Definitive Analysis
Definitive Analysis

Financial Statements

Fundamentals

Valuations

Miscellaneous

Analysis Mode

Search

Five Star Bancorp (FSBC)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$19.03 - $27.39$23.11
Multi-Stage$30.88 - $33.91$32.36
Blended Fair Value$27.74
Current Price$32.20
Upside-13.86%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR202420232022202120202019201820172016
DPS-9.17%0.00%0.760.610.722.441.241.240.000.000.000.00
YoY Growth--25.50%-15.41%-70.54%96.98%0.35%0.00%0.00%0.00%0.00%0.00%
Dividend Yield--2.75%2.72%3.37%8.63%6.20%8.75%0.00%0.00%0.00%0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)57.28
(-) Cash Dividends Paid (M)17.07
(=) Cash Retained (M)40.21
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)11.467.164.30
Cash Retained (M)40.2140.2140.21
(-) Cash Required (M)-11.46-7.16-4.30
(=) Excess Retained (M)28.7633.0535.92
(/) Shares Outstanding (M)21.2621.2621.26
(=) Excess Retained per Share1.351.551.69
LTM Dividend per Share0.800.800.80
(+) Excess Retained per Share1.351.551.69
(=) Adjusted Dividend2.162.362.49
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate-2.00%-1.00%0.00%
Fair Value$19.03$23.11$27.39
Upside / Downside-40.89%-28.22%-14.93%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)57.2856.7156.1455.5855.0254.4756.11
Payout Ratio29.79%41.84%53.88%65.92%77.96%90.00%92.50%
Projected Dividends (M)17.0723.7230.2536.6442.9049.0351.90

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate-2.00%-1.00%0.00%
Year 1 PV (M)21.5321.7521.96
Year 2 PV (M)24.9025.4125.93
Year 3 PV (M)27.3728.2129.08
Year 4 PV (M)29.0730.2831.52
Year 5 PV (M)30.1531.7233.36
PV of Terminal Value (M)523.41550.66579.04
Equity Value (M)656.43688.03720.89
Shares Outstanding (M)21.2621.2621.26
Fair Value$30.88$32.36$33.91
Upside / Downside-4.11%0.51%5.30%

High-Yield Dividend Screener

« Prev Page 29 of 151 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
SUSuncor Energy Inc.5.07%$2.3153.29%
023410.KQEugene Corporation5.06%$183.4563.50%
7537.TMarubun Corporation5.06%$65.8855.36%
GLJ.DEGrenke AG5.06%$0.7954.91%
KZOS.MEKazan Public Joint Stock Company Organichesky sintez5.06%$3.3620.60%
LTLS.JKPT Lautan Luas Tbk5.06%$43.7440.34%
MDS-UN.TOHealthcare Special Opportunities Fund5.06%$0.5664.99%
PUUILO.HEPuuilo Oyj5.06%$0.6382.63%
VCI.VVitreous Glass Inc.5.06%$0.3791.09%
051600.KSKEPCO Plant Service & Engineering Co.,Ltd.5.05%$2,469.0084.53%
BLXBanco Latinoamericano de Comercio Exterior, S. A.5.05%$2.2137.06%
TLI.BKThai Life Insurance Public Company Limited5.05%$0.5047.29%
031330.KQSAMT Co., Ltd.5.04%$200.0045.01%
DCR.WADecora S.A.5.04%$3.7855.77%
PST.MIPoste Italiane S.p.A.5.04%$1.0965.05%
RDX.AXRedox Limited5.04%$0.1554.66%
UPOIC.BKUnited Palm Oil Industry Public Company Limited5.04%$0.3361.35%
WKL.ASWolters Kluwer N.V.5.04%$4.4348.01%
000600.SZJointo Energy Investment Co., Ltd. Hebei5.03%$0.4345.84%
0QNN.LBurckhardt Compression Holding AG5.03%$27.4847.49%
002233.SZGuangdong Tapai Group Co., Ltd.5.02%$0.4570.96%
9308.TInui Global Logistics Co., Ltd.5.02%$68.9239.29%
FFI.AXFFI Holdings Limited5.02%$0.2431.68%
SJWD.BKSCGJWD Logistics Public Company Limited5.02%$0.3762.75%
007590.KSDONGBANG AGRO Corporation5.01%$300.1154.47%
0151.HKWant Want China Holdings Limited5.01%$0.2363.82%
2971.TEscon Japan REIT Investment Corporation5.01%$6,447.9060.16%
BBL-R.BKBangkok Bank Public Company Limited5.01%$8.5034.27%
DIC.AEDubai Investments PJSC5.01%$0.1858.95%
006390.KSHanil Hyundai Cement Co., Ltd5.00%$900.0433.14%
600998.SSJointown Pharmaceutical Group Co., Ltd5.00%$0.2646.36%
7020.SREtihad Etisalat Company5.00%$3.3172.99%
KA8.DEKlassik Radio AG5.00%$0.1595.39%
ORDS.QAOoredoo Q.P.S.C.4.99%$0.6557.81%
002616.SZGuangdong Chant Group Inc.4.98%$0.2771.11%
039130.KSHanatour Service Inc.4.98%$2,419.0255.18%
1264.TWOTehmag Foods Corporation4.98%$13.9967.27%
1295.KLPublic Bank Berhad4.98%$0.2260.48%
AW-UN.TOA&W Revenue Royalties Income Fund4.98%$1.8492.91%
WPK.TOWinpak Ltd.4.98%$2.2699.45%
000776.SZGF Securities Co., Ltd.4.97%$1.0960.30%
5236.KLMatrix Concepts Holdings Berhad4.97%$0.0756.54%
601298.SSQingdao Port International Co., Ltd.4.97%$0.4149.05%
7133.KLUnited U-LI Corporation Berhad4.97%$0.0846.08%
9925.TWTaiwan Shin Kong Security Co., Ltd.4.97%$2.0281.40%
034590.KSIncheon City Gas Co., Ltd.4.96%$1,251.1528.53%
0QP4.ILGeorg Fischer AG4.96%$2.6644.86%
4163.SRAl-Dawaa Medical Services Company4.96%$2.5157.67%
9163.TNareru Group Inc.4.96%$114.0343.61%
CPFE3.SACPFL Energia S.A.4.96%$2.6656.33%