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Five Star BancorpFSBC -0.15%66 Equity-to-Asset is 0.09 as of Mar. 2026, which is 13% above its 10-year median of 0.08. GuruFocus rates FSBC with a GF Score™ of 66/100 and a GF Value™ of $37.64 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,529 Banks companies, Five Star Bancorp ranks worse than 55.07% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Five Star Bancorp's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $458.5 Mil. Five Star Bancorp's Total Assets for the quarter that ended in Mar. 2026 was $5,031.8 Mil.
Therefore, Five Star Bancorp's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.09.
The historical rank and industry rank for Five Star Bancorp's Equity-to-Asset or its related term are showing as below:
FSBC'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06 Med: 0.08 Max: 0.11
Current: 0.09
During the past 7 years, the highest Equity to Asset Ratio of Five Star Bancorp was 0.11. The lowest was 0.06. And the median was 0.08.
FSBC's Equity-to-Asset is ranked worse than 55.07% of 1529
companies
in the Banks industry
Industry Median: 0.1
vs FSBC: 0.09
Five Star Bancorp (NAS:FSBC) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Five Star Bancorp Equity-to-Asset Related Terms
Five Star Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Five Star Bancorp's Equity-to-Asset 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: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Five Star Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Five Star Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.09 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Five Star Bancorp and its competitors. This is 13% above median its historical median of 0.08. Over the past decade, Five Star Bancorp's Equity-to-Asset has ranged from 0.06 to 0.11. According to the industry distribution chart, Five Star Bancorp ranks #842 out of 1529 companies in the Banks industry, placing it in the top 55.1%.
Is Five Star Bancorp's Equity-to-Asset too high?
Five Star Bancorp's current Equity-to-Asset of 0.09 is 13% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.11. The Banks industry median Equity-to-Asset is 0.10. Five Star Bancorp's value of 0.09 is 10% below this industry median. Based on the distribution chart, Five Star Bancorp ranks #842 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, Five Star Bancorp has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Five Star Bancorp's Equity-to-Asset compare to ESQ and EQBK?
According to the Banks industry distribution chart, Five Star Bancorp ranks #842 out of 1529 companies for Equity-to-Asset. This places Five Star Bancorp in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Five Star Bancorp's value of 0.09 is 10% below this benchmark. Historically, Five Star Bancorp's own Equity-to-Asset has ranged from 0.06 to 0.11 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current Equity-to-Asset of 0.09 is 10% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current Equity-to-Asset is 0.09, which is 13% above median its own 10-year median of 0.08. 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 $37.64, compared to a current price of $47.58 — trading 26.4% above its estimated fair value. The current Equity-to-Asset is 0.09, which is 13% above median its 10-year median of 0.08 and 10% below the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current Equity-to-Asset is 0.09 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 $47.58 is trading 26.4% above its estimated GF Value™ of $37.64.
GuruFocus considers Five Star Bancorp to be Modestly Overvalued.
Key valuation signals for FSBC:
Equity-to-Asset: 0.09 (13% above median its 10-year median of 0.08)
GF Value™: $37.64 vs. price of $47.58 (26.4% above fair value)
Industry Position: 10% below the Banks median (#842 of 1529)
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
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