Five Star BancorpFSBC
Price$42.92Intrinsic value$39.418% below price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $39.41median of 2 methodsbased on filings through 30 Jun 2026
Market Price $42.92Price as of 1 Oct 2026
Margin of Safety -8.2%as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

This section is available to registered members. Create a free account or sign in to unlock the full breakdown.

Sign in / Sign up

Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 13.7% (near-term consensus, capped) · years 2–5: 15.2%/yr (balance of the path).14.9% per year
Years 6–10: glide to demonstrated growth
Per-year rates
Yr 612.8%Yr 710.3%Yr 87.9%Yr 95.4%Yr 103.0%
15.2% → 3.0%
Years 11–20: glide to long-run rate
Per-year rates
Yr 113.0%Yr 123.0%Yr 133.0%Yr 143.0%Yr 153.0%Yr 163.0%Yr 173.0%Yr 183.0%Yr 193.0%Yr 203.0%
3.0% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 1 window (5y) (limited history)-4.1%
Discount rate (cost of equity) 8.0%
Volatility vs market (adjusted beta)0.69

Valuation Detail Members

This section is available to registered members. Create a free account or sign in to unlock the full breakdown.

Sign in / Sign up

Assumptions Sandbox Members

This section is available to registered members. Create a free account or sign in to unlock the full breakdown.

Sign in / Sign up

Compare with peers

Search any company to compare valuation, profitability, returns, growth, and financial strength side by side.

Compare the target company plus 1 peer. Sign in / Sign up to compare a maximum of 3 peers.

Best in rowHigher is betterLower is better—Data not available
TargetFive Star BancorpFSBCFinancials
Valuation
P/E12.7×
P/S4.3×
P/B2.0×
EV / Revenue—
EV / EBITDA—
Profitability
Gross margin100.0%
Operating margin32.8%
Net margin24.1%
FCF margin31.5%
Returns
ROE15.2%
ROA1.3%
ROIC—
Growth
Revenue growth (YoY)19.7%
5-yr fwd EPS growth14.9%
Financial strength
Debt / Equity0.16×
Current ratio—
Altman Z-Score—
Interest coverage—
Dividend yield1.1%

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.