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Five Star BancorpFSBC +0.75%67 3-Year FCF Growth Rate is 8.20% as of Jun. 2026, which is 14% below its 10-year median of 9.50. GuruFocus rates FSBC with a GF Score™ of 67/100 and a GF Value™ of $39.97 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,049 Banks companies, Five Star Bancorp ranks better than 62.15% on this metric.
During the past 12 months, Five Star Bancorp's average Free Cash Flow per Share Growth Rate was 17.90% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 8.20% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 3.30% 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 Free Cash Flow per Share growth rate.
During the past 7 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Five Star Bancorp was 14.90% per year. The lowest was -10.60% per year. And the median was 9.50% per year.
Five Star Bancorp (NAS:FSBC) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Five Star Bancorp 3-Year FCF Growth Rate Related Terms
FSBC vs CPF, FBAK, MBWM: 3-Year FCF Growth Rate Comparison
For the Banks - Regional subindustry, Five Star Bancorp's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF 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 FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's 3-Year FCF Growth Rate falls into.
Five Star Bancorp 3-Year FCF Growth Rate Calculation
This is the 3-year average growth rate of Free Cash Flow 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 Free Cash Flow per Share growth rate.
Five Star Bancorp (FSBC) has a 3-Year FCF Growth Rate of 8.20% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Five Star Bancorp and its competitors. This is 14% below median its historical median of 9.50. According to the industry distribution chart, Five Star Bancorp ranks #397 out of 1049 companies in the Banks industry, placing it in the top 37.8%.
Is Five Star Bancorp's 3-Year FCF Growth Rate too high?
Five Star Bancorp's current 3-Year FCF Growth Rate of 8.20% is 14% below median its 10-year median of 9.50. The Banks industry median 3-Year FCF Growth Rate is 0.50. Five Star Bancorp's value of 8.20% is 1540% above this industry median. Based on the distribution chart, Five Star Bancorp ranks #397 out of 1049 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 FCF Growth Rate compare to CPF and FBAK?
According to the Banks industry distribution chart, Five Star Bancorp ranks #397 out of 1049 companies for 3-Year FCF Growth Rate. This puts Five Star Bancorp in the upper half of its industry. The industry median 3-Year FCF Growth Rate is 0.50. Five Star Bancorp's value of 8.20% is 1540% above this benchmark. While the company's 10-year median is 9.50 vs. the industry median of 0.50, 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 FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.50, based on 1,049 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF 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 FCF Growth Rate of 8.20% is 1540% 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 FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Five Star Bancorp and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current 3-Year FCF Growth Rate is 8.20%, which is 14% below median its own 10-year median of 9.50. 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 $39.97, compared to a current price of $45.66 — trading 14.2% above its estimated fair value. The current 3-Year FCF Growth Rate is 8.20%, which is 14% below median its 10-year median of 9.50 and 1540% above the Banks industry median of 0.50. Five Star Bancorp's overall GF Score™ is 67/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current 3-Year FCF Growth Rate is 8.20% 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 $45.66 is trading 14.2% above its estimated GF Value™ of $39.97.
GuruFocus considers Five Star Bancorp to be Modestly Overvalued.
Key valuation signals for FSBC:
3-Year FCF Growth Rate: 8.20% (14% below median its 10-year median of 9.50)
GF Value™: $39.97 vs. price of $45.66 (14.2% above fair value)
Industry Position: 1540% above the Banks median (#397 of 1049)
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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