GURUFOCUS.COM » STOCK LIST » USA » NAS » Five Star Bancorp (NAS:FSBC) » Definitions » Financial Strength
Switch to:

Five Star Bancorp Financial Strength

: 3 (As of Mar. 2022)
View and export this data going back to 2021. Start your Free Trial

Five Star Bancorp has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.

Warning Sign:

Five Star Bancorp displays poor financial strength. Usually, this is caused by too much debt for the company.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.

GuruFocus does not calculate Five Star Bancorp's interest coverage with the available data. Five Star Bancorp's debt to revenue ratio for the quarter that ended in Mar. 2022 was 0.35. Altman Z-Score does not apply to banks and insurance companies.


Five Star Bancorp Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Five Star Bancorp's Interest Expense for the months ended in Mar. 2022 was $-0.99 Mil. Its Operating Income for the months ended in Mar. 2022 was $0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2022 was $33.39 Mil.

Five Star Bancorp's Interest Coverage for the quarter that ended in Mar. 2022 is

The higher the ratio, the stronger the company's financial strength is.

Good Sign:

Ben Graham prefers companies' interest coverage to be at least 5. Five Star Bancorp has enough cash to cover all of its debt. Its financial situation is stable.

2. Debt to revenue ratio. The lower, the better.

Five Star Bancorp's Debt to Revenue Ratio for the quarter that ended in Mar. 2022 is

Debt to Revenue Ratio=Total Debt (Q: Mar. 2022 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 33.39) / 95.076
=0.35

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* 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  (NAS:FSBC) Financial Strength Explanation

The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.

Five Star Bancorp has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.


Five Star Bancorp Financial Strength Related Terms

Thank you for viewing the detailed overview of Five Star Bancorp's Financial Strength provided by GuruFocus.com. Please click on the following links to see related term pages.


Five Star Bancorp Business Description

Five Star Bancorp logo
Traded in Other Exchanges
Address
3100 Zinfandel Drive, Suite 100, Rancho Cordova, CA, USA, 95670
Five Star Bancorp is a state-chartered bank. It provides a broad range of banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California through seven branch offices and two loan production offices.
Executives
Perry-smith Robert Truxtun director 3100 ZINFANDEL DRIVE, SUITE 100 RANCHO CORDOVA CA 95670
Lucas Donna director 1215 K STREET, SUITE 1120 SACRAMENTO CA 95814
Kashiwagi Warren Paul director 3100 ZINFANDEL DRIVE, SUITE 100 RANCHO CORDOVA CA 95670
White Leigh Ann director 3100 ZINFANDEL DRIVE, SUITE 100 RANCHO CORDOVA CA 95670
Reynoso Randall E director 3189 LAND PARK DRIVE SACRAMENTO CA 95818
Lee Michael Eugene officer: SVP & Chief Regulatory Officer 3100 ZINFANDEL DRIVE, SUITE 100 RANCHO CORDOVA CA 95670
Dalton John William officer: SVP & Chief Credit Officer 3100 ZINFANDEL DRIVE, SUITE 100 RANCHO CORDOVA CA 95670
Nickum David Frank director 3100 ZINFANDEL DRIVE, SUITE 100 RANCHO CORDOVA CA 95670
Wait Brett Levi officer: SVP & CIO 3100 ZINFANDEL DRIVE, SUITE 100 RANCHO CORDOVA CA 95670
Oates-fairrington Kathryn Ruth 10 percent owner 3100 ZINFANDEL DRIVE, SUITE 100 RANCHO CORDOVA CA 95670
Luck Heather Christina officer: SVP & Chief Financial Officer 3100 ZINFANDEL DRIVE, SUITE 100 RANCHO CORDOVA CA 95670
Ramirez-medina Lydia Ann officer: SVP & COO & Chief DE&I Officer 3100 ZINFANDEL DRIVE, SUITE 100 RANCHO CORDOVA CA 95670
Riggs Judson Teichert director 3100 ZINFANDEL DRIVE, SUITE 100 RANCHO CORDOVA CA 95670
Ramos Kevin Francis director 3100 ZINFANDEL DRIVE, SUITE 100 RANCHO CORDOVA CA 95670
Lucchetti David John director 3100 ZINFANDEL DRIVE, SUITE 100 RANCHO CORDOVA CA 95670
Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)