ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Five Star Bancorp ?
1
High Profitability with a Net Interest Margin of 16.90%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
3
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- OPERATING CASH FLOW(Y) Highest at USD 52.05 MM
- NII(Q) Highest at USD 42.4 MM
- NET SALES(Q) Highest at USD 66.75 MM
4
With ROA of 0.64%, it has a expensive valuation with a 1.70 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 30.22%, its profits have risen by 19.9% ; the PEG ratio of the company is 0.7
5
High Institutional Holdings at 63.65%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Five Star Bancorp should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Five Star Bancorp for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Five Star Bancorp
30.22%
2.22
28.17%
S&P 500
20.78%
1.08
19.33%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
32.19%
EBIT Growth (5y)
15.50%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
27.59%
Pledged Shares
0
Institutional Holding
63.65%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.70
EV to EBIT
3.98
EV to EBITDA
3.88
EV to Capital Employed
-30.60
EV to Sales
1.24
PEG Ratio
0.69
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
12.45%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 52.05 MM
NII(Q)
Highest at USD 42.4 MM
NET SALES(Q)
Highest at USD 66.75 MM
OPERATING PROFIT(Q)
Highest at USD 23.01 MM
OPERATING PROFIT MARGIN(Q)
Highest at 34.47 %
PRE-TAX PROFIT(Q)
Highest at USD 23.01 MM
NET PROFIT(Q)
Highest at USD 17.64 MM
EPS(Q)
Highest at USD 0.83
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Five Star Bancorp
NII
Highest at USD 42.4 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 52.05 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 66.75 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 23.01 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 34.47 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 23.01 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 17.64 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.83
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Five Star Bancorp
Capital Adequacy Ratio
Lowest at 10.58%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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