Profitability
Weight: 25%
A+
100
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 41.0%
- Efficiency Ratio Trend -4.53 pp/yr
FSBC
Five Star Bancorp
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C
53
- 5yr Avg ROE 15.6%
- 5yr Share-Count CAGR 5.5%
Growth Quality
Weight: 15%
A+
100
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 25.2%
- Efficiency Ratio Trend (growth quality check) -4.53 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
F
0
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.19
Balance Sheet
Weight: 20%
B+
75
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 9.4%
Stability
Weight: 10%
C
52
- EPS Volatility (σ/μ) 1.41
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 8
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 new buy; 1 added.
- Holders
- 2 +1
- Avg Δ position
- +2.8%
- New buys
- 1
- Full exits
- 0