ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Five Star Bancorp ?
1
High Profitability with a Net Interest Margin of 37.11%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
3
Positive results in Jun 25
- NII(Q) Highest at USD 36.84 MM
- OPERATING CASH FLOW(Y) Highest at USD 68.77 MM
- NET SALES(Q) Highest at USD 60.91 MM
4
With ROA of 0.62%, it has a expensive valuation with a 1.46 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 5.27%, its profits have risen by 6.5%
5
High Institutional Holdings at 63.19%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 3.12% over the previous quarter.
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
6.67%
1.87
28.24%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
56.06%
EBIT Growth (5y)
33.12%
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
35.39%
Pledged Shares
0
Institutional Holding
63.19%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.46
EV to EBIT
2.93
EV to EBITDA
2.85
EV to Capital Employed
31.69
EV to Sales
0.89
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
1083.27%
ROE (Latest)
11.85%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at USD 36.84 MM
OPERATING CASH FLOW(Y)
Highest at USD 68.77 MM
NET SALES(Q)
Highest at USD 60.91 MM
OPERATING PROFIT(Q)
Highest at USD 20.1 MM
PRE-TAX PROFIT(Q)
Highest at USD 20.1 MM
NET PROFIT(Q)
Highest at USD 14.51 MM
EPS(Q)
Highest at USD 0.68
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 96.49%
Here's what is working for Five Star Bancorp
NII
Highest at USD 36.84 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 68.77 MM
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 60.91 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 20.1 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 20.1 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 14.51 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.68
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
Credit Deposit Ratio
Lowest at 96.49%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Capital Adequacy Ratio
Lowest at 10.85%
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
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
