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Five Star BancorpFSBC +0.30%67 3-Year Book Growth Rate is 12.50% as of Mar. 2026, which is 36% below its 10-year median of 19.40. GuruFocus rates FSBC with a GF Score™ of 67/100 and a GF Value™ of $38.44 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,497 Banks companies, Five Star Bancorp ranks better than 70.47% on this metric.
During the past 12 months, Five Star Bancorp's average Book Value per Share Growth Rate was 12.60% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 12.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 17.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 7 years, the highest 3-Year average Book Value per Share Growth Rate of Five Star Bancorp was 29.90% per year. The lowest was 10.90% per year. And the median was 19.40% per year.
Five Star Bancorp (NAS:FSBC) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Five Star Bancorp 3-Year Book Growth Rate Related Terms
FSBC vs CPF, FBAK, MBWM: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Five Star Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Five Star Bancorp 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's 3-Year Book Growth Rate falls into.
Five Star Bancorp 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 12.50% mean?
Five Star Bancorp (FSBC) has a 3-Year Book Growth Rate of 12.50% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Five Star Bancorp and its competitors. This is 36% below median its historical median of 19.40. Over the past decade, Five Star Bancorp's 3-Year Book Growth Rate has ranged from 10.90 to 29.90. According to the industry distribution chart, Five Star Bancorp ranks #442 out of 1497 companies in the Banks industry, placing it in the top 29.5%.
Is Five Star Bancorp's 3-Year Book Growth Rate too high?
Five Star Bancorp's current 3-Year Book Growth Rate of 12.50% is 36% below median its 10-year median of 19.40. Over the past 10 years, this metric has ranged from a low of 10.90 to a high of 29.90. The Banks industry median 3-Year Book Growth Rate is 8.70. Five Star Bancorp's value of 12.50% is 43.7% above this industry median. Based on the distribution chart, Five Star Bancorp ranks #442 out of 1497 companies in the Banks industry, which is above the industry midpoint. Overall, Five Star Bancorp has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Five Star Bancorp's 3-Year Book Growth Rate compare to CPF and FBAK?
According to the Banks industry distribution chart, Five Star Bancorp ranks #442 out of 1497 companies for 3-Year Book Growth Rate. This puts Five Star Bancorp in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Five Star Bancorp's value of 12.50% is 43.7% above this benchmark. Historically, Five Star Bancorp's own 3-Year Book Growth Rate has ranged from 10.90 to 29.90 over the past decade. While the company's 10-year median is 19.40 vs. the industry median of 8.70, Five Star Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current 3-Year Book Growth Rate of 12.50% is 43.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Five Star Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current 3-Year Book Growth Rate is 12.50%, which is 36% below median its own 10-year median of 19.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Five Star Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Five Star Bancorp (FSBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $38.44, compared to a current price of $47.28 — trading 23% above its estimated fair value. The current 3-Year Book Growth Rate is 12.50%, which is 36% below median its 10-year median of 19.40 and 43.7% above the Banks industry median of 8.70. Five Star Bancorp's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current 3-Year Book Growth Rate is 12.50% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Five Star Bancorp (FSBC) Overvalued in 2026?
Based on GuruFocus' analysis, Five Star Bancorp stock appears to be overvalued.
The current stock price of $47.28 is trading 23% above its estimated GF Value™ of $38.44.
GuruFocus considers Five Star Bancorp to be Modestly Overvalued.
Key valuation signals for FSBC:
3-Year Book Growth Rate: 12.50% (36% below median its 10-year median of 19.40)
GF Value™: $38.44 vs. price of $47.28 (23% above fair value)
Industry Position: 43.7% above the Banks median (#442 of 1497)
No single metric tells the full story. See the FSBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Five Star Bancorp is a bank holding company that operates in California through its subsidiary, a state-chartered non-member bank. The company provides a broad range of banking products and services to small and medium-sized businesses, professionals, and individuals. It offers loan products like commercial real estate loans, commercial loans, commercial land and construction loans, and farmland loans, and offers deposit products like checking accounts, savings accounts, money market accounts, and term certificate accounts. The group has one reportable operating segment: Banking.
67GF Score
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