What Is Five Star Bancorp (FSBC) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Five Star Bancorp's intrinsic value is estimated at a composite fair value of $59.09. While the stock appears modestly undervalued at $47.79 (implied upside of +23.7%), our analysis suggests a thinner margin of safety across 7 of 12 bullish models. Notably, Bayesian DCF sees the most upside at +102.2% (fair value: $96.62), while EPV is the most conservative at -55.1% ($21.45). The spread between these extremes — +157.3% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About FSBC?
12 of 13 models are currently active for FSBC. Of these, 7 models suggest upside while 5 models suggest overvaluation. The Bayesian DCF estimates FSBC's intrinsic value at $96.62, implying +102.2% upside from the current price. See which stocks rank higher →
How Does FSBC Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, FSBC ranks #41 by Quality of Company score. CirclFi's QOC score of 8.6/10 evaluates 32 fundamental signals. A score of 8.6 places FSBC in the top tier.
See all Most Undervalued State Commercial Banks Stocks →
The State Commercial Banks sector introduces analytical considerations specific to financial institution businesses. For Five Star Bancorp, metrics like CET1 capital ratio provide important context that general-purpose valuation models may underweight.
Is FSBC a Value Trap?
CirclFi's Value Trap algorithm assigns FSBC a score of 14/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Five Star Bancorp. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, Five Star Bancorp scores 8.6 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +157.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every FSBC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across FSBC's 12 active models, average confidence is 40%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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