Five Star Financials
| FSBC Stock | USD 21.45 0.02 0.09% |
With this module, you can analyze Five financials for your investing period. You should be able to track the changes in Five Star individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
Five |
Understanding current and past Five Star Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Five Star's financial statements are interrelated, with each one affecting the others. For example, an increase in Five Star's assets may result in an increase in income on the income statement.
The data published in Five Star's official financial statements usually reflect Five Star's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Five Star Bancorp. For example, before you start analyzing numbers published by Five accountants, it's critical to develop an understanding of what Five Star's liquidity, profitability, and earnings quality are in the context of the Banks space in which it operates.
Please note, the presentation of Five Star's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Five Star's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Five Star's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Five Star Bancorp. Please utilize our Beneish M Score to check the likelihood of Five Star's management manipulating its earnings.
Five Star Stock Summary
Five Star competes with Community West, HMN Financial, First Northwest, Cullman Bancorp, and Home Federal. Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California. Five Star operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 163 people.Specialization | Financial Services, Banks - Regional |
| Instrument | USA Stock View All |
| Exchange | NASDAQ Exchange |
| ISIN | US33830T1034 |
| CUSIP | 33830T103 |
| Location | California; U.S.A |
| Business Address | 3100 Zinfandel Drive, |
| Sector | Banks |
| Industry | Financials |
| Benchmark | NYSE Composite |
| Website | www.fivestarbank.com |
| Phone | 916 626 5000 |
| Currency | USD - US Dollar |
You should never invest in Five Star without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Five Stock, because this is throwing your money away. Analyzing the key information contained in Five Star's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.
Five Star Key Financial Ratios
Generally speaking, Five Star's financial ratios allow both analysts and investors to convert raw data from Five Star's financial statements into concise, actionable information that can be used to evaluate the performance of Five Star over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Five Star Bancorp reports annually and quarterly.Five Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Five Star's current stock value. Our valuation model uses many indicators to compare Five Star value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Five Star competition to find correlations between indicators driving Five Star's intrinsic value. More Info.Five Star Bancorp is rated # 2 in return on equity category among related companies. It is rated # 2 in return on asset category among related companies reporting about 0.08 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Five Star Bancorp is roughly 12.66 . Comparative valuation analysis is a catch-all model that can be used if you cannot value Five Star by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Five Star's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Five Star's earnings, one of the primary drivers of an investment's value.Five Star Bancorp Systematic Risk
Five Star's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Five Star volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was three with a total number of output elements of fifty-eight. The Beta measures systematic risk based on how returns on Five Star Bancorp correlated with the market. If Beta is less than 0 Five Star generally moves in the opposite direction as compared to the market. If Five Star Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Five Star Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Five Star is generally in the same direction as the market. If Beta > 1 Five Star moves generally in the same direction as, but more than the movement of the benchmark.
About Five Star Financials
What exactly are Five Star Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Five Star's income statement, its balance sheet, and the statement of cash flows. Potential Five Star investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Five Star investors may use each financial statement separately, they are all related. The changes in Five Star's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Five Star's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.Steps to analyze Five Star Financials for Investing
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Five Star is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Five has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it. In summary, you can determine if Five Star's financials are consistent with your investment objective using the following steps:- Review Five Star's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
- Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
- Study the cash flow inflows and outflows to understand Five Star's liquidity and solvency.
- Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
- Compare Five Star's financials to those of its peers to see how it stacks up and identify any potential red flags.
- Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if Five Star's stock is overvalued or undervalued.
Five Star April 19, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Five Star help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Five Star Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Five Star Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Five Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Five Star's daily price indicators and compare them against related drivers.
| Information Ratio | (0.14) | |||
| Maximum Drawdown | 11.55 | |||
| Value At Risk | (4.37) | |||
| Potential Upside | 2.28 |
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Five Star Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of labor statistics. Note that the Five Star Bancorp information on this page should be used as a complementary analysis to other Five Star's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the AI Portfolio Architect module to use AI to generate optimal portfolios and find profitable investment opportunities.
Complementary Tools for Five Stock analysis
When running Five Star's price analysis, check to measure Five Star's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Five Star is operating at the current time. Most of Five Star's value examination focuses on studying past and present price action to predict the probability of Five Star's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Five Star's price. Additionally, you may evaluate how the addition of Five Star to your portfolios can decrease your overall portfolio volatility.
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Is Five Star's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Five Star. If investors know Five will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Five Star listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Five Star Bancorp is measured differently than its book value, which is the value of Five that is recorded on the company's balance sheet. Investors also form their own opinion of Five Star's value that differs from its market value or its book value, called intrinsic value, which is Five Star's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Five Star's market value can be influenced by many factors that don't directly affect Five Star's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Five Star's value and its price as these two are different measures arrived at by different means. Investors typically determine if Five Star is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Five Star's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.