FSBC (Five Star Bancorp) 1-Year Sharpe Ratio: 2.21 (As of Jul. 05, 2026)


FSBC Five Star Bancorp FSBC
66 GF Score
Price $48.66
GF Value $37.43
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Five Star Bancorp 1-Year Sharpe Ratio?

Five Star Bancorp FSBC -1.82% 66 1-Year Sharpe Ratio is 2.21 as of Jul. 05, 2026. GuruFocus rates FSBC with a GF Score™ of 66/100 and a GF Value™ of $37.43 (Modestly Overvalued). The stock has 7 warning signs investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-07-05), Five Star Bancorp's 1-Year Sharpe Ratio is 2.21.

Five Star Bancorp  (NAS:FSBC) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

Five Star Bancorp 1-Year Sharpe Ratio Related Terms

FSBC vs ESQ, EQBK, MCBS: 1-Year Sharpe Ratio Comparison

For the Banks - Regional subindustry, Five Star Bancorp's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe 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 1-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Five Star Bancorp's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where Five Star Bancorp's 1-Year Sharpe Ratio falls into.


FSBC
66GF Score
Five Star Bancorp FSBC
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Five Star Bancorp 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 2.21 mean?
Five Star Bancorp (FSBC) has a 1-Year Sharpe Ratio of 2.21 as of Jul. 05, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Five Star Bancorp and its competitors.
Is Five Star Bancorp's 1-Year Sharpe Ratio too high?
Five Star Bancorp's current 1-Year Sharpe Ratio is 2.21. 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 1-Year Sharpe Ratio compare to ESQ and EQBK?
Five Star Bancorp's 1-Year Sharpe Ratio of 2.21 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Five Star Bancorp and its competitors. Five Star Bancorp's current 1-Year Sharpe Ratio is 2.21. 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 $37.43, compared to a current price of $48.66 — trading 30% above its estimated fair value. The current 1-Year Sharpe Ratio is 2.21. 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 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current 1-Year Sharpe Ratio is 2.21 as of Jul. 05, 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 $48.66 is trading 30% above its estimated GF Value™ of $37.43. GuruFocus considers Five Star Bancorp to be Modestly Overvalued.

Key valuation signals for FSBC:

  • 1-Year Sharpe Ratio: 2.21
  • GF Value™: $37.43 vs. price of $48.66 (30% above fair value)
  • GF Score™: 66/100 with 7 warning signs

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 Business Description

Other Exchanges 4F6:Germany
Address 3100 Zinfandel Drive, Suite 100, Rancho Cordova, CA, USA, 95670
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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1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.66
Price
$37.43
GF Value