FSBC (Five Star Bancorp) Moat Score: 5/10 (As of Jun. 26, 2026)


FSBC Five Star Bancorp FSBC
66 GF Score
Price $47.94
GF Value $37.27
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Five Star Bancorp Moat Score?

Five Star Bancorp FSBC +0.46% 66 Moat Score is 5 as of Jun. 26, 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. Among 1,610 Banks companies, Five Star Bancorp ranks better than 93.98% on this metric.

Five Star Bancorp has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Five Star Bancorp has Narrow Moat: Five Star Bancorp has a solid narrow moat due to its regional market presence and customer relationships. It benefits from some economies of scale and a strong distribution network. However, it lacks significant intellectual property or regulatory barriers that would elevate it to a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Five Star Bancorp might have Narrow Moat - Solid narrow moat.

Five Star Bancorp  (NAS:FSBC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Five Star Bancorp Moat Score Related Terms

FSBC vs SBNC, TRST, HAFC: Moat Score Comparison

For the Banks - Regional subindustry, Five Star Bancorp's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Five Star Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Five Star Bancorp's Moat Score falls into.


FSBC
66GF Score
Five Star Bancorp FSBC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Five Star Bancorp (FSBC) has a Moat Score of 5 as of Jun. 26, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Five Star Bancorp ranks #97 out of 1610 companies in the Banks industry, placing it in the top 6%.
Is Five Star Bancorp's Moat Score too high?
Five Star Bancorp's current Moat Score is 5. Based on the distribution chart, Five Star Bancorp ranks #97 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position 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 Moat Score compare to SBNC and TRST?
According to the Banks industry distribution chart, Five Star Bancorp ranks #97 out of 1610 companies for Moat Score. This places Five Star Bancorp in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Five Star Bancorp's current Moat Score is 5. 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 $47.94 — trading 28.6% above its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current Moat Score is 5 as of Jun. 26, 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 $47.94 is trading 28.6% above its estimated GF Value™ of $37.27. GuruFocus considers Five Star Bancorp to be Modestly Overvalued.

Key valuation signals for FSBC:

  • Moat Score: 5
  • GF Value™: $37.27 vs. price of $47.94 (28.6% 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

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.
66GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$47.94
Price
$37.27
GF Value