FSBC (Five Star Bancorp) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is Five Star Bancorp LT-Debt-to-Total-Asset?

Five Star Bancorp FSBC +0.67% 66 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Five Star Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Five Star Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.02) to Mar. 2026 (0.02). It may suggest that Five Star Bancorp is progressively becoming less dependent on debt to grow their business.

Five Star Bancorp (NAS:FSBC) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Five Star Bancorp LT-Debt-to-Total-Asset Related Terms

Five Star Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Five Star Bancorp's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Five Star Bancorp Annual Data

Trend

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.01

0.06

0.07

0.02

Five Star Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.02	0.02	0.02	0.02

66GF Score

Five Star Bancorp FSBC

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Five Star Bancorp LT-Debt-to-Total-Asset Calculation

Five Star Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	85.913	/	4754.861
	=	0.02

Five Star Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	85.624	/	5031.751
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

Five Star Bancorp (FSBC) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Five Star Bancorp and its competitors.

Is Five Star Bancorp's LT-Debt-to-Total-Asset too high?

Five Star Bancorp's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset compare to SBNC and TRST?

Five Star Bancorp's LT-Debt-to-Total-Asset of 0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Five Star Bancorp and its competitors. Five Star Bancorp's current LT-Debt-to-Total-Asset is 0.02. 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 $48.04 — trading 28.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current LT-Debt-to-Total-Asset is 0.02 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 $48.04 is trading 28.9% above its estimated GF Value™ of $37.27. GuruFocus considers Five Star Bancorp to be Modestly Overvalued.

Key valuation signals for FSBC:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $37.27 vs. price of $48.04 (28.9% above fair value)
GF Score™: 66/100 with 7 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies SBNC TRST HAFC CPF CCNE MBWM NBBK BFST MCBS FMCB SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Other Exchanges 4F6:Germany

Address 3100 Zinfandel Drive, Suite 100, Rancho Cordova, CA, USA, 95670

Website https://www.fivestarbank.com

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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$48.04

Price

$37.27

GF Value

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