Five Star Bancorp (NAS:FSBC) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
Five Star Bancorp Forward PE Ratio Related Terms
Five Star Bancorp Forward PE Ratio Historical Data
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The historical data trend for Five Star Bancorp's Forward PE Ratio 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.
Five Star Bancorp Forward PE Ratio Chart
Five Star Bancorp Annual Data
Trend
2024-12
2025-12
Forward PE Ratio
11.59
10.88
Five Star Bancorp Quarterly Data
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
Forward PE Ratio
11.59
10.60
10.70
10.14
10.88
10.84
FSBC vs ESQ, EQBK, MCBS: Forward PE Ratio Comparison
For the Banks - Regional subindustry, Five Star Bancorp's Forward PE Ratio, along with its competitors' market caps and Forward PE Ratio 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 Forward PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's Forward PE Ratio falls into.
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
Five Star Bancorp (FSBC) has a Forward PE Ratio of 13.56 as of Jun. 30, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Five Star Bancorp and its competitors. According to the industry distribution chart, Five Star Bancorp ranks #637 out of 817 companies in the Banks industry, placing it in the top 78%.
Is Five Star Bancorp's Forward PE Ratio too high?
Five Star Bancorp's current Forward PE Ratio is 13.56. The Banks industry median Forward PE Ratio is 10.99. Five Star Bancorp's value of 13.56 is 23.4% above this industry median. Based on the distribution chart, Five Star Bancorp ranks #637 out of 817 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Forward PE Ratio compare to ESQ and EQBK?
According to the Banks industry distribution chart, Five Star Bancorp ranks #637 out of 817 companies for Forward PE Ratio. This places Five Star Bancorp in the lower half of its industry. The industry median Forward PE Ratio is 10.99. Five Star Bancorp's value of 13.56 is 23.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for a Banks company?
The median Forward PE Ratio among Banks companies is 10.99, based on 817 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current Forward PE Ratio of 13.56 is 23.4% 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 Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median Forward PE Ratio is 10.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current Forward PE Ratio is 13.56. 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 $48.22 — trading 29.4% above its estimated fair value. The current Forward PE Ratio is 13.56 and 23.4% above the Banks industry median of 10.99. 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 Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current Forward PE Ratio is 13.56 as of Jun. 30, 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 $48.22 is trading 29.4% above its estimated GF Value™ of $37.27.
GuruFocus considers Five Star Bancorp to be Modestly Overvalued.
Key valuation signals for FSBC:
Forward PE Ratio: 13.56
GF Value™: $37.27 vs. price of $48.22 (29.4% above fair value)
Industry Position: 23.4% above the Banks median (#637 of 817)
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
Get the complete analysis for FSBC
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