Five Star BancorpFSBC +0.46%66 ROA % is 1.52% as of Mar. 2026, which is 2% below its 10-year median of 1.55. 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 1,529 Banks companies, Five Star Bancorp ranks better than 75.74% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Five Star Bancorp's annualizedNet Income for the quarter that ended in Mar. 2026 was $74.5 Mil.
Five Star Bancorp's average Total Assets over the quarter that ended in Mar. 2026 was $4,893.3 Mil. Therefore, Five Star Bancorp's annualized ROA % for the quarter that ended in Mar. 2026 was 1.52%.
The historical rank and industry rank for Five Star Bancorp's ROA % or its related term are showing as below:
FSBC'
s ROA % Range Over the Past 10 Years
Min: 1.19 Med: 1.55 Max: 2.09
Current: 1.45
During the past 7 years, Five Star Bancorp's highest ROA % was 2.09%. The lowest was 1.19%. And the median was 1.55%.
FSBC's ROA % is ranked better than 75.74% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs FSBC: 1.45
Five Star Bancorp (NAS:FSBC) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Five Star Bancorp ROA % Related Terms
Five Star Bancorp ROA % Historical Data
* Premium members only.
The historical data trend for Five Star Bancorp's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Five Star Bancorp's ROA % distribution charts can be found below:
* The bar in red indicates where Five Star Bancorp's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Five Star Bancorp (FSBC) has a ROA % of 1.52% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Five Star Bancorp and its competitors. This is near median its historical median of 1.55. Over the past decade, Five Star Bancorp's ROA % has ranged from 1.19 to 2.09. According to the industry distribution chart, Five Star Bancorp ranks #371 out of 1529 companies in the Banks industry, placing it in the top 24.3%.
Is Five Star Bancorp's ROA % too high?
Five Star Bancorp's current ROA % of 1.52% is near median its 10-year median of 1.55. Over the past 10 years, this metric has ranged from a low of 1.19 to a high of 2.09. The Banks industry median ROA % is 0.98. Five Star Bancorp's value of 1.52% is 55.1% above this industry median. Based on the distribution chart, Five Star Bancorp ranks #371 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position 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 ROA % compare to SBNC and TRST?
According to the Banks industry distribution chart, Five Star Bancorp ranks #371 out of 1529 companies for ROA %. This places Five Star Bancorp in the top 24% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. Five Star Bancorp's value of 1.52% is 55.1% above this benchmark. Historically, Five Star Bancorp's own ROA % has ranged from 1.19 to 2.09 over the past decade. While the company's 10-year median is 1.55 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current ROA % of 1.52% is 55.1% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current ROA % is 1.52%, which is near median its own 10-year median of 1.55. 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 ROA % is 1.52%, which is near median its 10-year median of 1.55 and 55.1% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current ROA % is 1.52% as of Mar. 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:
ROA %: 1.52% (near median its 10-year median of 1.55)
GF Value™: $37.27 vs. price of $47.94 (28.6% above fair value)
Industry Position: 55.1% above the Banks median (#371 of 1529)
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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