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Five Star BancorpFSBC -0.25%67 3-Year EPS without NRI Growth Rate is 3.60% as of Mar. 2026, which is 38% below its 10-year median of 5.80. GuruFocus rates FSBC with a GF Score™ of 67/100 and a GF Value™ of $38.34 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,413 Banks companies, Five Star Bancorp ranks worse than 61.15% on this metric.
During the past 12 months, Five Star Bancorp's average EPS without NRI Growth Rate was 38.20% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 3.60% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 2.20% 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 EPS without NRI growth rate.
During the past 7 years, the highest 3-Year average EPS without NRI Growth Rate of Five Star Bancorp was 13.20% per year. The lowest was -7.20% per year. And the median was 5.80% per year.
Five Star Bancorp (NAS:FSBC) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Five Star Bancorp 3-Year EPS without NRI Growth Rate Related Terms
FSBC vs CPF, FBAK, MBWM: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Five Star Bancorp's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's 3-Year EPS without NRI Growth Rate falls into.
Five Star Bancorp 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 3.60% mean?
Five Star Bancorp (FSBC) has a 3-Year EPS without NRI Growth Rate of 3.60% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Five Star Bancorp and its competitors. This is 38% below median its historical median of 5.80. According to the industry distribution chart, Five Star Bancorp ranks #864 out of 1413 companies in the Banks industry, placing it in the top 61.1%.
Is Five Star Bancorp's 3-Year EPS without NRI Growth Rate too high?
Five Star Bancorp's current 3-Year EPS without NRI Growth Rate of 3.60% is 38% below median its 10-year median of 5.80. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.30. Five Star Bancorp's value of 3.60% is 50.7% below this industry median. Based on the distribution chart, Five Star Bancorp ranks #864 out of 1413 companies in the Banks industry, which is below 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 EPS without NRI Growth Rate compare to CPF and FBAK?
According to the Banks industry distribution chart, Five Star Bancorp ranks #864 out of 1413 companies for 3-Year EPS without NRI Growth Rate. This places Five Star Bancorp in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.30. Five Star Bancorp's value of 3.60% is 50.7% below this benchmark. While the company's 10-year median is 5.80 vs. the industry median of 7.30, 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.30, based on 1,413 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 3.60% is 50.7% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Five Star Bancorp and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current 3-Year EPS without NRI Growth Rate is 3.60%, which is 38% below median its own 10-year median of 5.80. 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 $38.34, compared to a current price of $47.25 — trading 23.2% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 3.60%, which is 38% below median its 10-year median of 5.80 and 50.7% below the Banks industry median of 7.30. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current 3-Year EPS without NRI Growth Rate is 3.60% 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 $47.25 is trading 23.2% above its estimated GF Value™ of $38.34.
GuruFocus considers Five Star Bancorp to be Modestly Overvalued.
Key valuation signals for FSBC:
3-Year EPS without NRI Growth Rate: 3.60% (38% below median its 10-year median of 5.80)
GF Value™: $38.34 vs. price of $47.25 (23.2% above fair value)
Industry Position: 50.7% below the Banks median (#864 of 1413)
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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