Five Star Bancorp (FSBC) Fundamental Analysis: Revenue, Earnings & Valuation

2.63 / 10

Underperform

Fundamentally, FSBC is rated Underperform with a 2.6/10 score. Strengths include a solid 41.8% gross margin and healthy liability ratios, while PB‑ROE and asset‑to‑market metrics are weak, indicating limited value upside and a defensive stance.

Analysis Checks(6/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight7.61%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight7.60%

1M Return3.70%

Profit-MV

Value1.16

Score1/3

Weight9.01%

1M Return3.90%

Net income-Revenue

Value0.86

Score1/3

Weight12.62%

1M Return5.19%

PB-ROE

Value-0.90

Score0/3

Weight8.87%

1M Return4.15%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight7.61%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.60%

1M Return3.70%

Cash-UP

Value-0.25

Score2/3

Weight9.16%

1M Return4.32%

Asset-MV

Value-0.55

Score1/3

Weight15.39%

1M Return6.12%

Cash-MV

Value-0.26

Score2/3

Weight14.53%

1M Return6.14%

Is FSBC fundamentally strong?

FSBC scores 2.63/10 on fundamentals and holds a Premium valuation at present. Backed by its 14.63% ROE, 38.88% net margin, 13.22 P/E ratio, 1.83 P/B ratio, and 28.32% earnings growth, these metrics solidify its Underperform investment rating.