FSBC (Five Star Bancorp) Scaled Net Operating Assets: -0.02 (As of Mar. 2026)


FSBC Five Star Bancorp FSBC
66 GF Score
Price $47.73
GF Value $37.27
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Five Star Bancorp Scaled Net Operating Assets?

Five Star Bancorp FSBC +0.02% 66 Scaled Net Operating Assets is -0.02 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Five Star Bancorp's operating assets for the quarter that ended in Mar. 2026 was $4,385.1 Mil. Five Star Bancorp's operating liabilities for the quarter that ended in Mar. 2026 was $4,487.6 Mil. Five Star Bancorp's Total Assets for the quarter that ended in Dec. 2025 was $4,754.9 Mil. Therefore, Five Star Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.02.

FSBC
66GF Score
Five Star Bancorp FSBC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Five Star Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Five Star Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(4247.91-4223.116)/4053.278
=0.01

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4754.861 - 506.951
=4247.91

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4309.029 - 85.913 - 0
=4223.116

Five Star Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(4385.072-4487.608)/4754.861
=-0.02

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5031.751 - 646.679
=4385.072

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4573.232 - 85.624 - 0
=4487.608

* 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.

What does a Scaled Net Operating Assets of -0.02 mean?
Five Star Bancorp (FSBC) has a Scaled Net Operating Assets of -0.02 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Five Star Bancorp and its competitors.
Is Five Star Bancorp's Scaled Net Operating Assets too high?
Five Star Bancorp's current Scaled Net Operating Assets is -0.02. 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 Scaled Net Operating Assets compare to SBNC and TRST?
Five Star Bancorp's Scaled Net Operating Assets of -0.02 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Five Star Bancorp and its competitors. Five Star Bancorp's current Scaled Net Operating Assets is -0.02. 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 $47.73 — trading 28.1% above its estimated fair value. The current Scaled Net Operating Assets is -0.02. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current Scaled Net Operating Assets is -0.02 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 $47.73 is trading 28.1% above its estimated GF Value™ of $37.27. GuruFocus considers Five Star Bancorp to be Modestly Overvalued.

Key valuation signals for FSBC:

  • Scaled Net Operating Assets: -0.02
  • GF Value™: $37.27 vs. price of $47.73 (28.1% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$47.73
Price
$37.27
GF Value