Financial Comparison: Five Star Bancorp (FSBC) vs. Its Competitors

Five Star Bancorp (NASDAQ:FSBC) is one of 919 publicly-traded companies in the “Banks” industry, but how does it weigh in compared to its peers? We will compare Five Star Bancorp to related businesses based on the strength of its dividends, institutional ownership, earnings, risk, analyst recommendations, profitability and valuation.

Dividends

Five Star Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 2.3%. Five Star Bancorp pays out 28.3% of its earnings in the form of a dividend. As a group, “Banks” companies pay a dividend yield of 9.3% and pay out 28.9% of their earnings in the form of a dividend.

Volatility & Risk

Five Star Bancorp has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500. Comparatively, Five Star Bancorp’s peers have a beta of 0.61, indicating that their average stock price is 39% less volatile than the S&P 500.

Institutional and Insider Ownership

46.9% of Five Star Bancorp shares are held by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are held by institutional investors. 21.8% of Five Star Bancorp shares are held by company insiders. Comparatively, 9.7% of shares of all “Banks” companies are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of current recommendations and price targets for Five Star Bancorp and its peers, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Five Star Bancorp	0	3	2	0	2.40
Five Star Bancorp Competitors	7482	30219	27791	1473	2.35

Five Star Bancorp currently has a consensus price target of $49.00, suggesting a potential upside of 11.09%. As a group, “Banks” companies have a potential upside of 16.80%. Given Five Star Bancorp’s peers higher possible upside, analysts plainly believe Five Star Bancorp has less favorable growth aspects than its peers.

Earnings and Valuation

This table compares Five Star Bancorp and its peers revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Five Star Bancorp	$255.47 million	$61.61 million	12.50
Five Star Bancorp Competitors	$9.95 billion	$2.42 billion	20.28

Five Star Bancorp’s peers have higher revenue and earnings than Five Star Bancorp. Five Star Bancorp is trading at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

Profitability

This table compares Five Star Bancorp and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Five Star Bancorp	26.58%	16.89%	1.53%
Five Star Bancorp Competitors	15.66%	9.44%	0.93%

Summary

Five Star Bancorp peers beat Five Star Bancorp on 9 of the 15 factors compared.

About Five Star Bancorp

Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals in Northern California. It accepts various deposits, such as money market accounts, noninterest-bearing and interest checking accounts, savings accounts, term certificate accounts, and time deposits. The company also offers loan products, including commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans, as well as operating lines of credit. In addition, it provides debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.