FSBC$41.74+0.00%

Fair $41.74+0.0%

FSBC

Five Star Bancorp

Financial Services / Banks - RegionalNasdaqGS

$41.74

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $41.74Fund rank 34/100 · Data gapFallback financials|

SA 30/D

F-Score: 6/9

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 67.0/100

Data gap 34/100

Bear 5Yn/dn/d

Base 5Yn/dn/d

Bull 5Yn/dn/d

Return 0/100Downside 20/100Model quality 85/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

30/100

Piotroski

6/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 6Warnings: 0unknown: 6

No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.

Thesis & Journal · FSBCLocal privado en este navegador · Five Star Bancorp

Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Tesis central

Bull caseBase caseBear case

CatalizadoresRiesgos

Kill criteria

Mi valoración / targetReview date

Sin guardar todavía.

Market Cap

$892M

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

13.8%

↑

Gross Margin

N/A

•

Debt/Equity

N/A

•

No hay histórico de precio usable para pintar el gráfico TradingView.

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2020–2025 · 5 años de histórico normalizado

Revenue CAGR

+27.3%

FCF CAGR

+7.1%

FCF margin

28.7%

FCF / Net income

1.16x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $248.9M · net income $61.6M · FCF $71.4M

2020-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

24.7%-23.5% pts

FCF margin

28.7%-39.4% pts

Metric	TTM	2025	2024	2023	2022	2021	2020
Income Statement
Revenue	$248.9M	$248.9M	$207.0M	$174.4M	$117.9M	$81.6M	$74.4M
Net Income	$61.6M	$61.6M	$45.7M	$47.7M	$44.8M	$42.4M	$35.9M
EPS	2.90	2.90	2.26	2.78	2.61	2.83	3.57
Net Margin	24.7%	24.7%	22.1%	27.4%	38.0%	52.0%	48.3%
Cash Flow
Free Cash Flow	$71.4M	$71.4M	$51.2M	$38.3M	$45.5M	$27.9M	$50.6M
Returns
ROE	13.8%	13.8%	11.5%	16.7%	17.7%	18.1%	26.9%
Growth & Yield
Revenue Growth	20.3%	20.3%	18.7%	47.9%	44.5%	9.7%	—
EPS Growth	28.3%	28.3%	-18.7%	6.5%	-7.8%	-20.7%	—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

3Y implied EPS CAGR

8.5%

razonable

EPS terminal req.

$3.70

Spread vs growth

19.8%

5Y implied EPS CAGR

9.1%

razonable

EPS terminal req.

$4.48

Spread vs growth

19.2%

10Y implied EPS CAGR

9.5%

razonable

EPS terminal req.

$7.22

Spread vs growth

18.8%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.