Five Star BancorpFRA:4F6 -2.34%64 EV-to-FCF is 6.61 as of Jul. 05, 2026, which is 46% above its 10-year median of 4.54. GuruFocus rates FRA:4F6 with a GF Score™ of 64/100 and a GF Value™ of €32.15 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,196 Banks companies, Five Star Bancorp ranks better than 50.67% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Five Star Bancorp's Enterprise Value is €425.0 Mil.
Five Star Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €64.3 Mil. Therefore, Five Star Bancorp's EV-to-FCF for today is 6.61.
The historical rank and industry rank for Five Star Bancorp's EV-to-FCF or its related term are showing as below:
FRA:4F6'
s EV-to-FCF Range Over the Past 10 Years
Min: -3.79 Med: 4.54 Max: 17.85
Current: 6.43
During the past 7 years, the highest EV-to-FCF of Five Star Bancorp was 17.85. The lowest was -3.79. And the median was 4.54.
FRA:4F6's EV-to-FCF is ranked better than 50.67% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs FRA:4F6: 6.43
EV-to-FCF 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.
EV-to-FCF 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 €41.80.
Five Star Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €2.708.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Five Star Bancorp EV-to-FCF Related Terms
Five Star Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Five Star Bancorp's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's EV-to-FCF falls into.
Five Star Bancorp's current Enterprise Value is €425.0 Mil.
Five Star Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €64.3 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 (FRA:4F6) has a EV-to-FCF of 6.61 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Five Star Bancorp and its competitors. This is 46% above median its historical median of 4.54. According to the industry distribution chart, Five Star Bancorp ranks #590 out of 1196 companies in the Banks industry, placing it in the top 49.3%.
Is Five Star Bancorp's EV-to-FCF too high?
Five Star Bancorp's current EV-to-FCF of 6.61 is 46% above median its 10-year median of 4.54. The Banks industry median EV-to-FCF is 6.57. Five Star Bancorp's value of 6.61 is 0.7% above this industry median. Based on the distribution chart, Five Star Bancorp ranks #590 out of 1196 companies in the Banks industry, which is above the industry midpoint. Overall, Five Star Bancorp has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Five Star Bancorp's EV-to-FCF compare to ESQ and EQBK?
According to the Banks industry distribution chart, Five Star Bancorp ranks #590 out of 1196 companies for EV-to-FCF. This puts Five Star Bancorp in the upper half of its industry. The industry median EV-to-FCF is 6.57. Five Star Bancorp's value of 6.61 is 0.7% above this benchmark. While the company's 10-year median is 4.54 vs. the industry median of 6.57, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current EV-to-FCF of 6.61 is 0.7% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current EV-to-FCF is 6.61, which is 46% above median its own 10-year median of 4.54. 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 (FRA:4F6) is currently considered Significantly Overvalued. The stock's GF Value™ is €32.15, compared to a current price of €41.80 — trading 30% above its estimated fair value. The current EV-to-FCF is 6.61, which is 46% above median its 10-year median of 4.54 and 0.7% above the Banks industry median of 6.57. Five Star Bancorp's overall GF Score™ is 64/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Five Star Bancorp (FRA:4F6), the current EV-to-FCF is 6.61 as of Jul. 05, 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 (FRA:4F6) Overvalued in 2026?
Based on GuruFocus' analysis, Five Star Bancorp stock appears to be overvalued.
The current stock price of €41.80 is trading 30% above its estimated GF Value™ of €32.15.
GuruFocus considers Five Star Bancorp to be Significantly Overvalued.
Key valuation signals for FRA:4F6:
EV-to-FCF: 6.61 (46% above median its 10-year median of 4.54)
GF Value™: €32.15 vs. price of €41.80 (30% above fair value)
Industry Position: 0.7% above the Banks median (#590 of 1196)
No single metric tells the full story. See the FRA:4F6 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.
64GF Score
Get the complete analysis for FRA:4F6
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:4F6 has been successfully added to your 
