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Five Star Bancorp
Buy, Hold or Sell?

Let's analyse Five Star Bancorp together

PenkeI guess you are interested in Five Star Bancorp. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Five Star Bancorp. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Five Star Bancorp (30 sec.)










What can you expect buying and holding a share of Five Star Bancorp? (30 sec.)

How much money do you get?

How much money do you get?
$0.75
When do you have the money?
1 year
How often do you get paid?
58.1%

What is your share worth?

Current worth
$16.47
Expected worth in 1 year
$18.37
How sure are you?
93.5%

+ What do you gain per year?

Total Gains per Share
$2.64
Return On Investment
11.1%

For what price can you sell your share?

Current Price per Share
$23.80
Expected price per share
$21.83 - $25.50
How sure are you?
50%

1. Valuation of Five Star Bancorp (5 min.)




Live pricePrice per Share (EOD)

$23.80

Intrinsic Value Per Share

$-64.28 - $-78.42

Total Value Per Share

$-47.81 - $-61.95

2. Growth of Five Star Bancorp (5 min.)




Is Five Star Bancorp growing?

Current yearPrevious yearGrowGrow %
How rich?$285.7m$239m$33.3m12.2%

How much money is Five Star Bancorp making?

Current yearPrevious yearGrowGrow %
Making money$11.9m$11.2m$733.2k6.1%
Net Profit Margin36.7%41.0%--

How much money comes from the company's main activities?

3. Financial Health of Five Star Bancorp (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Five Star Bancorp? (5 min.)

Welcome investor! Five Star Bancorp's management wants to use your money to grow the business. In return you get a share of Five Star Bancorp.

What can you expect buying and holding a share of Five Star Bancorp?

First you should know what it really means to hold a share of Five Star Bancorp. And how you can make/lose money.

Speculation

The Price per Share of Five Star Bancorp is $23.80. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Five Star Bancorp.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Five Star Bancorp, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $16.47. Based on the TTM, the Book Value Change Per Share is $0.47 per quarter. Based on the YOY, the Book Value Change Per Share is $0.26 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.19 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Five Star Bancorp.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.622.6%0.682.9%0.652.7%0.492.1%0.321.3%
Usd Book Value Change Per Share0.682.8%0.472.0%0.261.1%0.733.1%0.532.2%
Usd Dividend Per Share0.200.8%0.190.8%0.220.9%0.341.4%0.220.9%
Usd Total Gains Per Share0.883.7%0.662.8%0.482.0%1.074.5%0.753.2%
Usd Price Per Share26.18-22.49-27.58-18.10-16.81-
Price to Earnings Ratio10.52-8.32-10.84-2,167.68-1,759.76-
Price-to-Total Gains Ratio29.89-34.93-80.34-471.16-1,392.60-
Price to Book Ratio1.59-1.43-2.00-2.31-4.32-
Price-to-Total Gains Ratio29.89-34.93-80.34-471.16-1,392.60-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share23.8
Number of shares42
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.190.34
Usd Book Value Change Per Share0.470.73
Usd Total Gains Per Share0.661.07
Gains per Quarter (42 shares)27.7745.00
Gains per Year (42 shares)111.07179.98
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1318010157123170
263159212114246350
394239323171369530
4125319434228492710
5157399545285615890
61884786563417381070
72195587673988621250
82516388784559851430
928271898951211081610
10313797110056912311790

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%18.02.00.090.0%29.02.00.093.5%29.02.00.093.5%
Book Value Change Per Share4.00.00.0100.0%10.02.00.083.3%14.03.03.070.0%23.05.03.074.2%23.05.03.074.2%
Dividend per Share4.00.00.0100.0%12.00.00.0100.0%17.00.03.085.0%18.00.013.058.1%18.00.013.058.1%
Total Gains per Share4.00.00.0100.0%12.00.00.0100.0%19.01.00.095.0%29.02.00.093.5%29.02.00.093.5%

Fundamentals of Five Star Bancorp

About Five Star Bancorp

Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals in Northern California. It accepts various deposits, such as money market accounts, noninterest-bearing and interest checking accounts, savings accounts, term certificate accounts, and time deposits. The company also offers loan products, including commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans, as well as operating lines of credit. In addition, it provides debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.

Fundamental data was last updated by Penke on 2024-03-20 17:37:02.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of Five Star Bancorp.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Five Star Bancorp earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Five Star Bancorp to the Banks - Regional industry mean.
  • A Net Profit Margin of 22.4% means that $0.22 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Five Star Bancorp:

  • The MRQ is 22.4%. The company is making a huge profit. +2
  • The TTM is 36.7%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ22.4%TTM36.7%-14.3%
TTM36.7%YOY41.0%-4.3%
TTM36.7%5Y18.7%+18.1%
5Y18.7%10Y111.6%-92.9%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ22.4%18.4%+4.0%
TTM36.7%28.0%+8.7%
YOY41.0%25.2%+15.8%
5Y18.7%22.8%-4.1%
10Y111.6%19.8%+91.8%
1.1.2. Return on Assets

Shows how efficient Five Star Bancorp is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Five Star Bancorp to the Banks - Regional industry mean.
  • 0.3% Return on Assets means that Five Star Bancorp generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Five Star Bancorp:

  • The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.3%TTM0.3%0.0%
TTM0.3%YOY0.4%0.0%
TTM0.3%5Y13.2%-12.8%
5Y13.2%10Y8.5%+4.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3%0.1%+0.2%
TTM0.3%0.2%+0.1%
YOY0.4%0.2%+0.2%
5Y13.2%0.2%+13.0%
10Y8.5%0.2%+8.3%
1.1.3. Return on Equity

Shows how efficient Five Star Bancorp is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Five Star Bancorp to the Banks - Regional industry mean.
  • 3.8% Return on Equity means Five Star Bancorp generated $0.04 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Five Star Bancorp:

  • The MRQ is 3.8%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 4.4%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ3.8%TTM4.4%-0.6%
TTM4.4%YOY4.7%-0.3%
TTM4.4%5Y7.4%-3.0%
5Y7.4%10Y4.9%+2.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ3.8%1.4%+2.4%
TTM4.4%2.5%+1.9%
YOY4.7%2.7%+2.0%
5Y7.4%2.5%+4.9%
10Y4.9%2.8%+2.1%

1.2. Operating Efficiency of Five Star Bancorp.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Five Star Bancorp is operating .

  • Measures how much profit Five Star Bancorp makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Five Star Bancorp to the Banks - Regional industry mean.
  • An Operating Margin of 30.7% means the company generated $0.31  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Five Star Bancorp:

  • The MRQ is 30.7%. The company is operating very efficient. +2
  • The TTM is 59.3%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ30.7%TTM59.3%-28.6%
TTM59.3%YOY70.4%-11.1%
TTM59.3%5Y2,454.1%-2,394.8%
5Y2,454.1%10Y2,260.1%+194.0%
1.2.2. Operating Ratio

Measures how efficient Five Star Bancorp is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.10 means that the operating costs are $0.10 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Five Star Bancorp:

  • The MRQ is 0.102. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.110. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.102TTM0.110-0.008
TTM0.110YOY0.088+0.022
TTM0.1105Y29.732-29.622
5Y29.73210Y34.737-5.005

1.3. Liquidity of Five Star Bancorp.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Five Star Bancorp is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.11 means the company has $0.11 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Five Star Bancorp:

  • The MRQ is 0.110. The company is unable to pay all its short-term debts. -2
  • The TTM is 54.616. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ0.110TTM54.616-54.505
TTM54.616YOY53.922+0.694
TTM54.6165Y33.687+20.929
5Y33.68710Y22.584+11.103
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM54.6160.124+54.492
YOY53.9220.225+53.697
5Y33.6870.219+33.468
10Y22.5840.131+22.453
1.3.2. Quick Ratio

Measures if Five Star Bancorp is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Five Star Bancorp to the Banks - Regional industry mean.
  • A Quick Ratio of 0.09 means the company can pay off $0.09 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Five Star Bancorp:

  • The MRQ is 0.087. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 59.036. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ0.087TTM59.036-58.949
TTM59.036YOY60.298-1.262
TTM59.0365Y46.980+12.056
5Y46.98010Y31.755+15.226

1.4. Solvency of Five Star Bancorp.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Five Star Bancorp assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Five Star Bancorp to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.92 means that Five Star Bancorp assets are financed with 92.0% credit (debt) and the remaining percentage (100% - 92.0%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Five Star Bancorp:

  • The MRQ is 0.920. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.922. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.920TTM0.922-0.001
TTM0.922YOY0.920+0.002
TTM0.9225Y6.536-5.614
5Y6.53610Y4.535+2.001
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9200.915+0.005
TTM0.9220.917+0.005
YOY0.9200.919+0.001
5Y6.5360.919+5.617
10Y4.5350.927+3.608
1.4.2. Debt to Equity Ratio

Measures if Five Star Bancorp is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Five Star Bancorp to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,157.3% means that company has $11.57 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Five Star Bancorp:

  • The MRQ is 11.573. The company is unable to pay all its debts with equity. -1
  • The TTM is 11.760. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ11.573TTM11.760-0.187
TTM11.760YOY11.450+0.310
TTM11.7605Y10.794+0.967
5Y10.79410Y10.113+0.681
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ11.57310.829+0.744
TTM11.76011.013+0.747
YOY11.45011.363+0.087
5Y10.79411.437-0.643
10Y10.11313.038-2.925

2. Market Valuation of Five Star Bancorp

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Five Star Bancorp generates.

  • Above 15 is considered overpriced but always compare Five Star Bancorp to the Banks - Regional industry mean.
  • A PE ratio of 10.52 means the investor is paying $10.52 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Five Star Bancorp:

  • The EOD is 9.561. Based on the earnings, the company is underpriced. +1
  • The MRQ is 10.517. Based on the earnings, the company is underpriced. +1
  • The TTM is 8.324. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD9.561MRQ10.517-0.956
MRQ10.517TTM8.324+2.194
TTM8.324YOY10.844-2.520
TTM8.3245Y2,167.676-2,159.353
5Y2,167.67610Y1,759.758+407.918
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD9.5617.398+2.163
MRQ10.5176.680+3.837
TTM8.3245.295+3.029
YOY10.8446.943+3.901
5Y2,167.6769.770+2,157.906
10Y1,759.7589.943+1,749.815
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Five Star Bancorp:

  • The EOD is 800.415. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is 880.456. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is 273.493. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD800.415MRQ880.456-80.041
MRQ880.456TTM273.493+606.964
TTM273.493YOY16.622+256.871
TTM273.4935Y56.163+217.329
5Y56.16310Y20.408+35.756
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD800.415-2.069+802.484
MRQ880.456-1.868+882.324
TTM273.493-0.342+273.835
YOY16.6226.448+10.174
5Y56.1630.429+55.734
10Y20.4080.091+20.317
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Five Star Bancorp is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.59 means the investor is paying $1.59 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Five Star Bancorp:

  • The EOD is 1.445. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.590. Based on the equity, the company is underpriced. +1
  • The TTM is 1.431. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.445MRQ1.590-0.145
MRQ1.590TTM1.431+0.159
TTM1.431YOY2.005-0.574
TTM1.4315Y2.313-0.882
5Y2.31310Y4.323-2.010
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.4450.427+1.018
MRQ1.5900.386+1.204
TTM1.4310.470+0.961
YOY2.0050.642+1.363
5Y2.3130.795+1.518
10Y4.3231.025+3.298
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Five Star Bancorp.

3.1. Institutions holding Five Star Bancorp

Institutions are holding 47.363% of the shares of Five Star Bancorp.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31Davis Asset Management, L.P.11.65771.293320230001023000102.3
2023-12-31T. Rowe Price Investment Management,Inc.7.94840.02351379319-1733-0.1255
2023-12-31BlackRock Inc5.46260.0006947953546436.1169
2023-12-31ELEMENT POINTE ADVISORS, LLC3.33793.52975792465792460
2023-12-31Vanguard Group Inc3.12010.000354144374751.3999
2023-12-31CapTrust Financial Advisors2.50920.0393435436-5157-1.1705
2023-12-31Amvescap Plc.2.09760.0023364008129573.6909
2023-12-31Adage Capital Partners Gp LLC1.72880.016330000000
2023-12-31Geode Capital Management, LLC1.46610.000725442074943.0349
2023-12-31State Street Corporation1.28190.000322244937761.7268
2023-12-31Pacific Ridge Capital Partners, LLC1.25751.16032182193248717.4913
2023-12-31Brighton Jones LLC0.83650.1602145155-12000-7.6358
2023-12-31Putnam Investments LLC0.78140.004713559730032.2648
2023-12-31Siena Capital Management, LLC0.77711.107213484700
2023-12-31Northern Trust Corp0.67120.000611647859065.3413
2023-12-31Banc Funds Co LLC0.65460.293211360000
2023-12-31Dimensional Fund Advisors, Inc.0.65130.00091130272584229.6404
2023-12-31Bank of New York Mellon Corp0.47360.0004821832955656.1613
2023-12-31Wellington Management Company LLP0.44860.00047785500
2023-12-31Cox Capital Co LLC0.44531.320477279-41049-34.6909
Total 47.60748.95468261514+1725446+20.9%

3.2. Funds holding Five Star Bancorp

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31T. Rowe Price Small-Cap Stock3.65460.1755634197-900-0.1417
2023-12-31T. Rowe Price US Small-Cap Core Equity3.65460.175634197-900-0.1417
2024-01-31Invesco Small Cap Value A1.98380.216334425400
2024-02-29iShares Russell 2000 ETF1.89160.0125328262-54-0.0164
2023-12-31T. Rowe Price U.S. SC Core Eq Tr-Z1.74060.16953020549000.2989
2023-12-31T. Rowe Price Instl Small-Cap Stock1.71990.177629845700
2024-02-29Vanguard Total Stock Mkt Idx Inv1.69370.000529390800
2024-02-29Vanguard Institutional Extnd Mkt Idx Tr0.89750.00361557385050.3253
2023-12-31Fidelity Small Cap Index0.71060.01271233195020.4087
2023-09-30Pacific Ridge Capital Ptnrs Micro Cp Val0.61831.05691073001073000
2023-12-31Putnam U.S. Small Cap Value Equity0.54410.89349442522002.3855
2023-12-31Putnam Small Cap Value A0.54410.88479442522002.3855
2023-12-31Putnam Small Cap Value Managed Account0.54410.89349442522002.3855
2024-02-01iShares Russell 2000 Value ETF0.4130.014471667900.1257
2024-02-29Adara Smaller Companies0.40690.31477061000
2024-01-31Fidelity Extended Market Index0.37730.0044654806721.0369
2024-02-29State St Russell Sm/Mid Cp® Indx NL Cl C0.34040.00345906400
2024-02-29iShares Russell 2000 Growth ETF0.28940.010550219-58-0.1154
2023-12-31Acuitas US Microcap Strategy0.28170.340848890754018.2346
2024-02-29Vanguard Russell 2000 ETF0.26770.01164646135608.2982
Total 22.57395.37143917352+125757+3.2%

3.3. Insider Transactions

Insiders are holding 34.077% of the shares of Five Star Bancorp.

DateOwnerTypeAmountPricePost Transaction AmountLink
2024-02-06Robert Truxtun Perry-smithBUY40021.92
2023-11-02Brett Levi WaitBUY175019.25
2023-10-25David John LucchettiBUY540518.69

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Five Star Bancorp compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.6770.475+43%0.256+164%0.733-8%0.531+27%
Book Value Per Share--16.46815.697+5%13.777+20%5.646+192%4.269+286%
Current Ratio--0.11054.616-100%53.922-100%33.687-100%22.584-100%
Debt To Asset Ratio--0.9200.9220%0.920+0%6.536-86%4.535-80%
Debt To Equity Ratio--11.57311.760-2%11.450+1%10.794+7%10.113+14%
Dividend Per Share--0.1990.186+7%0.220-10%0.339-41%0.220-10%
Eps--0.6220.681-9%0.645-4%0.490+27%0.319+95%
Free Cash Flow Per Share--0.0070.587-99%0.655-99%0.477-98%0.311-98%
Free Cash Flow To Equity Per Share--4.1124.937-17%9.668-57%5.996-31%3.992+3%
Gross Profit Margin--0.9340.949-2%0.957-2%0.969-4%0.980-5%
Intrinsic Value_10Y_max---78.415--------
Intrinsic Value_10Y_min---64.279--------
Intrinsic Value_1Y_max--0.739--------
Intrinsic Value_1Y_min--0.731--------
Intrinsic Value_3Y_max---4.331--------
Intrinsic Value_3Y_min---4.003--------
Intrinsic Value_5Y_max---17.301--------
Intrinsic Value_5Y_min---15.494--------
Market Cap413010920.000-10%454312012.000390234582.500+16%478606772.000-5%314161875.551+45%291789024.194+56%
Net Profit Margin--0.2240.367-39%0.410-45%0.187+20%1.116-80%
Operating Margin--0.3070.593-48%0.704-56%24.541-99%22.601-99%
Operating Ratio--0.1020.110-7%0.088+15%29.732-100%34.737-100%
Pb Ratio1.445-10%1.5901.431+11%2.005-21%2.313-31%4.323-63%
Pe Ratio9.561-10%10.5178.324+26%10.844-3%2167.676-100%1759.758-99%
Price Per Share23.800-10%26.18022.488+16%27.580-5%18.104+45%16.815+56%
Price To Free Cash Flow Ratio800.415-10%880.456273.493+222%16.622+5197%56.163+1468%20.408+4214%
Price To Total Gains Ratio27.168-10%29.88534.929-14%80.338-63%471.160-94%1392.596-98%
Quick Ratio--0.08759.036-100%60.298-100%46.980-100%31.755-100%
Return On Assets--0.0030.003-13%0.004-20%0.132-98%0.085-96%
Return On Equity--0.0380.044-14%0.047-19%0.074-49%0.049-23%
Total Gains Per Share--0.8760.661+33%0.477+84%1.071-18%0.751+17%
Usd Book Value--285774000.000272398500.000+5%239086000.000+20%97972950.000+192%74085870.968+286%
Usd Book Value Change Per Share--0.6770.475+43%0.256+164%0.733-8%0.531+27%
Usd Book Value Per Share--16.46815.697+5%13.777+20%5.646+192%4.269+286%
Usd Dividend Per Share--0.1990.186+7%0.220-10%0.339-41%0.220-10%
Usd Eps--0.6220.681-9%0.645-4%0.490+27%0.319+95%
Usd Free Cash Flow--128999.00010180499.750-99%11373500.000-99%8281599.950-98%5392677.387-98%
Usd Free Cash Flow Per Share--0.0070.587-99%0.655-99%0.477-98%0.311-98%
Usd Free Cash Flow To Equity Per Share--4.1124.937-17%9.668-57%5.996-31%3.992+3%
Usd Market Cap413010920.000-10%454312012.000390234582.500+16%478606772.000-5%314161875.551+45%291789024.194+56%
Usd Price Per Share23.800-10%26.18022.488+16%27.580-5%18.104+45%16.815+56%
Usd Profit--10799000.00011933500.000-10%11200250.000-4%8518150.000+27%5548580.645+95%
Usd Revenue--48116000.00034242250.000+41%27235000.000+77%22273650.000+116%14769935.484+226%
Usd Total Gains Per Share--0.8760.661+33%0.477+84%1.071-18%0.751+17%
 EOD+4 -4MRQTTM+16 -20YOY+11 -255Y+15 -2110Y+20 -16

4.2. Fundamental Score

Let's check the fundamental score of Five Star Bancorp based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-159.561
Price to Book Ratio (EOD)Between0-11.445
Net Profit Margin (MRQ)Greater than00.224
Operating Margin (MRQ)Greater than00.307
Quick Ratio (MRQ)Greater than10.087
Current Ratio (MRQ)Greater than10.110
Debt to Asset Ratio (MRQ)Less than10.920
Debt to Equity Ratio (MRQ)Less than111.573
Return on Equity (MRQ)Greater than0.150.038
Return on Assets (MRQ)Greater than0.050.003
Total4/10 (40.0%)

4.3. Technical Score

Let's check the technical score of Five Star Bancorp based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5054.157
Ma 20Greater thanMa 5023.460
Ma 50Greater thanMa 10023.688
Ma 100Greater thanMa 20023.734
OpenGreater thanClose23.020
Total2/5 (40.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Other Current Liabilities  -14,481-2,692-17,173-7,697-24,870-5,180-30,0502,906,4162,876,366
Net Working Capital  378,8013,182,7903,561,591-3,447,099114,492-13,712100,780-2,811,997-2,711,217
Total Other Income Expense Net -8,267-2,477-10,744-12,206-22,950-4,215-27,16542,31615,151



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary
Total Assets3,593,125
Total Liabilities3,307,351
Total Stockholder Equity285,774
 As reported
Total Liabilities 3,307,351
Total Stockholder Equity+ 285,774
Total Assets = 3,593,125

Assets

Total Assets3,593,125
Total Current Assets336,404
Long-term Assets3,256,721
Total Current Assets
Cash And Cash Equivalents 327,434
Short-term Investments 108,083
Net Receivables 22,582
Inventory -157,651
Total Current Assets  (as reported)336,404
Total Current Assets  (calculated)300,448
+/- 35,956
Long-term Assets
Property Plant Equipment 6,907
Long Term Investments 117,961
Long-term Assets Other 2,922,902
Long-term Assets  (as reported)3,256,721
Long-term Assets  (calculated)3,047,770
+/- 208,951

Liabilities & Shareholders' Equity

Total Current Liabilities3,047,621
Long-term Liabilities259,730
Total Stockholder Equity285,774
Total Current Liabilities
Short-term Debt 171,255
Other Current Liabilities 2,876,366
Total Current Liabilities  (as reported)3,047,621
Total Current Liabilities  (calculated)3,047,621
+/-0
Long-term Liabilities
Long term Debt 243,749
Capital Lease Obligations 5,603
Long-term Liabilities  (as reported)259,730
Long-term Liabilities  (calculated)249,352
+/- 10,378
Total Stockholder Equity
Common Stock220,505
Retained Earnings 77,036
Accumulated Other Comprehensive Income -11,767
Total Stockholder Equity (as reported)285,774
Total Stockholder Equity (calculated)285,774
+/-0
Other
Capital Stock220,505
Cash and Short Term Investments 135,069
Common Stock Shares Outstanding 17,167
Liabilities and Stockholders Equity 3,593,125
Net Debt -78,082
Net Invested Capital 529,523
Net Working Capital -2,711,217
Property Plant and Equipment Gross 11,643
Short Long Term Debt Total 249,352



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-30
> Total Assets 
279,914
259,723
273,721
286,285
291,099
304,584
314,382
314,400
323,676
327,143
328,269
326,627
326,984
324,810
10,056
0
0
0
1,953,765
2,150,737
2,327,867
2,434,493
2,556,761
2,778,249
2,836,071
3,074,570
3,227,159
3,397,308
3,402,701
3,505,040
3,593,125
3,593,1253,505,0403,402,7013,397,3083,227,1593,074,5702,836,0712,778,2492,556,7612,434,4932,327,8672,150,7371,953,76500010,056324,810326,984326,627328,269327,143323,676314,400314,382304,584291,099286,285273,721259,723279,914
   > Total Current Assets 
44,525
23,124
25,806
26,250
27,323
26,802
29,534
26,305
26,322
23,928
25,498
25,084
26,518
24,128
7,933
0
0
0
434,569
171,971
326,001
243,772
600,710
679,559
630,281
473,290
393,282
3,578,764
139,362
130,830
336,404
336,404130,830139,3623,578,764393,282473,290630,281679,559600,710243,772326,001171,971434,5690007,93324,12826,51825,08425,49823,92826,32226,30529,53426,80227,32326,25025,80623,12444,525
       Cash And Cash Equivalents 
25,153
4,830
7,407
7,182
8,229
6,951
10,397
7,704
7,723
5,965
6,291
6,267
7,085
5,216
7,933
0
0
0
314,198
460,288
556,055
548,036
439,793
519,428
281,599
327,885
269,840
357,556
307,466
330,519
327,434
327,434330,519307,466357,556269,840327,885281,599519,428439,793548,036556,055460,288314,1980007,9335,2167,0856,2676,2915,9657,7237,70410,3976,9518,2297,1827,4074,83025,153
       Short-term Investments 
18,746
17,652
17,747
18,363
18,395
19,053
18,313
17,792
17,748
17,027
18,331
17,839
18,448
18,000
0
0
0
0
114,949
127,251
160,074
153,821
148,807
134,813
122,426
114,041
115,988
115,140
110,794
104,086
108,083
108,083104,086110,794115,140115,988114,041122,426134,813148,807153,821160,074127,251114,949000018,00018,44817,83918,33117,02717,74817,79218,31319,05318,39518,36317,74717,65218,746
       Net Receivables 
626
642
652
705
699
798
824
809
851
936
876
978
985
912
0
0
0
0
5,422
15,839
20,170
20,052
21,628
25,318
28,285
31,364
34,077
39,594
40,441
43,717
22,582
22,58243,71740,44139,59434,07731,36428,28525,31821,62820,05220,17015,8395,4220000912985978876936851809824798699705652642626
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-602,943
-199,695
25,319
6,778
35,704
197,971
333,736
277,294
365,299
307,466
330,519
336,404
336,404330,519307,466365,299277,294333,736197,97135,7046,77825,319-199,695-602,9430000000000000000000
   > Long-term Assets 
235,389
236,599
247,915
260,035
263,776
277,782
284,848
288,095
297,354
303,215
302,771
301,543
300,466
300,682
2,123
0
0
0
128,348
1,645
1,649
1,630
1,773
145,853
6,240
123,726
131,010
6,852
6,631
6,363
3,256,721
3,256,7216,3636,6316,852131,010123,7266,240145,8531,7731,6301,6491,645128,3480002,123300,682300,466301,543302,771303,215297,354288,095284,848277,782263,776260,035247,915236,599235,389
       Property Plant Equipment 
2,950
3,077
3,175
3,226
3,199
3,172
3,064
2,975
2,905
2,853
2,731
2,635
2,547
2,506
2,123
0
0
0
1,663
1,645
1,649
1,630
1,773
6,554
6,240
5,921
5,586
6,852
6,631
6,363
6,907
6,9076,3636,6316,8525,5865,9216,2406,5541,7731,6301,6491,6451,6630002,1232,5062,5472,6352,7312,8532,9052,9753,0643,1723,1993,2263,1753,0772,950
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
126,685
133,737
166,547
158,776
153,753
139,299
126,903
117,805
119,744
118,654
114,280
107,190
117,961
117,961107,190114,280118,654119,744117,805126,903139,299153,753158,776166,547133,737126,685000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,286
0
0
0
0
00002,28600000000000000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
177,439
0
0
0
0
0
0
0
0
0
0
0
00000000000177,4390000000000000000000
       Long-term Assets Other 
208,792
229,977
238,153
251,174
254,109
269,068
272,449
278,900
288,398
296,045
294,599
294,142
292,610
294,445
0
0
0
0
-128,348
-133,737
-166,547
-158,776
-153,753
-145,853
-126,903
-123,726
5,680
-118,654
-114,280
-107,190
2,922,902
2,922,902-107,190-114,280-118,6545,680-123,726-126,903-145,853-153,753-158,776-166,547-133,737-128,3480000294,445292,610294,142294,599296,045288,398278,900272,449269,068254,109251,174238,153229,977208,792
> Total Liabilities 
257,703
228,268
241,862
254,392
258,944
273,271
283,326
283,263
292,383
295,825
296,756
294,944
295,183
292,893
291,766
0
0
0
1,819,990
2,019,360
2,109,553
2,208,045
2,321,715
2,547,188
2,602,871
2,835,312
2,974,334
3,136,652
3,133,561
3,231,016
3,307,351
3,307,3513,231,0163,133,5613,136,6522,974,3342,835,3122,602,8712,547,1882,321,7152,208,0452,109,5532,019,3601,819,990000291,766292,893295,183294,944296,756295,825292,383283,263283,326273,271258,944254,392241,862228,268257,703
   > Total Current Liabilities 
0
4,000
0
13,500
5,500
14,500
13,000
11,500
7,000
14,550
13,750
7,500
2,000
2,000
1,000
0
0
0
7,669
7,914
14,915
11,091
7,439
10,706
8,401
9,460
14,481
17,173
24,870
30,050
3,047,621
3,047,62130,05024,87017,17314,4819,4608,40110,7067,43911,09114,9157,9147,6690001,0002,0002,0007,50013,75014,5507,00011,50013,00014,5005,50013,50004,0000
       Short-term Debt 
0
4,000
0
13,500
5,500
14,500
13,000
11,500
7,000
14,550
13,750
7,500
2,000
2,000
1,000
0
0
0
0
0
0
28,364
0
0
0
105,267
101,009
120,000
100,000
90,000
171,255
171,25590,000100,000120,000101,009105,26700028,3640000001,0002,0002,0007,50013,75014,5507,00011,50013,00014,5005,50013,50004,0000
       Accounts payable 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,669
7,914
14,915
11,091
7,439
10,706
8,401
9,460
14,481
17,173
24,870
30,050
0
030,05024,87017,17314,4819,4608,40110,7067,43911,09114,9157,9147,669000000000000000000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-7,669
-7,914
-14,915
-11,091
-7,439
-10,706
-8,401
-9,460
-14,481
-17,173
-24,870
-30,050
2,876,366
2,876,366-30,050-24,870-17,173-14,481-9,460-8,401-10,706-7,439-11,091-14,915-7,914-7,669000000000000000000
   > Long-term Liabilities 
44,241
43,780
57,121
52,261
49,648
55,023
51,689
53,035
61,618
59,246
58,298
57,892
56,842
54,262
50,735
0
0
0
28,320
28,336
28,353
28,370
28,386
33,390
93,159
9,460
14,481
17,173
178,952
168,756
259,730
259,730168,756178,95217,17314,4819,46093,15933,39028,38628,37028,35328,33628,32000050,73554,26256,84257,89258,29859,24661,61853,03551,68955,02349,64852,26157,12143,78044,241
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,741
14,784
10,964
7,324
10,569
8,112
9,133
0
0
1,547
0
0
001,547009,1338,11210,5697,32410,96414,7847,7410000000000000000000
> Total Stockholder Equity
22,211
31,455
31,859
31,893
32,155
31,313
31,056
31,137
31,293
31,318
31,513
31,683
31,801
31,917
31,544
0
0
0
133,775
131,377
218,314
226,448
235,046
231,061
233,200
239,258
252,825
260,656
269,140
274,024
285,774
285,774274,024269,140260,656252,825239,258233,200231,061235,046226,448218,314131,377133,77500031,54431,91731,80131,68331,51331,31831,29331,13731,05631,31332,15531,89331,85931,45522,211
   Common Stock
179
19
19
19
19
18
19
19
19
19
19
19
19
19
19
0
0
0
110,082
110,144
218,026
218,026
218,444
218,721
219,023
219,286
219,543
219,785
220,021
220,266
220,505
220,505220,266220,021219,785219,543219,286219,023218,721218,444218,026218,026110,144110,0820001919191919191919191819191919179
   Retained Earnings 
15,172
15,424
15,923
15,934
16,174
16,376
16,077
16,151
16,219
16,169
16,212
16,221
16,173
16,175
15,699
0
0
0
22,348
21,623
288
8,442
17,168
19,558
26,924
36,042
46,736
52,817
62,095
69,689
77,036
77,03669,68962,09552,81746,73636,04226,92419,55817,1688,44228821,62322,34800015,69916,17516,17316,22116,21216,16916,21916,15116,07716,37616,17415,93415,92315,42415,172
   Accumulated Other Comprehensive Income 
30
22
-85
-75
-66
-71
-165
-257
-262
-282
-183
-114
-41
-20
-9
0
0
0
1,345
-390
288
-20
-566
-7,218
-12,747
-16,070
-13,454
-11,946
-12,976
-15,931
-11,767
-11,767-15,931-12,976-11,946-13,454-16,070-12,747-7,218-566-20288-3901,345000-9-20-41-114-183-282-262-257-165-71-66-75-852230
   Capital Surplus 0000000000000000000000000000000
   Treasury Stock0000000000000000000000000000000
   Other Stockholders Equity 
6,830
15,990
16,002
16,015
16,028
14,990
15,125
15,224
15,317
15,412
15,465
15,557
15,650
15,743
15,835
0
0
0
0
-390
288
170
-566
-7,218
-12,747
-16,070
-13,454
0
-12,976
0
0
00-12,9760-13,454-16,070-12,747-7,218-566170288-390000015,83515,74315,65015,55715,46515,41215,31715,22415,12514,99016,02816,01516,00215,9906,830



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue7,511
Cost of Revenue-6,718
Gross Profit793793
 
Operating Income (+$)
Gross Profit793
Operating Expense-2,403
Operating Income-1,610-1,610
 
Operating Expense (+$)
Research Development0
Selling General Administrative29,299
Selling And Marketing Expenses2,403
Operating Expense2,40331,702
 
Net Interest Income (+$)
Interest Income165,604
Interest Expense-63,502
Other Finance Cost-11,235
Net Interest Income113,337
 
Pretax Income (+$)
Operating Income-1,610
Net Interest Income113,337
Other Non-Operating Income Expenses0
Income Before Tax (EBT)66,616-69,836
EBIT - interestExpense = -65,112
66,616
111,236
Interest Expense63,502
Earnings Before Interest and Taxes (EBIT)-1,610130,118
Earnings Before Interest and Taxes (EBITDA)-1,610
 
After tax Income (+$)
Income Before Tax66,616
Tax Provision-20,017
Net Income From Continuing Ops50,21746,599
Net Income47,734
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses9,121
Total Other Income/Expenses Net68,226-113,337
 

Technical Analysis of Five Star Bancorp
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Five Star Bancorp. The general trend of Five Star Bancorp is BULLISH with 42.9% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Five Star Bancorp's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (42.9%) Bearish trend (-42.9%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Five Star Bancorp.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 24.81 < 24.98 < 25.50.

The bearish price targets are: 22.18 > 22.08 > 21.83.

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Five Star Bancorp Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Five Star Bancorp. The current mas is .

The long score for the Moving Averages is 10/14.
The longshort score for the Moving Averages is 6/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Five Star Bancorp Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Five Star Bancorp. The current macd is -0.11215532.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Five Star Bancorp price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Five Star Bancorp. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Five Star Bancorp price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Five Star Bancorp Daily Moving Average Convergence/Divergence (MACD) ChartFive Star Bancorp Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Five Star Bancorp. The current adx is 15.58.

The long score for the Directional Movement Index (DMI) is 1/7.
The longshort score for the Directional Movement Index (DMI) is 1/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Five Star Bancorp shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Five Star Bancorp Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Five Star Bancorp. The current sar is 24.93.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Five Star Bancorp Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Five Star Bancorp. The current rsi is 54.16. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending up: The RSI is trending up. +1
Five Star Bancorp Daily Relative Strength Index (RSI) ChartFive Star Bancorp Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Five Star Bancorp. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 4/6.
The longshort score for the Stochastic Oscillator is 4/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Five Star Bancorp price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Five Star Bancorp Daily Stochastic Oscillator ChartFive Star Bancorp Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Five Star Bancorp. The current cci is 10.49.

Five Star Bancorp Daily Commodity Channel Index (CCI) ChartFive Star Bancorp Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Five Star Bancorp. The current cmo is 16.68.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Five Star Bancorp Daily Chande Momentum Oscillator (CMO) ChartFive Star Bancorp Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Five Star Bancorp. The current willr is -32.15031315.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Five Star Bancorp is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Five Star Bancorp Daily Williams %R ChartFive Star Bancorp Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Five Star Bancorp.

Five Star Bancorp Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Five Star Bancorp. The current atr is 0.80587867.

Five Star Bancorp Daily Average True Range (ATR) ChartFive Star Bancorp Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Five Star Bancorp. The current obv is 2,310,774.

Five Star Bancorp Daily On-Balance Volume (OBV) ChartFive Star Bancorp Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Five Star Bancorp. The current mfi is 64.63.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Five Star Bancorp Daily Money Flow Index (MFI) ChartFive Star Bancorp Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Five Star Bancorp.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-03CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-07STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-09STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-10BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-11-13STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-14STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-11-15STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-17STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-20STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-11-21SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-11-22STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-27RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-29SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-01CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-05RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-06CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-07STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-11STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-12-13MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-18STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-19STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-20RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-22STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-26BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-12-28STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-29RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-01-02SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-03MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-04DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-01-05STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-09STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-10STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-12STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-16CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-01-18WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-19STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-22CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-23CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-24CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-26STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-29STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-30STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-31CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-06STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-07STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-08RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-12SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-02-13STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-15MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-20STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-21CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-22MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-23STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-28MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-02-29CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-05DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-03-06STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-07STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-03-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-11DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-14MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-18STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-20CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-21MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-03-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-25CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-26MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-03-27MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).

6.3. Candlestick Patterns

Five Star Bancorp Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Five Star Bancorp based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5054.157
Ma 20Greater thanMa 5023.460
Ma 50Greater thanMa 10023.688
Ma 100Greater thanMa 20023.734
OpenGreater thanClose23.020
Total2/5 (40.0%)
Penke

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