Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Five Star BancorpFSBC -0.63%67 Cash-to-Debt is 7.53 as of Mar. 2026, which is 71% above its 10-year median of 4.41. GuruFocus rates FSBC with a GF Score™ of 67/100 and a GF Value™ of $38.46 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,482 Banks companies, Five Star Bancorp ranks better than 82.59% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Five Star Bancorp's cash to debt ratio for the quarter that ended in Mar. 2026 was 7.53.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Five Star Bancorpcould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Five Star Bancorp's Cash-to-Debt or its related term are showing as below:
FSBC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.95 Med: 4.41 Max: 19.61
Current: 8.02
During the past 7 years, Five Star Bancorp's highest Cash to Debt Ratio was 19.61. The lowest was 0.95. And the median was 4.41.
FSBC's Cash-to-Debt is ranked better than 82.59% of 1482
companies
in the Banks industry
Industry Median: 1.395
vs FSBC: 8.02
Five Star Bancorp (NAS:FSBC) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Five Star Bancorp Cash-to-Debt Related Terms
Five Star Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Five Star Bancorp's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Five Star Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's Cash-to-Debt 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.
Five Star Bancorp (FSBC) has a Cash-to-Debt of 7.53 as of Mar. 2026. This is 71% above median its historical median of 4.41. Over the past decade, Five Star Bancorp's Cash-to-Debt has ranged from 0.95 to 19.61. According to the industry distribution chart, Five Star Bancorp ranks #258 out of 1482 companies in the Banks industry, placing it in the top 17.4%.
Is Five Star Bancorp's Cash-to-Debt too high?
Five Star Bancorp's current Cash-to-Debt of 7.53 is 71% above median its 10-year median of 4.41. Over the past 10 years, this metric has ranged from a low of 0.95 to a high of 19.61. The Banks industry median Cash-to-Debt is 1.40. Five Star Bancorp's value of 7.53 is 439.8% above this industry median. Based on the distribution chart, Five Star Bancorp ranks #258 out of 1482 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 Cash-to-Debt compare to CPF and FBAK?
According to the Banks industry distribution chart, Five Star Bancorp ranks #258 out of 1482 companies for Cash-to-Debt. This places Five Star Bancorp in the top 17% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.40. Five Star Bancorp's value of 7.53 is 439.8% above this benchmark. Historically, Five Star Bancorp's own Cash-to-Debt has ranged from 0.95 to 19.61 over the past decade. While the company's 10-year median is 4.41 vs. the industry median of 1.40, 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,482 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current Cash-to-Debt of 7.53 is 439.8% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current Cash-to-Debt is 7.53, which is 71% above median its own 10-year median of 4.41. 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 $38.46, compared to a current price of $46.98 — trading 22.2% above its estimated fair value. The current Cash-to-Debt is 7.53, which is 71% above median its 10-year median of 4.41 and 439.8% above the Banks industry median of 1.40. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current Cash-to-Debt is 7.53 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 $46.98 is trading 22.2% above its estimated GF Value™ of $38.46.
GuruFocus considers Five Star Bancorp to be Modestly Overvalued.
Key valuation signals for FSBC:
Cash-to-Debt: 7.53 (71% above median its 10-year median of 4.41)
GF Value™: $38.46 vs. price of $46.98 (22.2% above fair value)
Industry Position: 439.8% above the Banks median (#258 of 1482)
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
Get the complete analysis for FSBC
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FSBC has been successfully added to your 
