Five Star BancorpFSBC +0.46%66 PEG Ratio is 0.86 as of Jun. 26, 2026, which is 1% below its 10-year median of 0.87. 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 1,229 Banks companies, Five Star Bancorp ranks better than 72.99% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Five Star Bancorp's PEG Ratio or its related term are showing as below:
FSBC'
s PEG Ratio Range Over the Past 10 Years
Min: 0.76 Med: 0.87 Max: 1.05
Current: 0.86
During the past 7 years, Five Star Bancorp's highest PEG Ratio was 1.05. The lowest was 0.76. And the median was 0.87.
FSBC's PEG Ratio is ranked better than 72.99% of 1229
companies
in the Banks industry
Industry Median: 1.52
vs FSBC: 0.86
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Five Star Bancorp (NAS:FSBC) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Five Star Bancorp PEG Ratio Related Terms
Five Star Bancorp PEG Ratio Historical Data
* Premium members only.
The historical data trend for Five Star Bancorp's PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Five Star Bancorp (FSBC) has a PEG Ratio of 0.86 as of Jun. 26, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Five Star Bancorp and its competitors. This is near median its historical median of 0.87. Over the past decade, Five Star Bancorp's PEG Ratio has ranged from 0.76 to 1.05. According to the industry distribution chart, Five Star Bancorp ranks #332 out of 1229 companies in the Banks industry, placing it in the top 27%.
Is Five Star Bancorp's PEG Ratio too high?
Five Star Bancorp's current PEG Ratio of 0.86 is near median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 1.05. The Banks industry median PEG Ratio is 1.52. Five Star Bancorp's value of 0.86 is 43.4% below this industry median. Based on the distribution chart, Five Star Bancorp ranks #332 out of 1229 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 PEG Ratio compare to SBNC and TRST?
According to the Banks industry distribution chart, Five Star Bancorp ranks #332 out of 1229 companies for PEG Ratio. This puts Five Star Bancorp in the upper half of its industry. The industry median PEG Ratio is 1.52. Five Star Bancorp's value of 0.86 is 43.4% below this benchmark. Historically, Five Star Bancorp's own PEG Ratio has ranged from 0.76 to 1.05 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 1.52, Five Star Bancorp has consistently been below 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,229 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current PEG Ratio of 0.86 is 43.4% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current PEG Ratio is 0.86, which is near median its own 10-year median of 0.87. 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 PEG Ratio is 0.86, which is near median its 10-year median of 0.87 and 43.4% below the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current PEG Ratio is 0.86 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:
PEG Ratio: 0.86 (near median its 10-year median of 0.87)
GF Value™: $37.27 vs. price of $47.94 (28.6% above fair value)
Industry Position: 43.4% below the Banks median (#332 of 1229)
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
Get the complete analysis for FSBC
PEG Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FSBC has been successfully added to your 
