Five Star BancorpFSBC +0.67%66 Net Margin % is 41.52% as of Mar. 2026, which is 1% above its 10-year median of 41.12. 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 1,527 Banks companies, Five Star Bancorp ranks better than 84.61% on this metric.
The historical rank and industry rank for Five Star Bancorp's Net Margin % or its related term are showing as below:
FSBC'
s Net Margin % Range Over the Past 10 Years
Min: 36.55 Med: 41.12 Max: 50.62
Current: 40.23
FSBC's Net Margin % is ranked better than 84.61% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FSBC: 40.23
Five Star Bancorp (NAS:FSBC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Five Star Bancorp Net Margin % Related Terms
Five Star Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Five Star Bancorp's Net Margin % 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.
For the Banks - Regional subindustry, Five Star Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's Net Margin % falls into.
* 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 (FSBC) has a Net Margin % of 41.52% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Five Star Bancorp and its competitors. This is near median its historical median of 41.12. Over the past decade, Five Star Bancorp's Net Margin % has ranged from 36.55 to 50.62. According to the industry distribution chart, Five Star Bancorp ranks #235 out of 1527 companies in the Banks industry, placing it in the top 15.4%.
Is Five Star Bancorp's Net Margin % too high?
Five Star Bancorp's current Net Margin % of 41.52% is near median its 10-year median of 41.12. Over the past 10 years, this metric has ranged from a low of 36.55 to a high of 50.62. The Banks industry median Net Margin % is 26.95. Five Star Bancorp's value of 41.52% is 54.1% above this industry median. Based on the distribution chart, Five Star Bancorp ranks #235 out of 1527 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 Net Margin % compare to SBNC and TRST?
According to the Banks industry distribution chart, Five Star Bancorp ranks #235 out of 1527 companies for Net Margin %. This places Five Star Bancorp in the top 15% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Five Star Bancorp's value of 41.52% is 54.1% above this benchmark. Historically, Five Star Bancorp's own Net Margin % has ranged from 36.55 to 50.62 over the past decade. While the company's 10-year median is 41.12 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current Net Margin % of 41.52% is 54.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current Net Margin % is 41.52%, which is near median its own 10-year median of 41.12. 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 Net Margin % is 41.52%, which is near median its 10-year median of 41.12 and 54.1% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current Net Margin % is 41.52% 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:
Net Margin %: 41.52% (near median its 10-year median of 41.12)
GF Value™: $37.27 vs. price of $48.04 (28.9% above fair value)
Industry Position: 54.1% above the Banks median (#235 of 1527)
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.
66GF Score
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