Five Star BancorpFSBC +0.66%66 Debt-to-Equity is 0.19 as of Mar. 2026, which is 10% below its 10-year median of 0.21. GuruFocus rates FSBC with a GF Score™ of 66/100 and a GF Value™ of $37.47 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,424 Banks companies, Five Star Bancorp ranks better than 78.02% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Five Star Bancorp's Debt-to-Equity or its related term are showing as below:
FSBC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.12 Med: 0.21 Max: 0.88
Current: 0.19
During the past 7 years, the highest Debt-to-Equity Ratio of Five Star Bancorp was 0.88. The lowest was 0.12. And the median was 0.21.
FSBC's Debt-to-Equity is ranked better than 78.02% of 1424
companies
in the Banks industry
Industry Median: 0.56
vs FSBC: 0.19
Five Star Bancorp (NAS:FSBC) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Five Star Bancorp Debt-to-Equity Related Terms
Five Star Bancorp Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Five Star Bancorp's Debt-to-Equity 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.
FSBC vs ESQ, EQBK, MCBS: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Five Star Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's Debt-to-Equity 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 Debt-to-Equity of 0.19 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Five Star Bancorp and its competitors. This is 10% below median its historical median of 0.21. Over the past decade, Five Star Bancorp's Debt-to-Equity has ranged from 0.12 to 0.88. According to the industry distribution chart, Five Star Bancorp ranks #313 out of 1424 companies in the Banks industry, placing it in the top 22%.
Is Five Star Bancorp's Debt-to-Equity too high?
Five Star Bancorp's current Debt-to-Equity of 0.19 is 10% below median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.88. The Banks industry median Debt-to-Equity is 0.56. Five Star Bancorp's value of 0.19 is 66.1% below this industry median. Based on the distribution chart, Five Star Bancorp ranks #313 out of 1424 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 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Five Star Bancorp's Debt-to-Equity compare to ESQ and EQBK?
According to the Banks industry distribution chart, Five Star Bancorp ranks #313 out of 1424 companies for Debt-to-Equity. This places Five Star Bancorp in the top 22% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Five Star Bancorp's value of 0.19 is 66.1% below this benchmark. Historically, Five Star Bancorp's own Debt-to-Equity has ranged from 0.12 to 0.88 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.56, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,424 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current Debt-to-Equity of 0.19 is 66.1% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current Debt-to-Equity is 0.19, which is 10% below median its own 10-year median of 0.21. 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 Significantly Overvalued. The stock's GF Value™ is $37.47, compared to a current price of $48.98 — trading 30.7% above its estimated fair value. The current Debt-to-Equity is 0.19, which is 10% below median its 10-year median of 0.21 and 66.1% below the Banks industry median of 0.56. Five Star Bancorp's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current Debt-to-Equity is 0.19 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 $48.98 is trading 30.7% above its estimated GF Value™ of $37.47.
GuruFocus considers Five Star Bancorp to be Significantly Overvalued.
Key valuation signals for FSBC:
Debt-to-Equity: 0.19 (10% below median its 10-year median of 0.21)
GF Value™: $37.47 vs. price of $48.98 (30.7% above fair value)
Industry Position: 66.1% below the Banks median (#313 of 1424)
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.
66GF Score
Get the complete analysis for FSBC
Debt-to-Equity 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 
