Five Star Bancorp cash flow to debt ratio of 84.52% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Five Star Bancorp's free cash flow has increased 39.60% from $51.16M last year to $71.42M, signaling increasing performance

Five Star Bancorp's debt to equity ratio is 0.16, which means that the company's assets are healthy financed, signaling financial stability.

Five Star Bancorp's debt has decreased relative to shareholder equity from 0.20 last year to 0.16 today, signaling strengthened financials

Five Star Bancorp has a net cash position, so leverage is healthy.

Five Star Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

Five Star Bancorp's profit margin has increased (20.24%) in the last year from 21.52% to 25.88%, signaling increasing performance

Five Star Bancorp's short-term liabilities of $4.20B exceed its short-term assets of $576.76M, signaling financial risk

Five Star Bancorp's return on assets of 1.34% is lower than the 5.00% threshold, indicating inefficient asset utilization

Five Star Bancorp's return on equity of 15.92%, is higher than 15.00%, indicating good performance

Five Star Bancorp's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Five Star Bancorp had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Five Star Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures

Five Star Bancorp has a free cash flow yield of 6.44%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Five Star Bancorp's yearly earnings has increased 34.89% since last year from $45.67M to $61.61M, signaling increasing performance

Five Star Bancorp's yearly revenue has increased 20.39% since last year from $212.20M to $255.47M, signaling increasing performance

ROIC -1.55% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Five Star Bancorp's 3-year revenue CAGR of 27.32% is positive, indicating growing revenue over the past 3 years

Five Star Bancorp had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Five Star Bancorp had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Five Star Bancorp is undervalued relative to its fair value price of 70.29 based on Discounted Cash Flow model

Five Star Bancorp has an earnings yield of 7.37%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Five Star Bancorp is overvalued relative to its fair value price of 45.97 based on EBITDA multiple model

Five Star Bancorp has an EV/EBITDA ratio of 7.26x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Five Star Bancorp has insufficient data to evaluate this check.

Five Star Bancorp has a PEG-ratio over 1 which is considered overvalued

Five Star Bancorp has a price-to-book ratio of 2.06x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Five Star Bancorp has a price-to-sales ratio of 3.51x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue