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Five Star BancorpFSBC -0.79%71 Intrinsic Value: Projected FCF is $45.20 as of Aug. 09, 2026, which is 4760% above its 10-year median of 0.93. GuruFocus rates FSBC with a GF Score™ of 71/100 and a GF Value™ of $38.91 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 965 Banks companies, Five Star Bancorp ranks worse than 103626.84% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-09), Five Star Bancorp's Intrinsic Value: Projected FCF is $45.20. The stock price of Five Star Bancorp is $46.04. Therefore, Five Star Bancorp's Price-to-Intrinsic-Value-Projected-FCF of today is 1.0.
The historical rank and industry rank for Five Star Bancorp's Intrinsic Value: Projected FCF or its related term are showing as below:
FSBC'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.89 Med: 0.93 Max: 1.02
Current: 1.02
During the past 7 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Five Star Bancorp was 1.02. The lowest was 0.89. And the median was 0.93.
FSBC's Price-to-Projected-FCF is not ranked
in the Banks industry.
Industry Median: 0.57
vs FSBC: 1.02
Five Star Bancorp (NAS:FSBC) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Five Star Bancorp's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
46.04
/
45.203768365766
=
1.02
* 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 Intrinsic Value: Projected FCF Related Terms
Five Star Bancorp Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Five Star Bancorp's Intrinsic Value: Projected 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.
Five Star Bancorp Intrinsic Value: Projected FCF Chart
FSBC vs CPF, FBAK, MBWM: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, Five Star Bancorp's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's Price-to-Projected-FCF falls into.
Five Star Bancorp Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $45.20 mean?
Five Star Bancorp (FSBC) has a Intrinsic Value: Projected FCF of $45.20 as of Aug. 09, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Five Star Bancorp and its competitors. This is 4760% above median its historical median of 0.93. Over the past decade, Five Star Bancorp's Intrinsic Value: Projected FCF has ranged from 0.89 to 1.02. According to the industry distribution chart, Five Star Bancorp ranks #999999 out of 965 companies in the Banks industry.
Is Five Star Bancorp's Intrinsic Value: Projected FCF too high?
Five Star Bancorp's current Intrinsic Value: Projected FCF of $45.20 is 4760% above median its 10-year median of 0.93. Over the past 10 years, this metric has ranged from a low of 0.89 to a high of 1.02. The Banks industry median Intrinsic Value: Projected FCF is 0.57. Five Star Bancorp's value of $45.20 is 7829.8% above this industry median. Based on the distribution chart, Five Star Bancorp ranks #999999 out of 965 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Five Star Bancorp has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Five Star Bancorp's Intrinsic Value: Projected FCF compare to CPF and FBAK?
According to the Banks industry distribution chart, Five Star Bancorp ranks #999999 out of 965 companies for Intrinsic Value: Projected FCF. This places Five Star Bancorp in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.57. Five Star Bancorp's value of $45.20 is 7829.8% above this benchmark. Historically, Five Star Bancorp's own Intrinsic Value: Projected FCF has ranged from 0.89 to 1.02 over the past decade. While the company's 10-year median is 0.93 vs. the industry median of 0.57, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.57, based on 965 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current Intrinsic Value: Projected FCF of $45.20 is 7829.8% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current Intrinsic Value: Projected FCF is $45.20, which is 4760% above median its own 10-year median of 0.93. 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 $38.91, compared to a current price of $46.04 — trading 18.3% above its estimated fair value. The current Intrinsic Value: Projected FCF is $45.20, which is 4760% above median its 10-year median of 0.93 and 7829.8% above the Banks industry median of 0.57. Five Star Bancorp's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current Intrinsic Value: Projected FCF is $45.20 as of Aug. 09, 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 $46.04 is trading 18.3% above its estimated GF Value™ of $38.91.
GuruFocus considers Five Star Bancorp to be Modestly Overvalued.
Key valuation signals for FSBC:
Intrinsic Value: Projected FCF: $45.20 (4760% above median its 10-year median of 0.93)
GF Value™: $38.91 vs. price of $46.04 (18.3% above fair value)
Industry Position: 7829.8% above the Banks median (#999999 of 965)
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.
71GF Score
Get the complete analysis for FSBC
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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