Five Star Bancorp has the GF Score of 64, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Five Star Bancorp
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Five Star Bancorp (FRA:4F6) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Five Star Bancorp GF Score Related Terms
FRA:4F6 vs ESQ, EQBK, MCBS: GF Score Comparison
For the Banks - Regional subindustry, Five Star Bancorp's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's GF Score distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's GF Score falls into.
Five Star Bancorp (FRA:4F6) has a GF Score of 64 as of Jul. 07, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Five Star Bancorp and its competitors. This is 68% above median its historical median of 38.00. Over the past decade, Five Star Bancorp's GF Score has ranged from 8.00 to 80.00.
Is Five Star Bancorp's GF Score too high?
Five Star Bancorp's current GF Score of 64 is 68% above median its 10-year median of 38.00. Over the past 10 years, this metric has ranged from a low of 8.00 to a high of 80.00. 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 GF Score compare to ESQ and EQBK?
Five Star Bancorp's GF Score of 64 can be compared against companies in the Banks industry. Historically, Five Star Bancorp's own GF Score has ranged from 8.00 to 80.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Five Star Bancorp and its competitors. Five Star Bancorp's current GF Score is 64, which is 68% above median its own 10-year median of 38.00. 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 €32.18, compared to a current price of €42.00 — trading 30.5% above its estimated fair value. The current GF Score is 64, which is 68% above median its 10-year median of 38.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Five Star Bancorp (FRA:4F6), the current GF Score is 64 as of Jul. 07, 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 €42.00 is trading 30.5% above its estimated GF Value™ of €32.18.
GuruFocus considers Five Star Bancorp to be Significantly Overvalued.
Key valuation signals for FRA:4F6:
GF Score: 64 (68% above median its 10-year median of 38.00)
GF Value™: €32.18 vs. price of €42.00 (30.5% above fair value)
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
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