FSBC (Five Star Bancorp) 5-Year Yield-on-Cost %: 1.87 (As of Jun. 29, 2026) — 24% Below Median


FSBC Five Star Bancorp FSBC
66 GF Score
Price $48.18
GF Value $37.27
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Five Star Bancorp 5-Year Yield-on-Cost %?

Five Star Bancorp FSBC -0.21% 66 5-Year Yield-on-Cost % is 1.87 as of Jun. 29, 2026, which is 24% below its 10-year median of 2.47. 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 1,256 Banks companies, Five Star Bancorp ranks worse than 84.16% on this metric.

Five Star Bancorp's yield on cost for the quarter that ended in Mar. 2026 was 1.87.


The historical rank and industry rank for Five Star Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:

FSBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.48   Med: 2.47   Max: 3.73
Current: 1.87


During the past 7 years, Five Star Bancorp's highest Yield on Cost was 3.73. The lowest was 0.48. And the median was 2.47.


FSBC's 5-Year Yield-on-Cost % is ranked worse than
84.16% of 1256 companies
in the Banks industry
Industry Median: 3.96 vs FSBC: 1.87

Five Star Bancorp  (NAS:FSBC) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.


Five Star Bancorp 5-Year Yield-on-Cost % Related Terms


FSBC vs ESQ, EQBK, MCBS: 5-Year Yield-on-Cost % Comparison

For the Banks - Regional subindustry, Five Star Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry

For the Banks industry and Financial Services sector, Five Star Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where Five Star Bancorp's 5-Year Yield-on-Cost % falls into.


FSBC
66GF Score
Five Star Bancorp FSBC
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
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Five Star Bancorp 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of Five Star Bancorp is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 1.87 mean?
Five Star Bancorp (FSBC) has a 5-Year Yield-on-Cost % of 1.87 as of Jun. 29, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Five Star Bancorp and its competitors. This is 24% below median its historical median of 2.47. Over the past decade, Five Star Bancorp's 5-Year Yield-on-Cost % has ranged from 0.48 to 3.73. According to the industry distribution chart, Five Star Bancorp ranks #1057 out of 1256 companies in the Banks industry, placing it in the top 84.2%.
Is Five Star Bancorp's 5-Year Yield-on-Cost % too high?
Five Star Bancorp's current 5-Year Yield-on-Cost % of 1.87 is 24% below median its 10-year median of 2.47. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 3.73. The Banks industry median 5-Year Yield-on-Cost % is 3.96. Five Star Bancorp's value of 1.87 is 52.8% below this industry median. Based on the distribution chart, Five Star Bancorp ranks #1057 out of 1256 companies in the Banks industry, which is in the bottom quartile 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 5-Year Yield-on-Cost % compare to ESQ and EQBK?
According to the Banks industry distribution chart, Five Star Bancorp ranks #1057 out of 1256 companies for 5-Year Yield-on-Cost %. This places Five Star Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.96. Five Star Bancorp's value of 1.87 is 52.8% below this benchmark. Historically, Five Star Bancorp's own 5-Year Yield-on-Cost % has ranged from 0.48 to 3.73 over the past decade. While the company's 10-year median is 2.47 vs. the industry median of 3.96, Five Star Bancorp has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.96, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five Star Bancorp's current 5-Year Yield-on-Cost % of 1.87 is 52.8% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Five Star Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five Star Bancorp's current 5-Year Yield-on-Cost % is 1.87, which is 24% below median its own 10-year median of 2.47. 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 $48.18 — trading 29.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 1.87, which is 24% below median its 10-year median of 2.47 and 52.8% below the Banks industry median of 3.96. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Five Star Bancorp (FSBC), the current 5-Year Yield-on-Cost % is 1.87 as of Jun. 29, 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 $48.18 is trading 29.3% above its estimated GF Value™ of $37.27. GuruFocus considers Five Star Bancorp to be Modestly Overvalued.

Key valuation signals for FSBC:

  • 5-Year Yield-on-Cost %: 1.87 (24% below median its 10-year median of 2.47)
  • GF Value™: $37.27 vs. price of $48.18 (29.3% above fair value)
  • GF Score™: 66/100 with 7 warning signs
  • Industry Position: 52.8% below the Banks median (#1057 of 1256)

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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.18
Price
$37.27
GF Value