FSBC (Five Star Bancorp) Margin of Safety % (DCF FCF Based): N/A (As of Aug. 10, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FSBC Five Star Bancorp FSBC
71 GF Score
Price $46.01
GF Value $38.91
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Five Star Bancorp Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Five Star Bancorp's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

FSBC vs CPF, FBAK, MBWM: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Five Star Bancorp's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Five Star Bancorp's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Five Star Bancorp's Margin of Safety % (DCF FCF Based) falls into.


FSBC
71GF Score
Five Star Bancorp FSBC
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $46.01 is trading 18.2% above its estimated GF Value™ of $38.91. GuruFocus considers Five Star Bancorp to be Modestly Overvalued.

Key valuation signals for FSBC:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: $38.91 vs. price of $46.01 (18.2% above fair value)
  • GF Score™: 71/100 with 3 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

Other Exchanges 4F6:Germany
Address 3100 Zinfandel Drive, Suite 100, Rancho Cordova, CA, USA, 95670
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

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$46.01
Price
$38.91
GF Value