Is FSBC or FUNC more undervalued in 2026?

CirclFi compares Five Star Bancorp (FSBC) and First (FUNC) using 13 institutional-grade valuation models. FSBC has a Quality of Company score of 8.8/10 while FUNC scores 9.3/10.

Which is a better buy — FSBC or FUNC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FSBC and FUNC valuations compare?

FSBC at $42.24 and FUNC at $39.00 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FSBC vs FUNC Valuation Comparison 2026 — Intrinsic Value Analysis

FSBC

Banks - Regional

Five Star Bancorp

Quality

8.8

out of 10

Value Trap

SAFE

Price

$42.24

Last close

Models

12/13

Active

FUNC

Banks - Regional

First

Quality

9.3

out of 10

Value Trap

—

Price

$39.00

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	FSBC Fair Value	FSBC Upside	FUNC Fair Value	FUNC Upside
Bayesian DCF	Intrinsic	$46.30	+9.6%	$18.93	-51.5%
Earnings Power Value	Intrinsic	$69.78	+65.2%	$35.09	-10.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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FSBC vs FUNC — Which Stock Is More Undervalued?

FUNC scores higher with a 9.3/10 quality rating vs FSBC's 8.8/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Five Star Bancorp (FSBC) and First (FUNC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FSBC currently trades at $42.24 with a QOC of 8.8/10, while FUNC trades at $39.00 with a QOC of 9.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).