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Some businesses have very light assets, such as software companies or insurance agencies. The Price-to-Book Ratio does not work well for these companies. Some companies even have negative equity, so the Price-to-Book Ratio cannot be applied to them.
Five Star Bancorp Price-to-Tangible-Book Related Terms
Five Star Bancorp Price-to-Tangible-Book Historical Data
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The historical data trend for Five Star Bancorp's Price-to-Tangible-Book 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 CPF, FBAK, MBWM: Price-to-Tangible-Book Comparison
For the Banks - Regional subindustry, Five Star Bancorp's Price-to-Tangible-Book, along with its competitors' market caps and Price-to-Tangible-Book 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-Tangible-Book vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's Price-to-Tangible-Book distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's Price-to-Tangible-Book 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called PB Ratio. The difference between Price-to-Tangible-Book Ratio and PB Ratio is that book value other than intangibles are used in the calculation.
Five Star Bancorp (FSBC) has a Price-to-Tangible-Book of 2.05 as of Aug. 26, 2026. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Five Star Bancorp and its competitors. According to the industry distribution chart, Five Star Bancorp ranks #1282 out of 1498 companies in the Banks industry, placing it in the top 85.6%.
Is Five Star Bancorp's Price-to-Tangible-Book too high?
Five Star Bancorp's current Price-to-Tangible-Book is 2.05. The Banks industry median Price-to-Tangible-Book is 1.19. Five Star Bancorp's value of 2.05 is 72.3% above this industry median. Based on the distribution chart, Five Star Bancorp ranks #1282 out of 1498 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Five Star Bancorp has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Five Star Bancorp's Price-to-Tangible-Book compare to CPF and FBAK?
According to the Banks industry distribution chart, Five Star Bancorp ranks #1282 out of 1498 companies for Price-to-Tangible-Book. This places Five Star Bancorp in the lower half of its industry. The industry median Price-to-Tangible-Book is 1.19. Five Star Bancorp's value of 2.05 is 72.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Price-to-Tangible-Book for a Banks company?
The median Price-to-Tangible-Book among Banks companies is 1.19, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Tangible-Book significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Tangible-Book should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current Price-to-Tangible-Book of 2.05 is 72.3% 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 Price-to-Tangible-Book mean?
A high Price-to-Tangible-Book can signal that a stock is expensive relative to its fundamentals. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median Price-to-Tangible-Book is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current Price-to-Tangible-Book is 2.05. 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 $39.90, compared to a current price of $45.28 — trading 13.5% above its estimated fair value. The current Price-to-Tangible-Book is 2.05 and 72.3% above the Banks industry median of 1.19. Five Star Bancorp's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Price-to-Tangible-Book calculated?
Price-to-Tangible-Book is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current Price-to-Tangible-Book is 2.05 as of Aug. 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 $45.28 is trading 13.5% above its estimated GF Value™ of $39.90.
GuruFocus considers Five Star Bancorp to be Modestly Overvalued.
Key valuation signals for FSBC:
Price-to-Tangible-Book: 2.05
GF Value™: $39.90 vs. price of $45.28 (13.5% above fair value)
Industry Position: 72.3% above the Banks median (#1282 of 1498)
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.
67GF Score
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