Five Star Bancorp (FSBC) P/E Ratio History
ExpensiveTrading at 16.6x vs 5Y avg 10.8x · 100th percentile · Material premium to history · Data 2017–2026
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P/E Ratio Analysis
The current P/E is 54% above its 5-year average of 10.8x. Over the past five years, FSBC's P/E has ranged from a low of 6.9x to a high of 15.1x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.1x, FSBC trades at a 17% premium to its sector peers. The sector includes 801 companies with P/E ratios ranging from 0.0x to 162.0x.
The PEG ratio of 2.97 (P/E divided by 28% EPS growth) suggests the stock may be expensive relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, FSBC trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our FSBC DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
FSBC Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
FSBC P/E vs Peers
Commercial and middle-market focused banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $3B | 14.7 | 4.64 | +6% | |
| $3B | 14.5 | 4.70 | +5% | |
| $2B | 11.8 | 1.01 | +16% | |
| $8B | 13.9 | - | -10% | |
| $4B | 9.3Lowest | - | +59% | |
| $838M | 14.7 | 1.26 | +17% | |
| $572M | 10.3 | 0.81 | +60%Best | |
| $965M | 12.9 | 1.02 | +22% | |
| $466M | 10.9 | 0.64Best | -7% | |
| $3B | 14.8 | 2.10 | +13% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
FSBC Historical P/E Data (2017–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $37.72 | $3.15 | 12.0x | -72% |
| FY2025 Q4 | Dec 31 2025 | $35.78 | $2.90 | 12.3x | -71% |
| FY2025 Q3 | - | $32.20 | $2.70 | 11.9x | -72% |
| FY2025 Q2 | Jun 30 2025 | $28.54 | $2.45 | 11.6x | -72% |
| FY2025 Q1 | Mar 31 2025 | $27.80 | $2.28 | 12.2x | -71% |
| FY2024 Q4 | - | $30.09 | $2.28 | 13.2x | -69% |
| FY2024 Q3 | Sep 30 2024 | $29.73 | $2.28 | 13.0x | -69% |
| FY2024 Q2 | Jun 30 2024 | $23.65 | $2.40 | 9.9x | -77% |
| FY2024 Q1 | Mar 31 2024 | $22.50 | $2.63 | 8.6x | -80% |
| FY2023 Q4 | Dec 31 2023 | $26.18 | $2.78 | 9.4x | -78% |
| FY2023 Q3 | Sep 30 2023 | $20.06 | $2.92 | 6.9x | -84% |
| FY2023 Q2 | Jun 30 2023 | $22.37 | $2.96 | 7.6x | -82% |
| FY2023 Q1 | Mar 31 2023 | $21.34 | $2.80 | 7.6x | -82% |
| FY2022 Q4 | Dec 31 2022 | $27.24 | $2.61 | 10.4x | -75% |
| FY2022 Q3 | Sep 30 2022 | $28.36 | $2.50 | 11.3x | -73% |
| FY2022 Q2 | - | $26.42 | $2.46 | 10.7x | -75% |
| FY2022 Q1 | - | $28.30 | $2.55 | 11.1x | -74% |
| FY2021 Q4 | Dec 31 2021 | $30.00 | $2.60 | 11.5x | -73% |
| FY2021 Q3 | - | $23.94 | $2.52 | 9.5x | -78% |
| FY2021 Q2 | Jun 30 2021 | $24.15 | $1.60 | 15.1x | -64% |
| FY2019 Q3 | Sep 30 2019 | $17.13 | $0.05 | 359.9x | +751% |
| FY2019 Q2 | Jun 30 2019 | $18.00 | $0.09 | 190.1x | +350% |
| FY2019 Q1 | Mar 31 2019 | $17.09 | $0.15 | 113.0x | +167% |
| FY2018 Q4 | Dec 31 2018 | $17.00 | $0.19 | 91.7x | +117% |
| FY2018 Q3 | Sep 30 2018 | $17.50 | $0.33 | 52.6x | +24% |
| FY2018 Q2 | Jun 30 2018 | $17.75 | $0.39 | 45.0x | +6% |
| FY2018 Q1 | Mar 31 2018 | $17.17 | $0.49 | 35.1x | -17% |
| FY2017 Q4 | Dec 31 2017 | $17.00 | $0.46 | 37.3x | -12% |
| FY2017 Q3 | Sep 30 2017 | $16.60 | $0.28 | 58.3x | +38% |
| FY2017 Q2 | Jun 30 2017 | $14.75 | $0.30 | 48.4x | +15% |
| FY2017 Q1 | Mar 31 2017 | $14.60 | $0.23 | 62.8x | +49% |
Average P/E for displayed period: 42.3x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
9+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
FSBC — Frequently Asked Questions
Quick answers to the most common questions about buying FSBC stock.
What is FSBC's P/E ratio?
Five Star Bancorp (FSBC) trailing twelve-month P/E ratio is 16.6x, based on TTM diluted EPS of N/A. The 5-year average P/E is 10.8x and the historical range spans 6.9x to 15.1x.
Is FSBC stock overvalued or undervalued?
FSBC trades at 16.6x P/E, above its 5-year average of 10.8x. The 100th percentile ranking within the 6.9x–15.1x historical range indicates a premium to historical valuation.
Is FSBC stock expensive?
Yes, FSBC is expensive relative to its own history. The current P/E of 16.6x is above the 5-year average of 10.8x and also above the Financial Services sector median of 14.1x. The stock sits at the 100th percentile of its 5-year valuation range.
What is FSBC's historical P/E range?
Over the past 5 years, FSBC's P/E ratio has ranged from 6.9x to 15.1x, with a median of 11.3x and an average of 10.8x. The current P/E of 16.6x places the stock at the 100th percentile of this range. Full historical data spans 2017–2026.
How does FSBC's P/E compare to the S&P 500?
FSBC trades at 16.6x P/E versus the S&P 500 median of 25.1x. The 34% discount to the market suggests lower growth expectations or perceived higher risk.
How does FSBC's valuation compare to Financial Services peers?
Five Star Bancorp P/E of 16.6x compares to the Financial Services sector median of 14.1x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is FSBC's PEG ratio?
FSBC PEG ratio is 2.97, based on a P/E of 16.6x and EPS growth of 28.3%. A PEG above 2.0 indicates a premium valuation relative to earnings growth — typically considered expensive.
What is FSBC's earnings yield?
FSBC earnings yield is 6.02%, the inverse of its 16.6x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.