Five Star Bancorp Financial Ratios — 4F6 Stock

Profitability (USD)

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	29.61	23.01	18.37	17.73	13.39	14.63
Return on Assets (%)	- -	2.09	1.88	1.55	1.4	1.19	1.4
Return on Capital (%)	- -	22.16	19.95	12.91	9.88	9.02	12.21
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	52.35	50.49	56.23	57.7	56.84	51.79	53.33
Profit Margin (%)	50.52	48.7	50.62	41.12	40.73	36.55	39.24
Net Income to Common Margin (%)	50.52	48.7	50.62	41.12	40.73	36.55	39.24
Effective Tax Rate (%)	3.49	3.56	9.98	28.73	28.34	29.43	26.42
Dvd Payout Ratio (%)	89.69	73.39	122.39	34.15	27.11	35.57	27.73
Sustainable Growth Rate (%)	- -	7.88	-5.15	12.09	12.92	8.62	10.57

Credit (USD)

Credit Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	53	28	28	178	249	81	86
ST Debt	- -	- -	- -	- -	- -	- -	- -
LT Debt	53	28	28	178	249	81	86
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.36	6.85	9.19	7.83	7.95	9.79	9.38
Long-Term Debt/Equity (%)	48.91	21.17	12.08	70.34	87.25	20.36	19.27
Long-Term Debt/Capital (%)	32.85	17.47	10.78	41.3	46.6	16.92	16.16
Long-Term Debt/Total Assets (%)	3.6	1.45	1.11	5.51	6.94	1.99	1.81
Total Debt/Equity (%)	48.91	21.17	12.08	70.34	87.25	20.36	19.27
Total Debt/Capital (%)	32.85	17.47	10.78	41.3	46.6	16.92	16.16
Total Debt/Total Assets (%)	3.6	1.45	1.11	5.51	6.94	1.99	1.81
Net Debt to Equity	-132.31	-213.7	-175.03	-38.06	-29.28	-71.24	-97.1
Net Debt/Capital (%)	409.49	187.95	233.28	-59.83	-40.29	-233.7	-1,746.03
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.36	6.85	9.19	7.83	7.95	9.79	9.38
Long-Term Debt/Equity (%)	48.91	21.17	12.08	70.34	87.25	20.36	19.27
Long-Term Debt/Capital (%)	32.85	17.47	10.78	41.3	46.6	16.92	16.16
Long-Term Debt/Total Assets (%)	3.6	1.45	1.11	5.51	6.94	1.99	1.81
Total Debt/Equity (%)	48.91	21.17	12.08	70.34	87.25	20.36	19.27
Total Debt/Capital (%)	32.85	17.47	10.78	41.3	46.6	16.92	16.16
Total Debt/Total Assets (%)	3.6	1.45	1.11	5.51	6.94	1.99	1.81
CFO/Total Liabilities	2.11	2.83	1.23	1.55	1.18	1.42	1.69
CFO/CapEx	56.9	61.79	39.97	95.58	59.59	82.46	60.66
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	16.58	15.59	17.04	14.27	12.97	14.15
Days Sales Outstanding	- -	22.02	23.41	21.42	25.58	28.13	25.8
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	511	473	457	519	733
- Cash & Cash Equivalents	197	314	440	270	327	356	507
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	53	28	28	178	249	81	86
Enterprise Value	- -	- -	-49	265	271	182	254
Total Capital	162	162	263	431	535	477	532
Total Debt/Capital (%)	32.85	17.47	10.78	41.3	46.6	16.92	16.16
Total Debt / EV	- -	- -	-0.58	0.67	0.92	0.44	0.34
EV/Sales	- -	- -	- -	2.43	2.31	1.46	1.62
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	5.76	6.96	3.52	3.5
EV/Free Cash Flow to Firm	- -	- -	- -	5.82	7.08	3.56	3.56
Diluted Market Cap	- -	- -	445	471	455	492	730
Diluted Enterprise Value	- -	- -	-115	263	269	155	251
EV per Share	- -	- -	- -	15.35	15.71	8.55	11.89
TTM Sales	58	74	84	109	117	125	157
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	29	51	29	46	39	52	73
TTM Free Cash Flow to Firm	28	51	28	45	38	51	71

Multiples (USD)

Valuation Multiples API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	15.93	10.34	11.9	9.62	10.22
EV/EBIT	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	-49	265	271	182	254
Low Price	- -	- -	22.11	23.66	18.01	20.92	22.7
EV/Sales	- -	- -	- -	2.43	2.31	1.46	1.62
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	10.47	10.48	9.53	10.75	11.82
Price/Earnings Average	- -	- -	9.06	10.53	8.12	11.43	10.06
Price/Earnings High	- -	- -	11.21	12.06	10.33	14.78	12.96
Price/Earnings Low	- -	- -	7.8	9.04	6.48	9.23	7.82
Price/Book Value	- -	- -	2.18	1.87	1.6	1.31	1.64
Price/Book Value Average	- -	- -	1.88	1.88	1.36	1.39	1.4
Price/Book Value High	- -	- -	2.33	2.15	1.73	1.8	1.8
Price/Book Value Low	- -	- -	1.62	1.61	1.09	1.12	1.09
Price/Tangible Book Value	- -	- -	2.18	1.87	1.6	1.31	1.64
Price/Tangible Book Value Average	- -	- -	1.88	1.88	1.36	1.39	1.4
Price/Tangible Book Value High	- -	- -	2.33	2.15	1.73	1.8	1.8
Price/Tangible Book Value Low	- -	- -	1.62	1.61	1.09	1.12	1.09
Price/Sales	- -	- -	5.3	4.31	3.88	3.93	4.64
Price/Sales Average	- -	- -	4.58	4.33	3.31	4.18	3.95
Price/Sales High	- -	- -	5.68	4.96	4.21	5.4	5.09
Price/Sales Low	- -	- -	3.95	3.72	2.64	3.37	3.07
Price/Cash Flow	- -	- -	15.51	10.21	11.69	9.48	10.03
Price/Cash Flow Average	- -	- -	13.41	10.26	9.96	10.08	8.54
Price/Cash Flow High	- -	- -	16.61	11.75	12.67	13.04	11
Price/Cash Flow Low	- -	- -	11.55	8.81	7.95	8.14	6.64
Price/Free Cash Flow Average	- -	- -	13.78	10.39	10.14	10.23	8.7
Price/Free Cash Flow High	- -	- -	17.06	11.9	12.9	13.23	11.21
Price/Free Cash Flow Low	- -	- -	11.86	8.93	8.09	8.26	6.76
EV/Sales Average	- -	- -	- -	2.45	1.74	1.72	0.92
EV/Sales High	- -	- -	- -	3.08	2.64	3.02	2.07
EV/Sales Low	- -	- -	- -	1.84	1.06	0.87	0.04
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	29.68	27.41	26.49	24.36	34.31
High Price	- -	- -	31.78	31.53	28.72	33.5	37.62
Enterprise Value Average	- -	- -	-118	267	203	215	145
Enterprise Value High	- -	- -	-13	336	309	377	325
Enterprise Value Low	- -	- -	-179	200	125	109	6

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	16	16	17	17	17	21	21
Diluted Weighted Avg Shares	16	16	15	17	17	20	21
Basic Weighted Avg Shares	16	16	15	17	17	20	21
Revenue per Share	3.57	4.54	5.6	6.36	6.83	6.2	7.4
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.8	2.21	2.83	2.62	2.78	2.27	2.9
Basic EPS from Cont Ops	1.8	2.21	2.83	2.62	2.78	2.27	2.9
Diluted EPS, GAAP	1.8	2.21	2.83	2.61	2.78	2.26	2.9
Diluted EPS from Cont Ops	1.8	2.21	2.83	2.61	2.78	2.26	2.9
Dividend per Share	1.62	1.62	3.47	0.89	0.75	0.81	0.8
Cash Flow per Share	1.78	3.16	1.91	2.68	2.27	2.57	3.42
Free Cash Flow per Basic Share	1.75	3.11	1.87	2.66	2.23	2.54	3.36
Cash & Equivalents per Share	16.88	26.38	34.17	22.38	25.24	19.59	26.44
Book Value per Share	6.69	8.22	13.65	14.66	16.56	18.6	20.87
Tangible Book Value per Share	6.69	8.22	13.65	14.66	16.56	18.6	20.87