Five Star BancorpFSBC +0.46%66 FCF Margin % is 41.83% as of Mar. 2026, which is 0% above its 10-year median of 41.76. GuruFocus rates FSBC with a GF Score™ of 66/100 and a GF Value™ of $37.27 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,505 Banks companies, Five Star Bancorp ranks better than 71.96% on this metric.
The historical rank and industry rank for Five Star Bancorp's FCF Margin % or its related term are showing as below:
FSBC'
s FCF Margin % Range Over the Past 10 Years
Min: 32.65 Med: 41.76 Max: 68.64
Current: 44.83
During the past 7 years, the highest FCF Margin % of Five Star Bancorp was 68.64%. The lowest was 32.65%. And the median was 41.76%.
FSBC's FCF Margin % is ranked better than 71.96% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs FSBC: 44.83
Five Star Bancorp FCF Margin % Related Terms
Five Star Bancorp FCF Margin % Historical Data
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The historical data trend for Five Star Bancorp's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's FCF Margin % 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 FCF Margin % of 41.83% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Five Star Bancorp and its competitors. This is near median its historical median of 41.76. Over the past decade, Five Star Bancorp's FCF Margin % has ranged from 32.65 to 68.64. According to the industry distribution chart, Five Star Bancorp ranks #422 out of 1505 companies in the Banks industry, placing it in the top 28%.
Is Five Star Bancorp's FCF Margin % too high?
Five Star Bancorp's current FCF Margin % of 41.83% is near median its 10-year median of 41.76. Over the past 10 years, this metric has ranged from a low of 32.65 to a high of 68.64. The Banks industry median FCF Margin % is 26.55. Five Star Bancorp's value of 41.83% is 57.6% above this industry median. Based on the distribution chart, Five Star Bancorp ranks #422 out of 1505 companies in the Banks industry, which is above 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 FCF Margin % compare to SBNC and TRST?
According to the Banks industry distribution chart, Five Star Bancorp ranks #422 out of 1505 companies for FCF Margin %. This puts Five Star Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.55. Five Star Bancorp's value of 41.83% is 57.6% above this benchmark. Historically, Five Star Bancorp's own FCF Margin % has ranged from 32.65 to 68.64 over the past decade. While the company's 10-year median is 41.76 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current FCF Margin % of 41.83% is 57.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current FCF Margin % is 41.83%, which is near median its own 10-year median of 41.76. 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 $37.27, compared to a current price of $47.94 — trading 28.6% above its estimated fair value. The current FCF Margin % is 41.83%, which is near median its 10-year median of 41.76 and 57.6% above the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current FCF Margin % is 41.83% 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 $47.94 is trading 28.6% above its estimated GF Value™ of $37.27.
GuruFocus considers Five Star Bancorp to be Modestly Overvalued.
Key valuation signals for FSBC:
FCF Margin %: 41.83% (near median its 10-year median of 41.76)
GF Value™: $37.27 vs. price of $47.94 (28.6% above fair value)
Industry Position: 57.6% above the Banks median (#422 of 1505)
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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