Five Financial Ratios Analysis

FSBC Stock

USD 21.45 0.02 0.09%

Most ratios from Five Star's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into Five Star Bancorp current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Five Star Valuation and Five Star Correlation analysis.

At present, Five Star's Days Sales Outstanding is projected to increase significantly based on the last few years of reporting. The current year's Invested Capital is expected to grow to 1.22, whereas Dividend Yield is forecasted to decline to 0.03.

	2021	2022	2023	2024 (projected)
Dividend Yield	0.12	0.0328	0.0288	0.0274
Price To Sales Ratio	5.36	4.28	59.84	62.83

Dividend Yield Price To Sales Ratio

Five Star fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Invested Capital	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Inventory Turnover	Net Income Per Share	Days Of Inventory On Hand	Payables Turnover	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Days Payables Outstanding	Income Quality
Price To Sales Ratio		-0.14	-0.03	1.0	0.11	0.28	-0.2	0.54	-0.44	-0.03	-0.08	0.52	-0.27	-1.0	0.58	1.0	-0.94	0.06	0.17	-0.3	-0.24	-0.75	0.3	0.37	-0.95	0.08
Dividend Yield	-0.14		0.65	-0.13	-0.53	0.41	-0.68	0.32	-0.69	0.65	0.33	0.36	0.76	0.14	0.47	-0.14	0.14	-0.32	0.7	-0.64	0.77	0.39	0.68	0.61	0.14	-0.23
Ptb Ratio	-0.03	0.65		-0.02	-0.95	0.74	-0.83	0.58	-0.65	1.0	-0.17	0.62	0.9	0.03	0.58	-0.02	0.04	0.17	0.46	-0.48	0.49	-0.01	0.51	0.61	0.04	0.16
Days Sales Outstanding	1.0	-0.13	-0.02		0.11	0.32	-0.23	0.58	-0.47	-0.02	-0.1	0.56	-0.24	-1.0	0.63	1.0	-0.94	0.08	0.23	-0.32	-0.18	-0.77	0.32	0.4	-0.95	0.09
Book Value Per Share	0.11	-0.53	-0.95	0.11		-0.66	0.68	-0.48	0.52	-0.95	0.13	-0.51	-0.84	-0.1	-0.39	0.11	-0.07	-0.14	-0.23	0.39	-0.28	-0.01	-0.41	-0.49	-0.07	-0.17
Free Cash Flow Yield	0.28	0.41	0.74	0.32	-0.66		-0.79	0.93	-0.61	0.74	-0.32	0.94	0.71	-0.29	0.79	0.31	-0.22	0.31	0.64	-0.59	0.45	-0.41	0.6	0.79	-0.23	0.53
Invested Capital	-0.2	-0.68	-0.83	-0.23	0.68	-0.79		-0.73	0.72	-0.83	0.36	-0.77	-0.85	0.2	-0.82	-0.21	0.16	-0.36	-0.82	0.39	-0.72	0.08	-0.44	-0.6	0.16	-0.19
Operating Cash Flow Per Share	0.54	0.32	0.58	0.58	-0.48	0.93	-0.73		-0.66	0.58	-0.31	1.0	0.53	-0.55	0.91	0.55	-0.52	0.3	0.64	-0.63	0.4	-0.58	0.64	0.83	-0.52	0.51
Capex To Depreciation	-0.44	-0.69	-0.65	-0.47	0.52	-0.61	0.72	-0.66		-0.65	-0.26	-0.7	-0.57	0.45	-0.81	-0.45	0.42	0.27	-0.62	0.75	-0.46	0.37	-0.79	-0.74	0.42	0.29
Pb Ratio	-0.03	0.65	1.0	-0.02	-0.95	0.74	-0.83	0.58	-0.65		-0.17	0.62	0.9	0.03	0.58	-0.02	0.04	0.17	0.46	-0.48	0.49	-0.01	0.51	0.61	0.04	0.16
Ev To Sales	-0.08	0.33	-0.17	-0.1	0.13	-0.32	0.36	-0.31	-0.26	-0.17		-0.3	-0.17	0.09	-0.24	-0.09	0.08	-1.0	-0.18	-0.51	-0.14	0.13	0.49	0.18	0.08	-0.67
Free Cash Flow Per Share	0.52	0.36	0.62	0.56	-0.51	0.94	-0.77	1.0	-0.7	0.62	-0.3		0.57	-0.53	0.93	0.53	-0.51	0.29	0.67	-0.62	0.44	-0.57	0.64	0.83	-0.51	0.46
Roic	-0.27	0.76	0.9	-0.24	-0.84	0.71	-0.85	0.53	-0.57	0.9	-0.17	0.57		0.26	0.53	-0.26	0.24	0.18	0.63	-0.42	0.73	0.2	0.46	0.54	0.24	0.16
Inventory Turnover	-1.0	0.14	0.03	-1.0	-0.1	-0.29	0.2	-0.55	0.45	0.03	0.09	-0.53	0.26		-0.59	-0.99	0.95	-0.07	-0.17	0.3	0.23	0.76	-0.3	-0.38	0.96	-0.08
Net Income Per Share	0.58	0.47	0.58	0.63	-0.39	0.79	-0.82	0.91	-0.81	0.58	-0.24	0.93	0.53	-0.59		0.59	-0.56	0.23	0.78	-0.59	0.57	-0.51	0.63	0.77	-0.56	0.21
Days Of Inventory On Hand	1.0	-0.14	-0.02	1.0	0.11	0.31	-0.21	0.55	-0.45	-0.02	-0.09	0.53	-0.26	-0.99	0.59		-0.92	0.07	0.2	-0.3	-0.23	-0.76	0.3	0.38	-0.93	0.08
Payables Turnover	-0.94	0.14	0.04	-0.94	-0.07	-0.22	0.16	-0.52	0.42	0.04	0.08	-0.51	0.24	0.95	-0.56	-0.92		-0.06	-0.1	0.28	0.21	0.71	-0.28	-0.35	1.0	-0.08
Capex To Revenue	0.06	-0.32	0.17	0.08	-0.14	0.31	-0.36	0.3	0.27	0.17	-1.0	0.29	0.18	-0.07	0.23	0.07	-0.06		0.17	0.52	0.15	-0.12	-0.5	-0.18	-0.06	0.66
Cash Per Share	0.17	0.7	0.46	0.23	-0.23	0.64	-0.82	0.64	-0.62	0.46	-0.18	0.67	0.63	-0.17	0.78	0.2	-0.1	0.17		-0.47	0.88	0.02	0.5	0.61	-0.11	0.15
Pocfratio	-0.3	-0.64	-0.48	-0.32	0.39	-0.59	0.39	-0.63	0.75	-0.48	-0.51	-0.62	-0.42	0.3	-0.59	-0.3	0.28	0.52	-0.47		-0.34	0.26	-1.0	-0.94	0.29	0.0
Interest Coverage	-0.24	0.77	0.49	-0.18	-0.28	0.45	-0.72	0.4	-0.46	0.49	-0.14	0.44	0.73	0.23	0.57	-0.23	0.21	0.15	0.88	-0.34		0.33	0.38	0.46	0.21	0.07
Payout Ratio	-0.75	0.39	-0.01	-0.77	-0.01	-0.41	0.08	-0.58	0.37	-0.01	0.13	-0.57	0.2	0.76	-0.51	-0.76	0.71	-0.12	0.02	0.26	0.33		-0.25	-0.33	0.72	-0.15
Capex To Operating Cash Flow	0.3	0.68	0.51	0.32	-0.41	0.6	-0.44	0.64	-0.79	0.51	0.49	0.64	0.46	-0.3	0.63	0.3	-0.28	-0.5	0.5	-1.0	0.38	-0.25		0.94	-0.29	-0.03
Pfcf Ratio	0.37	0.61	0.61	0.4	-0.49	0.79	-0.6	0.83	-0.74	0.61	0.18	0.83	0.54	-0.38	0.77	0.38	-0.35	-0.18	0.61	-0.94	0.46	-0.33	0.94		-0.36	0.27
Days Payables Outstanding	-0.95	0.14	0.04	-0.95	-0.07	-0.23	0.16	-0.52	0.42	0.04	0.08	-0.51	0.24	0.96	-0.56	-0.93	1.0	-0.06	-0.11	0.29	0.21	0.72	-0.29	-0.36		-0.08
Income Quality	0.08	-0.23	0.16	0.09	-0.17	0.53	-0.19	0.51	0.29	0.16	-0.67	0.46	0.16	-0.08	0.21	0.08	-0.08	0.66	0.15	0.0	0.07	-0.15	-0.03	0.27	-0.08

Click cells to compare fundamentals

Five Star Account Relationship Matchups

Five Star fundamentals Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Ptb Ratio	3.13	2.55	1.91	1.85	1.57	1.46
Book Value Per Share	6.38	7.84	15.7	14.76	16.65	15.25
Free Cash Flow Yield	0.0833	0.15	0.0622	0.0975	0.1	0.0538
Invested Capital	0.49	0.21	0.12	1.1	0.86	1.22
Pb Ratio	3.13	2.55	1.91	1.85	1.57	1.46
Ev To Sales	3.4	0.75	0.45	3.44	49.44	46.97
Roic	0.18	0.22	0.16	0.1	(0.002174)	(0.002065)
Net Income Per Share	1.72	2.11	2.83	2.62	2.78	2.92
Capex To Revenue	(0.008759)	(0.0113)	(0.008551)	(0.004415)	(0.35)	(0.37)
Cash Per Share	16.1	25.16	39.31	22.53	25.37	16.97
Pocfratio	11.8	6.63	15.67	10.15	9.28	8.82
Interest Coverage	2.61	4.06	11.87	5.23	(0.0254)	(0.0241)
Pfcf Ratio	12.01	6.74	16.08	10.26	9.82	10.31
Income Quality	(2.26)	0.99	1.43	0.68	1.03	1.01
Roe	0.0275	0.006696	0.27	0.18	0.17	0.11
Ev To Free Cash Flow	6.94	1.09	1.35	8.23	8.11	8.52
Earnings Yield	0.0224	0.005556	0.0859	0.11	0.0945	0.096
Current Ratio	46.49	56.67	82.03	27.16	0.11	0.1
Receivables Turnover	16.67	13.61	3.88	3.2	0.33	0.32
Graham Number	15.71	19.28	31.64	29.47	32.27	33.89
Debt To Equity	0.49	0.21	0.12	1.1	0.86	1.22
Capex Per Share	(0.0298)	(0.0488)	(0.0479)	(0.0281)	(0.15)	(0.16)
Graham Net Net	(70.02)	(90.68)	(129.53)	(158.5)	(171.82)	(180.41)

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When determining whether Five Star Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Five Star's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Five Star Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Five Star Bancorp Stock:

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Is Five Stock a good investment?

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What is Five Star's Net Worth?

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Check out Five Star Valuation and Five Star Correlation analysis.

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 Idea Breakdown module to analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes.

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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.

Quarterly Earnings Growth

(0.18)

Dividend Share

0.8

Earnings Share

2.78

Revenue Per Share

6.664

Quarterly Revenue Growth

(0.06)

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.

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Five Financial Ratios Analysis

Five Star fundamentals Correlations

Five Star Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Five Star fundamentals Accounts

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COMMON DESTINATIONS

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Days Sales Outstanding	+ 1.0	Price To Sales Ratio
Days Of Inventory On Hand	+ 1.0	Price To Sales Ratio
Pb Ratio	+ 1.0	Ptb Ratio
Days Of Inventory On Hand	+ 1.0	Days Sales Outstanding
Free Cash Flow Per Share	+ 1.0	Operating Cash Flow Per Share
Days Payables Outstanding	+ 1.0	Payables Turnover

Capex To Operating Cash Flow	- 1.0	Pocfratio
Capex To Revenue	- 1.0	Ev To Sales
Inventory Turnover	- 1.0	Days Sales Outstanding
Inventory Turnover	- 1.0	Price To Sales Ratio
Days Of Inventory On Hand	- 0.99	Inventory Turnover
Pb Ratio	- 0.95	Book Value Per Share