Contrasting Five Star Bancorp (FSBC) & Its Peers

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

Earnings & Valuation

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

	Gross Revenue	Net Income	Price/Earnings Ratio
Five Star Bancorp	$255.47 million	$61.61 million	12.58
Five Star Bancorp Competitors	$54.81 billion	$2.42 billion	21.36

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.

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	7494	30253	27858	1490	2.35

Five Star Bancorp presently has a consensus target price of $49.00, indicating a potential upside of 10.31%. As a group, “Banks” companies have a potential upside of 14.12%. Given Five Star Bancorp’s peers higher probable upside, analysts plainly believe Five Star Bancorp has less favorable growth aspects than its peers.

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%	15.55%	1.50%
Five Star Bancorp Competitors	15.63%	9.41%	0.93%

Insider and Institutional Ownership

46.9% of Five Star Bancorp shares are owned by institutional investors. Comparatively, 48.0% of shares of all “Banks” companies are owned by institutional investors. 21.8% of Five Star Bancorp shares are owned by company insiders. Comparatively, 9.7% of shares of all “Banks” companies are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Risk and Volatility

Five Star Bancorp has a beta of 0.49, meaning 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, meaning that their average stock price is 39% less volatile than the S&P 500.

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 8.9% and pay out 28.9% of their earnings in the form of a dividend.

Summary

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

About Five Star Bancorp

Five Star Bancorp is a bank holding company headquartered in Rancho Cordova, California. It operates through its subsidiary, Five Star Bank, which provides commercial and consumer banking services to businesses, organizations and individuals. The bank offers deposit accounts, business and personal lending, cash management and other banking services. Its lending activities include financing for commercial real estate and business needs, alongside services for professionals and nonprofit organizations.