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Five Star BancorpFSBC -0.40%67 Capex-to-Operating-Cash-Flow is 0.02 as of Jun. 2026, which is at its 10-year median of 0.02. GuruFocus rates FSBC with a GF Score™ of 67/100 and a GF Value™ of $40.21 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 830 Banks companies, Five Star Bancorp ranks better than 89.4% on this metric.
Capex-to-Operating-Cash-Flow assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. It’s also useful to distinguish whether the company is capital intensive or not.
Five Star Bancorp (NAS:FSBC) Capex-to-Operating-Cash-Flow Explanation
Capex-to-Operating-Cash-Flow ratio assesses how much of a company’s Cash Flow from Operations is being devoted to Capital Expenditure. It is a good indicator in terms of how much the company is focused on growth. In general, a high Capex-to-Operating-Cash-Flow ratio indicates that the company is investing more in physical assets and is focused on growth and expansion. Conversely, lower ratio could indicate that a company has reached maturity and is no longer pursuing aggressive growth.
Moreover, the ratio is also useful to distinguish whether the company is capital intensive or not. If the ratio is large, then the company tends to be capital intensive. Lower ratio suggests that it’s a capital-light business. The ratio can be combined with ROIC % to identify whether the company is an asset-light business that has a high return on invested capital. This is one question investors commonly ask to see if a company qualifies as a good company.
Five Star Bancorp Capex-to-Operating-Cash-Flow Related Terms
Five Star Bancorp Capex-to-Operating-Cash-Flow Historical Data
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The historical data trend for Five Star Bancorp's Capex-to-Operating-Cash-Flow can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Five Star Bancorp Capex-to-Operating-Cash-Flow Chart
FSBC vs WTBFA, NBN, MCB: Capex-to-Operating-Cash-Flow Comparison
For the Banks - Regional subindustry, Five Star Bancorp's Capex-to-Operating-Cash-Flow, along with its competitors' market caps and Capex-to-Operating-Cash-Flow 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 Capex-to-Operating-Cash-Flow vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's Capex-to-Operating-Cash-Flow distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's Capex-to-Operating-Cash-Flow falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Capex-to-Operating-Cash-Flow of 0.02 mean?
Five Star Bancorp (FSBC) has a Capex-to-Operating-Cash-Flow of 0.02 as of Jun. 2026. Capex to Operating Cash Flow ratio assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. View historical data on Five Star Bancorp and its competitors. This is near median its historical median of 0.02. Over the past decade, Five Star Bancorp's Capex-to-Operating-Cash-Flow has ranged from 0.01 to 0.03. According to the industry distribution chart, Five Star Bancorp ranks #88 out of 830 companies in the Banks industry, placing it in the top 10.6%.
Is Five Star Bancorp's Capex-to-Operating-Cash-Flow too high?
Five Star Bancorp's current Capex-to-Operating-Cash-Flow of 0.02 is near median its 10-year median of 0.02. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.03. The Banks industry median Capex-to-Operating-Cash-Flow is 0.06. Five Star Bancorp's value of 0.02 is 66.7% below this industry median. Based on the distribution chart, Five Star Bancorp ranks #88 out of 830 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Capex-to-Operating-Cash-Flow compare to WTBFA and NBN?
According to the Banks industry distribution chart, Five Star Bancorp ranks #88 out of 830 companies for Capex-to-Operating-Cash-Flow. This places Five Star Bancorp in the top 11% of its industry — outperforming the majority of peers. The industry median Capex-to-Operating-Cash-Flow is 0.06. Five Star Bancorp's value of 0.02 is 66.7% below this benchmark. Historically, Five Star Bancorp's own Capex-to-Operating-Cash-Flow has ranged from 0.01 to 0.03 over the past decade. While the company's 10-year median is 0.02 vs. the industry median of 0.06, Five Star Bancorp has consistently been below 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 Capex-to-Operating-Cash-Flow for a Banks company?
The median Capex-to-Operating-Cash-Flow among Banks companies is 0.06, based on 830 companies in the industry. Companies in the top quartile (top 25%) have a Capex-to-Operating-Cash-Flow significantly above this median, while those in the bottom quartile fall well below. However, Capex-to-Operating-Cash-Flow should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current Capex-to-Operating-Cash-Flow of 0.02 is 66.7% below 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 Capex-to-Operating-Cash-Flow mean?
A high Capex-to-Operating-Cash-Flow can signal that a stock is expensive relative to its fundamentals. Capex to Operating Cash Flow ratio assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median Capex-to-Operating-Cash-Flow is 0.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current Capex-to-Operating-Cash-Flow is 0.02, which is near median its own 10-year median of 0.02. 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 $40.21, compared to a current price of $44.35 — trading 10.3% above its estimated fair value. The current Capex-to-Operating-Cash-Flow is 0.02, which is near median its 10-year median of 0.02 and 66.7% below the Banks industry median of 0.06. Five Star Bancorp's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Capex-to-Operating-Cash-Flow calculated?
Capex-to-Operating-Cash-Flow is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current Capex-to-Operating-Cash-Flow is 0.02 as of Jun. 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 $44.35 is trading 10.3% above its estimated GF Value™ of $40.21.
GuruFocus considers Five Star Bancorp to be Modestly Overvalued.
Key valuation signals for FSBC:
Capex-to-Operating-Cash-Flow: 0.02 (near median its 10-year median of 0.02)
GF Value™: $40.21 vs. price of $44.35 (10.3% above fair value)
Industry Position: 66.7% below the Banks median (#88 of 830)
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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Capex-to-Operating-Cash-Flow is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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