FSBC PEER ANALYSIS

Five Star Bancorp — metric-by-metric comparison with peers and the industry median

FSBCFive Star Bancorp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

FSBCIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	FSBC	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
P/E	15.43	20.06	13.38	116.44	9.16	2.96●	12.88
P/B	2.26	3.18	1.41	0.68●	1.41	0.71	1.29
EV/EBITDA	5.12	1.78	14.82	306.37	-8.43●	2.21	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FSBC	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Current Ratio	0.14	—	0.12	0.01	0.25●	—	0.31
Debt/Equity	18.7%	0.0%●	209.8%	744.5%	17.0%	0.0%●	38.0%
NetDebt/EBITDA	-6.05	-13.41	5.39	280.57	-14.68●	-0.47	-0.58

Profitability
Metric	FSBC	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Net Margin	25.2%	14.2%	25.9%	1.4%	20.1%	54.9%●	20.6%
ROE	15.5%	17.5%	10.6%	1.0%	14.9%	27.4%●	10.9%
ROA	1.4%	1.2%	0.5%	0.1%	0.8%	3.7%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FSBC	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	39.4%●	8.1%	16.2%	-80.9%	16.0%	-1.3%	19.4%
Div. Yield	1.8%	—	3.2%	4.7%	4.8%●	—	2.5%
Payout	27.1%	—	—	335.1%	—	—	31.4%

Valuation
Metric	FSBC	SBSI	AMTB	ESQ	MCBS	HBNC	Ind. Median
P/E	15.43	14.67	16.21	20.27	14.10●	—	12.88
P/B	2.26	1.22	1.12●	3.48	1.90	1.45	1.29
EV/EBITDA	5.12●	13.93	23.76	—	11.31	—	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	FSBC	SBSI	AMTB	ESQ	MCBS	HBNC	Ind. Median
Current Ratio	0.14	0.16	3.17	0.23	134.88●	1.48	0.31
Debt/Equity	18.7%●	104.5%	103.2%	—	79.3%	54.6%	38.0%
NetDebt/EBITDA	-6.05●	6.14	10.95	—	0.40	-1.71	-0.58

Profitability
Metric	FSBC	SBSI	AMTB	ESQ	MCBS	HBNC	Ind. Median
Net Margin	25.2%	15.8%	9.9%	30.0%●	29.7%	-154.3%	20.6%
ROE	15.5%	8.5%	7.0%	18.7%●	15.2%	-20.1%	10.9%
ROA	1.4%	0.8%	0.6%	2.4%●	1.8%	-2.1%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	FSBC	SBSI	AMTB	ESQ	MCBS	HBNC	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	39.4%●	-19.8%	—	14.8%	12.9%	—	19.4%
Div. Yield	1.8%	4.0%●	1.4%	0.6%	2.7%	3.1%	2.5%
Payout	27.1%	60.8%	23.5%	11.8%	35.1%	-20.6%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.