Five Star Bancorp
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Five Star Bancorp's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
$35Sales grew 44% in 3 years; of every extra $100 of sales, $35 became extra profit.
Higher than 62% of Financial Services companies in United States.
Asset Productivity Ratio
+44% / +47%In 3 years sales changed by +44% while total assets changed by +47%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Five Star Bancorp owes $0.91 for every $1 it owns. Net profit rose 35% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
13.1Investors pay $13.1 for every $1 of Five Star Bancorp's yearly profit, higher than 53% of Financial Services companies in United States.
P/B ratio
2.29The share price is 2.29 times Five Star Bancorp's book value per share, higher than 83% of Financial Services companies in United States.
Market cap
$1.1 BThe total market value of all of Five Star Bancorp's shares at today's price (share price × number of shares), larger than 57% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$474 MWhat Five Star Bancorp would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$19.31Net worth divided by the number of shares. The share price of $44.16 is 2.3 times this, which is the P/B above.
Return on equity (ROE)
16.2%Five Star Bancorp earned 16.2% on its shareholders' money over the last year, higher than 78% of Financial Services companies in United States.
Owes vs Owns
0.91×Five Star Bancorp owes $0.91 for every $1 it owns (high), higher than 87% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.32%Five Star Bancorp pays 2.32% of its share price as dividends a year, lower than 62% of dividend-paying Financial Services companies in United States.
Revenue growth
+26%Revenue rose 26% in the year to Dec 2025, and grew 13% a year on average over 3 years.
Profit growth
+35%Net profit rose 35% in the year to Dec 2025, and grew 11% a year on average over 3 years.
Profit margin
39.2%Five Star Bancorp keeps $39 of every $100 of revenue as net profit.
Questions
What is Five Star Bancorp's P/E ratio?
Investors pay $13.1 for every $1 of Five Star Bancorp's yearly profit, higher than 53% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Five Star Bancorp: $1.1 B ÷ $474 M (30 Jun 2026) = 2.3.
What is Five Star Bancorp's return on equity?
Five Star Bancorp earned 16.2% on its shareholders' money over the last year, higher than 78% of Financial Services companies in United States.
How much does Five Star Bancorp owe compared with what it owns?
Five Star Bancorp owes $0.91 for every $1 it owns (high), higher than 87% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Five Star Bancorp pay a dividend?
Yes. Five Star Bancorp pays 2.32% of its share price as dividends a year, lower than 62% of dividend-paying Financial Services companies in United States.
Is Five Star Bancorp's revenue growing?
Revenue rose 26% in the year to Dec 2025, and grew 13% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.