Five Star Bancorp
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
12.83
Price/Sales ratio
3.72
Earnings per Share (EPS)
$2.43

Historical Multiples (2011 – 2023)

2011 2011 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
365.60-138.4952.8137.9615310.119.4910.5810.419.4114.8114.81
Price/Sales ratio
4.531.063.914.521.07K5.114.625.354.283.833.205.11
Price/Book Value ratio
0.520.470.851.041.022.722.541.911.841.571.631.02
Price/Cash Flow ratio
-31.3317.28108.379.10-67.6710.256.6215.6710.1411.5418.74-67.67
Price/Free Cash Flow ratio
-9.53-12.37-244.0812.06-38.4710.436.7316.0710.2511.7418.96-38.47
Price/Earnings Growth ratio
2.99K-1.13KN/A0.56-2.020.000.410.31-1.401.543.40-2.02
Dividend Yield
N/AN/AN/AN/AN/A8.86%7.73%11.56%3.27%2.87%2.65%8.86%
Profitability Indicator Ratios
Gross Profit Margin
71.90%70.09%100%100%100%100%100%100%94.09%3.07%97.51%100%
Operating Profit Margin
0.82%-1.98%9.37%15.90%2060%52.34%50.49%56.23%71.32%64.91%48.02%52.34%
Pretax Profit Margin
0.82%-1.98%9.37%15.90%2060%52.34%50.49%56.23%57.69%56.84%30.14%52.34%
Net Profit Margin
1.23%-0.76%7.40%11.92%703.33%50.51%48.69%50.61%41.12%40.72%21.49%50.51%
Effective Tax Rate
-50%61.29%20.95%25.02%65.85%3.49%3.56%9.98%28.72%28.34%28.67%28.67%
Return on Assets
0.01%-0.03%0.18%0.27%0.06%1.97%1.83%1.66%1.38%1.32%1.11%0.06%
Return On Equity
0.14%-0.34%1.61%2.74%0.66%26.91%26.85%18.05%17.72%16.70%12.79%0.66%
Return on Capital Employed
N/AN/A0.23%0.37%0.19%2.05%1.91%1.84%2.41%2.11%3.23%0.19%
Liquidity Ratios
Current Ratio
N/AN/AN/A2.271.857.93N/AN/AN/AN/A0.677.93
Quick Ratio
N/AN/AN/A2.271.8580.0798.34141.8648.14N/A0.6780.07
Cash ratio
N/AN/AN/A0.790.4533.0040.9659.1118.63N/A0.2833.00
Days of Sales Outstanding
N/AN/A34.3641.9910.65KN/A26.8294.1524.9770.32N/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/A-17.23KN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/A-17.21K70.32N/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/A821.25N/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/A-18.03K70.32N/AN/A
Debt Ratios
Debt Ratio
0.900.900.200.200.210.030.010.010.020.020.010.03
Debt Equity Ratio
9.179.711.782.072.270.480.210.120.290.250.180.48
Long-term Debt to Capitalization
N/AN/A0.640.620.640.320.170.100.220.200.150.32
Total Debt to Capitalization
N/AN/A0.640.670.690.320.170.100.220.200.150.32
Interest Coverage Ratio
0.02-0.060.320.520.22-0.05N/AN/AN/AN/A1.420.22
Cash Flow to Debt Ratio
N/AN/A0.000.05-0.000.541.811.000.620.520.46-0.00
Company Equity Multiplier
10.1710.718.5910.1210.4113.5914.6010.8712.7612.579.9613.59
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
-0.140.060.030.49-15.90.490.690.340.420.330.16-15.9
Free Cash Flow / Operating Cash Flow Ratio
3.28-1.39-0.440.751.750.980.980.970.980.980.990.99
Cash Flow Coverage Ratio
N/AN/A0.000.05-0.000.541.811.000.620.520.46-0.00
Short Term Coverage Ratio
-0.01N/AN/A0.27-0.03N/AN/AN/AN/AN/AN/A-0.03
Dividend Payout Ratio
N/AN/AN/AN/AN/A89.68%73.39%122.38%34.15%27.11%35.75%89.68%