Five Star Bancorp logo FSBC - Five Star Bancorp

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 2
HOLD 2
SELL 0
STRONG
SELL
0
| PRICE TARGET: $53.00 DETAILS
HIGH: $55.00
LOW: $51.00
MEDIAN: $53.00
CONSENSUS: $53.00
UPSIDE: 17.39%
AlphaQuality

AlphaQuality

Quantitative six-pillar business-quality grade

Banks, Insurers & Asset Managers

AlphaQuality — archetype-weighted quantitative grade

B- 68.2 / 100 composite

Composite Grade

Composite of six pillars weighted for banks, insurers & asset managers businesses. Purely quantitative — the six pillars score only reported financials, no analyst input.

Profitability

Weight: 25%
A+ 100.0

Scored using efficiency ratio — bank-archetype substitution.

  • Efficiency Ratio (FY2025) 41.0% 100/100
  • Efficiency Ratio Trend -4.53 pp/yr 100/100
Contributes 25.0 pts toward composite.

Capital Efficiency

Weight: 15%
C 52.9
  • 5yr Avg ROE 15.6% 81/100
  • 5yr Share-Count CAGR 5.5% 0/100
Contributes 7.9 pts toward composite.

Growth Quality

Weight: 15%
A+ 100.0

Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.

  • 5yr Revenue CAGR 25.2% 100/100
  • Efficiency Ratio Trend (growth quality check) -4.53 pp/yr 100/100
  • Revenue-Growth Years (5) 5/5 100/100
Contributes 15.0 pts toward composite.

Cash Generation

Weight: 15%
F 0.0

Scored using efficiency-ratio stability — bank-archetype substitution.

  • Efficiency Ratio Stability (σ) 0.19 0/100
Contributes 0.0 pts toward composite.

Balance Sheet

Weight: 20%
B+ 75.3

Scored using equity-to-assets — bank-archetype substitution.

  • Equity / Assets 9.4% 75/100
Contributes 15.1 pts toward composite.

Stability

Weight: 10%
C 51.7
  • EPS Volatility (σ/μ) 1.41 0/100
  • Negative-Revenue Years (5) 0/5 100/100
  • Piotroski F-Score 8 89/100
Contributes 5.2 pts toward composite.

Guru Flow

Curated superinvestor sentiment — not part of the AlphaQuality grade.
Holding

2 of 2 gurus held; 1 new buy; 1 added.

Holders
2 +1
Avg Δ position
+2.8%
New buys
1
Full exits
0
As of Q2 2026
How this is calculated

AlphaQuality grades six pillars from 0-100 and weights each by archetype:

  • Profitability (25%) — Efficiency Ratio (FY2025), Efficiency Ratio Trend
  • Capital Efficiency (15%) — 5yr Avg ROE, 5yr Share-Count CAGR
  • Growth Quality (15%) — 5yr Revenue CAGR, Efficiency Ratio Trend (growth quality check), Revenue-Growth Years (5)
  • Cash Generation (15%) — Efficiency Ratio Stability (σ)
  • Balance Sheet (20%) — Equity / Assets
  • Stability (10%) — EPS Volatility (σ/μ), Negative-Revenue Years (5), Piotroski F-Score

The six pillars read only reported financial-statement fields — no analyst targets or consensus ratings. The archetype that picks which pillar formulas apply is not fully price-free, though: it can route a company to the distressed/ungradable archetype based on price vs. its 52-week high, and beta affects one classification check. A minimum of 5 fiscal years of audited statements is required. Insurers and banks are graded on their own methodology — insurers on loss ratio, its trend and stability, and premiums-to-surplus; banks on the efficiency ratio, its trend and stability, and equity-to-assets — rather than on industrial margin/ROIC signals. Distressed, highly leveraged infrastructure, asset-manager, and other financial businesses are declared ungradable rather than forced into a numeric score.