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Five Star BancorpFSBC -0.07%71 EV-to-OCF is 6.46 as of Aug. 10, 2026, which is 39% above its 10-year median of 4.64. GuruFocus rates FSBC with a GF Score™ of 71/100 and a GF Value™ of $38.91 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,499 Banks companies, Five Star Bancorp ranks worse than 58.11% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Five Star Bancorp's Enterprise Value is $529.2 Mil.
Five Star Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $82.0 Mil. Therefore, Five Star Bancorp's EV-to-OCF for today is 6.46.
The historical rank and industry rank for Five Star Bancorp's EV-to-OCF or its related term are showing as below:
FSBC'
s EV-to-OCF Range Over the Past 10 Years
Min: -3.74 Med: 4.64 Max: 17.47
Current: 6.46
During the past 7 years, the highest EV-to-OCF of Five Star Bancorp was 17.47. The lowest was -3.74. And the median was 4.64.
FSBC's EV-to-OCF is ranked worse than 58.11% of 1499
companies
in the Banks industry
Industry Median: 4.08
vs FSBC: 6.46
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Five Star Bancorp (NAS:FSBC) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Five Star Bancorp's PE Ratio (TTM) for today is calculated as:
Five Star Bancorp's share price for today is $46.01.
Five Star Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.380.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Five Star Bancorp EV-to-OCF Related Terms
Five Star Bancorp EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Five Star Bancorp's EV-to-OCF 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.
For the Banks - Regional subindustry, Five Star Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's EV-to-OCF falls into.
Five Star Bancorp's current Enterprise Value is $529.2 Mil.
Five Star Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $82.0 Mil.
* 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 EV-to-OCF of 6.46 as of Aug. 10, 2026. This is 39% above median its historical median of 4.64. According to the industry distribution chart, Five Star Bancorp ranks #871 out of 1499 companies in the Banks industry, placing it in the top 58.1%.
Is Five Star Bancorp's EV-to-OCF too high?
Five Star Bancorp's current EV-to-OCF of 6.46 is 39% above median its 10-year median of 4.64. The Banks industry median EV-to-OCF is 4.08. Five Star Bancorp's value of 6.46 is 58.3% above this industry median. Based on the distribution chart, Five Star Bancorp ranks #871 out of 1499 companies in the Banks industry, which is below the industry midpoint. Overall, Five Star Bancorp has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Five Star Bancorp's EV-to-OCF compare to CPF and FBAK?
According to the Banks industry distribution chart, Five Star Bancorp ranks #871 out of 1499 companies for EV-to-OCF. This places Five Star Bancorp in the lower half of its industry. The industry median EV-to-OCF is 4.08. Five Star Bancorp's value of 6.46 is 58.3% above this benchmark. While the company's 10-year median is 4.64 vs. the industry median of 4.08, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.08, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current EV-to-OCF of 6.46 is 58.3% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current EV-to-OCF is 6.46, which is 39% above median its own 10-year median of 4.64. 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 $38.91, compared to a current price of $46.01 — trading 18.2% above its estimated fair value. The current EV-to-OCF is 6.46, which is 39% above median its 10-year median of 4.64 and 58.3% above the Banks industry median of 4.08. Five Star Bancorp's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current EV-to-OCF is 6.46 as of Aug. 10, 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 $46.01 is trading 18.2% above its estimated GF Value™ of $38.91.
GuruFocus considers Five Star Bancorp to be Modestly Overvalued.
Key valuation signals for FSBC:
EV-to-OCF: 6.46 (39% above median its 10-year median of 4.64)
GF Value™: $38.91 vs. price of $46.01 (18.2% above fair value)
Industry Position: 58.3% above the Banks median (#871 of 1499)
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.
71GF Score
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