Market cap
$1,119 Mln
Revenue (TTM)
$278 Mln
P/E Ratio
13.5
P/B Ratio
2.3
Div. Yield
2.1 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 6.40 | 19.74 | 19.45 | 20.72 | 26.69 |
| EBIT | 4.23 | 29.80 | 31.83 | 10.73 | 18.80 |
| Net Profit | 4.18 | 33.71 | 38.80 | 12.28 | 13.10 |
| EPS | 4.18 | 33.59 | 38.55 | 4.53 | 6.60 |
| Book Value | -- | -- | 12.12 | 12.48 | 20.55 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| 13.95 | 29.26 | 34.63 | 32.78 | 30.50 |
| Net Margin
| -- | -- | 25.88 | -- | -- |
| Return on equity
| 15.25 | 17.42 | 15.66 | 14.63 | 13.39 |
| Return on Capital
| 10.37 | 12.79 | -- | 12.21 | 9.02 |
| Return on Assets
| 1.33 | 1.48 | 1.38 | 1.40 | 1.19 |
| Debt to Equity (x)
| -- | -- | 0.16 | 0.19 | 0.20 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
--
|
12.21
|
9.02
|
9.88
|
12.91
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
15.66
Higher than Peers by 5.77
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
15.66
|
14.63
|
13.39
|
17.73
|
18.37
|
|
Peer Median
|
9.89
|
--
|
--
|
--
|
--
|
ROA
1.38
Higher than Peers by 0.41
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
1.38
|
1.40
|
1.19
|
1.40
|
1.55
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
34.63
Higher than Peers by 13.78
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
34.63
|
32.78
|
30.50
|
-21.44
|
50.78
|
|
Peer Median
|
20.85
|
--
|
--
|
--
|
--
|
Net Margin
25.88
Higher than Peers by 5.84
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
25.88
|
24.11
|
21.52
|
635.52
|
36.19
|
|
Peer Median
|
20.04
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
19.45
Higher than Peers by 8.39
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
19.45
|
0.20
|
27.25
|
-0.94
|
0.41
|
|
Peer Median
|
11.06
|
--
|
--
|
--
|
--
|
EBIT Growth
31.83
Higher than Peers by 42.81
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
31.83
|
29.37
|
4,119.94
|
-102.56
|
33.32
|
|
Peer Median
|
-10.98
|
--
|
--
|
--
|
--
|
Net Profit Growth
38.80
Higher than Peers by 31.34
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
38.80
|
34.89
|
-4.32
|
6.55
|
5.56
|
|
Peer Median
|
7.46
|
--
|
--
|
--
|
--
|
EPS Growth
38.55
Higher than Peers by 32.65
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
38.55
|
0.35
|
-0.23
|
0.06
|
0.05
|
|
Peer Median
|
5.90
|
--
|
--
|
--
|
--
|
Book Value Growth
13.58
Higher than Peers by 4.77
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
13.58
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.81
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.16
Lower than Peers by 0.05
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
0.16
|
0.19
|
0.20
|
0.87
|
0.70
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
--
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
--
|
--
|
0.00
|
0.60
|
0.40
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.03
Lower than Peers by 0.28
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
0.03
|
0.14
|
0.13
|
0.15
|
0.14
|
|
Peer Median
|
0.31
|
--
|
--
|
--
|
--
|
Quick Ratio
0.03
Lower than Peers by 0.33
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
0.03
|
--
|
--
|
0.21
|
0.25
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
1.96
Higher than Peers by 0.22
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
1.96
|
0.86
|
0.74
|
-0.03
|
4.23
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
--
--
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
--
|
4.66
|
11.49
|
300.65
|
6.02
|
|
Peer Median
|
6.93
|
--
|
--
|
--
|
--
|
Asset Turnover
0.05
Higher than Peers by 0.00
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
0.05
|
0.06
|
0.06
|
0.00
|
0.04
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
--
|
25.93
|
40.41
|
730.31
|
18.86
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
--
|
--
|
-733.90
|
-13,406.63
|
-6,348.33
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
--
|
--
|
--
|
787.32
|
185.78
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
--
|
--
|
--
|
-13,463.64
|
-6,515.24
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
13.50
Higher than Peers by 0.71
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
13.50
|
12.36
|
11.96
|
9.43
|
10.45
|
|
Peer Median
|
12.79
|
--
|
--
|
--
|
--
|
Price / Book Value
2.35
Higher than Peers by 1.02
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
2.35
|
1.71
|
1.38
|
1.58
|
1.85
|
|
Peer Median
|
1.33
|
--
|
--
|
--
|
--
|
Dividend Yield
2.10
Lower than Peers by 0.36
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
2.10
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.46
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
--
|
3.26
|
2.59
|
-163.94
|
4.03
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
1,119
Higher than Peers by 810
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Five Star Bancorp (FSBC)
|
1,119
|
--
|
--
|
--
|
--
|
|
Peer Median
|
309
|
--
|
--
|
--
|
--
|