 | 0.14 | 0.26 | 0.24 | 0.21 | 1.85 | 2.27 | — |
| Quick ratio | 0.14 | 0.13 | 0.21 | 0.25 | 0.45 | 0.42 | 0.36 | 1.85 | 2.27 | — |
| Interest coverage | 0.9 | 0.7 | -0.0 | 4.2 | 11.9 | 4.1 | 2.6 | 0.2 | 0.5 | 0.3 |
| Working capital | −$3.62B | −$3.08B | −$2.57B | −$2.40B | −$1.70B | −$1.36B | −$1.04B | $11.7M | $16.5M | — |
| Invested capital | −$33.1M | $22.7M | $99.6M | $44.8M | −$325.2M | −$267.1M | −$112.4M | $78.7M | $66.8M | $63.5M |
| Tangible asset value | $445.8M | $394.9M | $283.6M | $250.5M | $232.8M | $131.7M | $107.4M | $31.5M | $31.1M | $31.9M |
| Net current asset value | −$3.73B | −$3.18B | −$2.85B | −$2.58B | −$1.73B | −$1.39B | −$1.09B | −$271.3M | −$253.8M | −$216.1M |
| Graham number | $36.95 | $31.60 | $32.23 | $29.41 | $31.59 | $20.22 | — | — | — | — |
| Graham net-net per share | −$175.58 | −$157.57 | −$171.60 | −$159.32 | −$130.16 | −$95.09 | — | — | — | — |
| Capital allocation | ||||||||||
| Dividends paid | $17.1M | $16.2M | $12.9M | $15.3M | $51.9M | $26.4M | $26.3M | — | $722,000 | — |
| Share buybacks (net) | — | — | — | — | — | $0 | $0 | $6.3M | $10.4M | $6,000 |
| Dividend payout ratio | 27.7% | 35.6% | 27.1% | 34.2% | 122.4% | 73.4% | 89.7% | — | 84.5% | — |
| Dividends + buybacks / free cash flow | 23.9% | 31.8% | 33.8% | 33.6% | 185.9% | 52.1% | 92.5% | — | 413.8% | — |
| Capex / revenue | 0.5% | 0.3% | 8.7% | 0.4% | 0.8% | 1.0% | 0.7% | 1,206.7% | 12.2% | 5.2% |
| Capex / operating cash flow | 1.6% | 1.2% | 1.7% | 1.0% | 2.5% | 1.6% | 1.8% | — | 24.6% | 144.4% |
| Capex / depreciation | 0.39 | 0.33 | 0.41 | 0.74 | 1.18 | 1.81 | 1.17 | 1.07 | — | — |
| Stock-based compensation / revenue | 0.6% | 0.5% | 12.8% | 0.5% | 0.7% | 0.7% | 1.1% | 443.3% | 1.9% | −372.7% |
| SG&A / revenue | 15.9% | 16.8% | 390.1% | 20.5% | 24.9% | 22.1% | 20.7% | 22,030.0% | 85.1% | 77.6% |
| Efficiency | ||||||||||
| Days sales outstanding | 25.9 | 40.4 | 729.8 | 18.9 | 22.3 | 19.6 | 11.4 | 10,341.7 | 37.6 | 34.4 |
| Days of inventory on hand | — | — | -13,397.5 | -6,344.0 | -24,606.1 | -5,224.1 | -4,277.1 | — | — | — |
| Days payables outstanding | — | — | — | 185.7 | 486.1 | 137.0 | 127.4 | — | — | — |
| Cash conversion cycle (days) | — | — | — | -6,510.8 | -25,069.9 | -5,341.6 | -4,393.0 | — | — | — |
| Receivables turnover | 14.08 | 9.04 | 0.50 | 19.36 | 16.33 | 18.64 | 31.98 | 0.04 | 9.70 | 10.62 |
| Payables turnover | — | — | — | 1.97 | 0.75 | 2.66 | 2.87 | — | — | — |
| Asset turnover | 0.06 | 0.06 | 0.00 | 0.04 | 0.04 | 0.05 | 0.08 | 0.00 | 0.02 | 0.03 |
| Average receivables | $18.1M | $23.5M | $15.0M | $6.4M | $5.4M | $4.5M | $2.2M | $850,000 | $738,000 | $652,000 |
| Average payables | — | — | — | $11.0M | $7.6M | $6.8M | $6.0M | — | — | — |
| Average inventory | — | — | −$246.6M | −$374.5M | −$382.4M | −$260.2M | −$200.8M | — | — | — |
| Intangibles / total assets | 0.0% | 0.0% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.0% | 0.0% | 0.0% |
Computed from FSBC's annual financial statements (latest annual report filed February 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
FSBC valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Five Star Bancorp traded at 12.4 times earnings, against a 10-year median of 10.6. Based on the latest twelve months, the trailing P/E is 12.7. Five Star Bancorp earned a return on equity of 14.6% in fiscal 2025. It ended the year with $85.9 million of debt and $564.9 million in cash and short-term investments, a net cash position of $478.9 million. It returned $17.1 million to shareholders: $17.1 million in dividends and $0 in share buybacks, 24% of free cash flow.
See the FSBC income statement, the FSBC chart for price history, or the FSBC stock overview for the latest quote and news.
FSBC key metrics FAQ
What is Five Star Bancorp's P/E ratio?
Five Star Bancorp's trailing P/E ratio is 12.7 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was 12.4, compared with a 10-year median of 10.6.
What is Five Star Bancorp's EV/EBITDA?
Five Star Bancorp's enterprise value was 3.3 times EBITDA at the end of fiscal 2025 (enterprise value $282.2 million, EBITDA $86.8 million).
What is Five Star Bancorp's return on equity?
Five Star Bancorp's return on equity (ROE) was 14.6% in fiscal 2025: net income of $61.6 million on average shareholders' equity of $421.2 million.
How much debt does Five Star Bancorp have?
Five Star Bancorp had total debt of $85.9 million at the end of fiscal 2025, a debt-to-equity ratio of 0.19 and more cash than debt.
What is Five Star Bancorp's dividend yield?
Five Star Bancorp's forward dividend yield is 2.33%. Five Star Bancorp paid $17.1 million in dividends in fiscal 2025 ($0.80 per share), a payout ratio of 27.7%.
What is Five Star Bancorp's free cash flow yield?
Five Star Bancorp generated $71.4 million of free cash flow in fiscal 2025, a free cash flow yield of 9.4% on its market value at year-end ($761.2 million).
What is Five Star Bancorp's current ratio?
Five Star Bancorp's current ratio was 0.14 at the end of fiscal 2025: current assets were 0.14 times current liabilities.