Five Star BancorpFSBC +0.46%66 OCF Margin % is 42.20% as of Mar. 2026, which is at its 10-year median of 42.20. 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 1,501 Banks companies, Five Star Bancorp ranks better than 70.55% on this metric.
The historical rank and industry rank for Five Star Bancorp's OCF Margin % or its related term are showing as below:
FSBC'
s OCF Margin % Range Over the Past 10 Years
Min: 33.2 Med: 42.2 Max: 69.77
Current: 45.59
During the past 7 years, the highest OCF Margin % of Five Star Bancorp was 69.77%. The lowest was 33.20%. And the median was 42.20%.
FSBC's OCF Margin % is ranked better than 70.55% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs FSBC: 45.59
Five Star Bancorp OCF Margin % Related Terms
Five Star Bancorp OCF Margin % Historical Data
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The historical data trend for Five Star Bancorp's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's OCF 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 OCF Margin % of 42.20% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Five Star Bancorp and its competitors. This is near median its historical median of 42.20. Over the past decade, Five Star Bancorp's OCF Margin % has ranged from 33.20 to 69.77. According to the industry distribution chart, Five Star Bancorp ranks #442 out of 1501 companies in the Banks industry, placing it in the top 29.4%.
Is Five Star Bancorp's OCF Margin % too high?
Five Star Bancorp's current OCF Margin % of 42.20% is near median its 10-year median of 42.20. Over the past 10 years, this metric has ranged from a low of 33.20 to a high of 69.77. The Banks industry median OCF Margin % is 29.44. Five Star Bancorp's value of 42.20% is 43.3% above this industry median. Based on the distribution chart, Five Star Bancorp ranks #442 out of 1501 companies in the Banks industry, which is above the industry midpoint. 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 OCF Margin % compare to SBNC and TRST?
According to the Banks industry distribution chart, Five Star Bancorp ranks #442 out of 1501 companies for OCF Margin %. This puts Five Star Bancorp in the upper half of its industry. The industry median OCF Margin % is 29.44. Five Star Bancorp's value of 42.20% is 43.3% above this benchmark. Historically, Five Star Bancorp's own OCF Margin % has ranged from 33.20 to 69.77 over the past decade. While the company's 10-year median is 42.20 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current OCF Margin % of 42.20% is 43.3% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current OCF Margin % is 42.20%, which is near median its own 10-year median of 42.20. 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 OCF Margin % is 42.20%, which is near median its 10-year median of 42.20 and 43.3% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current OCF Margin % is 42.20% 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 $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:
OCF Margin %: 42.20% (near median its 10-year median of 42.20)
GF Value™: $37.27 vs. price of $47.94 (28.6% above fair value)
Industry Position: 43.3% above the Banks median (#442 of 1501)
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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