FIVE STAR BANCORP (FSBC)
State Commercial Banks · Financial Services · $937M
Intrinsic Value (Consensus)
$69.28
Current Price
$43.82
Margin of Safety
+58.1%
58.1% Below Intrinsic Value
Value: $69
Price: $44
Valuation Model Estimates
Current Price: $43.82
DCF (Discounted Cash Flow)
$156.67
Graham Number
$36.89
Earnings Power Value
$28.16
Relative Value (P/E)
$58.00
Dividend Discount Model
$66.67
Consensus Value
$69.28
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
67
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Strong earnings growth (20% YoY)
Key Financials
- EPS (TTM)
- $2.90
- EPS (Forward)
- $3.48
- Book Value
- $20.86
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 13.8%
- Debt/Equity
- —
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.3%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance