Five Star BancorpFSBC +0.38%66 PB Ratio is 2.23 as of Jun. 26, 2026, which is 30% above its 10-year median of 1.71. 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 1,516 Banks companies, Five Star Bancorp ranks worse than 91.36% on this metric.
Five Star Bancorp stock PB Ratio (=2.22) is close to 5-year high of 2.4.
The historical rank and industry rank for Five Star Bancorp's PB Ratio or its related term are showing as below:
FSBC'
s PB Ratio Range Over the Past 10 Years
Min: 1.19 Med: 1.71 Max: 3.37
Current: 2.23
During the past 7 years, Five Star Bancorp's highest PB Ratio was 3.37. The lowest was 1.19. And the median was 1.71.
FSBC's PB Ratio is ranked worse than 91.36% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs FSBC: 2.23
During the past 12 months, Five Star Bancorp's average Book Value Per Share Growth Rate was 12.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 17.70% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Five Star Bancorp was 29.90% per year. The lowest was 10.90% per year. And the median was 19.40% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Five Star Bancorp PB Ratio Related Terms
Five Star Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for Five Star Bancorp's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Five Star Bancorp (FSBC) has a PB Ratio of 2.23 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Five Star Bancorp and its competitors. This is 30% above median its historical median of 1.71. Over the past decade, Five Star Bancorp's PB Ratio has ranged from 1.19 to 3.37. According to the industry distribution chart, Five Star Bancorp ranks #1385 out of 1516 companies in the Banks industry, placing it in the top 91.4%.
Is Five Star Bancorp's PB Ratio too high?
Five Star Bancorp's current PB Ratio of 2.23 is 30% above median its 10-year median of 1.71. Over the past 10 years, this metric has ranged from a low of 1.19 to a high of 3.37. The Banks industry median PB Ratio is 1.09. Five Star Bancorp's value of 2.23 is 104.6% above this industry median. Based on the distribution chart, Five Star Bancorp ranks #1385 out of 1516 companies in the Banks industry, which is in the bottom quartile 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 PB Ratio compare to SBNC and TRST?
According to the Banks industry distribution chart, Five Star Bancorp ranks #1385 out of 1516 companies for PB Ratio. This places Five Star Bancorp in the lower half of its industry. The industry median PB Ratio is 1.09. Five Star Bancorp's value of 2.23 is 104.6% above this benchmark. Historically, Five Star Bancorp's own PB Ratio has ranged from 1.19 to 3.37 over the past decade. While the company's 10-year median is 1.71 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current PB Ratio of 2.23 is 104.6% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current PB Ratio is 2.23, which is 30% above median its own 10-year median of 1.71. 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 $47.90 — trading 28.5% above its estimated fair value. The current PB Ratio is 2.23, which is 30% above median its 10-year median of 1.71 and 104.6% above the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current PB Ratio is 2.23 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 $47.90 is trading 28.5% above its estimated GF Value™ of $37.27.
GuruFocus considers Five Star Bancorp to be Modestly Overvalued.
Key valuation signals for FSBC:
PB Ratio: 2.23 (30% above median its 10-year median of 1.71)
GF Value™: $37.27 vs. price of $47.90 (28.5% above fair value)
Industry Position: 104.6% above the Banks median (#1385 of 1516)
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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