Five Star BancorpFSBC +2.03%66 Peter Lynch Fair Value is $51.36 as of Jul. 01, 2026, which is 6320% above its 10-year median of 0.80. GuruFocus rates FSBC with a GF Score™ of 66/100 and a GF Value™ of $37.37 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 869 Banks companies, Five Star Bancorp ranks better than 52.13% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Five Star Bancorp's PEG is 1. Five Star Bancorp's 5-Year TTM Book Value Growth Rate is 17.71.
Five Star Bancorp's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $2.90. Therefore, the Peter Lynch Fair Value for today is $51.36.
As of today (2026-07-01), Five Star Bancorp's share price is $49.62. Five Star Bancorp's Peter Lynch fair value is $51.36. Therefore, Five Star Bancorp's Price to Peter Lynch Fair Value Ratio for today is 0.97.
The historical rank and industry rank for Five Star Bancorp's Peter Lynch Fair Value or its related term are showing as below:
FSBC'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.76 Med: 0.8 Max: 1.1
Current: 1.1
During the past 7 years, the highest Price to Peter Lynch Fair Value Ratio of Five Star Bancorp was 1.10. The lowest was 0.76. And the median was 0.80.
FSBC's Price-to-Peter-Lynch-Fair-Value is ranked better than 52.13% of 869
companies
in the Banks industry
Industry Median: 1.1
vs FSBC: 1.10
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Five Star Bancorp (NAS:FSBC) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 17.71 instead of 15 in this case.
Five Star Bancorp's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
49.62
/
51.36
=
0.97
* 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 Peter Lynch Fair Value Related Terms
Five Star Bancorp Peter Lynch Fair Value Historical Data
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The historical data trend for Five Star Bancorp's Peter Lynch Fair Value 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.
FSBC vs ESQ, EQBK, MCBS: Peter Lynch Fair Value Comparison
For the Banks - Regional subindustry, Five Star Bancorp's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's Price-to-Peter-Lynch-Fair-Value falls into.
Five Star Bancorp's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was $2.90.
* Note that for companies that do not have enough quarterly data to calculate the 5-Year TTM EBITDA Growth Rate, we use the annual data for the calculation.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of $51.36 mean?
Five Star Bancorp (FSBC) has a Peter Lynch Fair Value of $51.36 as of Jul. 01, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Five Star Bancorp and its competitors. This is 6320% above median its historical median of 0.80. Over the past decade, Five Star Bancorp's Peter Lynch Fair Value has ranged from 0.76 to 1.10. According to the industry distribution chart, Five Star Bancorp ranks #416 out of 869 companies in the Banks industry, placing it in the top 47.9%.
Is Five Star Bancorp's Peter Lynch Fair Value too high?
Five Star Bancorp's current Peter Lynch Fair Value of $51.36 is 6320% above median its 10-year median of 0.80. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 1.10. The Banks industry median Peter Lynch Fair Value is 1.10. Five Star Bancorp's value of $51.36 is 4569.1% above this industry median. Based on the distribution chart, Five Star Bancorp ranks #416 out of 869 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Five Star Bancorp's Peter Lynch Fair Value compare to ESQ and EQBK?
According to the Banks industry distribution chart, Five Star Bancorp ranks #416 out of 869 companies for Peter Lynch Fair Value. This puts Five Star Bancorp in the upper half of its industry. The industry median Peter Lynch Fair Value is 1.10. Five Star Bancorp's value of $51.36 is 4569.1% above this benchmark. Historically, Five Star Bancorp's own Peter Lynch Fair Value has ranged from 0.76 to 1.10 over the past decade. While the company's 10-year median is 0.80 vs. the industry median of 1.10, 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 Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.10, based on 869 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current Peter Lynch Fair Value of $51.36 is 4569.1% 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current Peter Lynch Fair Value is $51.36, which is 6320% above median its own 10-year median of 0.80. 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 Significantly Overvalued. The stock's GF Value™ is $37.37, compared to a current price of $49.62 — trading 32.8% above its estimated fair value. The current Peter Lynch Fair Value is $51.36, which is 6320% above median its 10-year median of 0.80 and 4569.1% above the Banks industry median of 1.10. 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 Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current Peter Lynch Fair Value is $51.36 as of Jul. 01, 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 $49.62 is trading 32.8% above its estimated GF Value™ of $37.37.
GuruFocus considers Five Star Bancorp to be Significantly Overvalued.
Key valuation signals for FSBC:
Peter Lynch Fair Value: $51.36 (6320% above median its 10-year median of 0.80)
GF Value™: $37.37 vs. price of $49.62 (32.8% above fair value)
Industry Position: 4569.1% above the Banks median (#416 of 869)
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
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