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FIVE STAR BANCORP

FSBC

$46.04 ▼ -0.39 (-0.84%) at close

26 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

FIVE STAR BANCORP shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $978.5M

Dividend Yield 0.54%

Revenue Growth 27.6%

Op. Margin 55.5%

ROIC None

FCF / Share None

Trailing P/E 52.9x

Price / Book 2.2x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

26-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$45.10M

↑ +27.6% —

Net Income Profit after all expenses

$18.62M

↑ +42.0% —

Operating Margin Operating profit as % of sales

55.5%

↑ +3.1% 97th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.80 Latest / share

+0.0% YoY

-21.2% 6-yr CAGR

FY 2019

$2.63

FY 2020

$4.55

FY 2021

$1.05

FY 2022

$0.75

FY 2023

$0.80

FY 2024

$0.80

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Jan 5, 2021 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	27.6% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+361%)	—	30.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+401%)	25.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+316%)	23.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+294%)	—	10.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+68%)	0.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-85%)	-6.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-206%)	—	-0.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-106%)	14.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+146%)	26.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+349%)	—	32.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+433%)	31.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+425%)	22.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+271%)	—	16.9% Good → Good Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+182%)	11.5% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+92%)	23.2% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+287%)	—	—	—	—	—
EPS Growth YoY (%)	40.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	31.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	48.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	33.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-18.8% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-31.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-19.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-18.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-5.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	27.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	32.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	18.5% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	6.3% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-13.4% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-37.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-23.5% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-31.9% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-36.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-99.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—
Net Income Growth YoY (%)	42.0% Excellent ↑ Excellent Improving Year-over-year change in net income	32.5% Excellent ↓ Excellent Declining Year-over-year change in net income	49.4% Excellent ↑ Excellent Improving Year-over-year change in net income	34.6% Excellent ↑ Excellent Improving Year-over-year change in net income	23.3% Good ↑ Good Improving Year-over-year change in net income	23.3% Good ↑ Good Improving Year-over-year change in net income	-0.9% Weak ↑ Weak Improving Year-over-year change in net income	-15.3% Weak ↓ Weak Declining Year-over-year change in net income	-19.2% Weak ↓ Weak Declining Year-over-year change in net income	-18.7% Weak ↓ Weak Declining Year-over-year change in net income	-5.6% Weak ↓ Weak Declining Year-over-year change in net income	27.9% Excellent ↑ Excellent Improving Year-over-year change in net income	33.5% Excellent ↑ Excellent Improving Year-over-year change in net income	17.4% Good ↑ Good Improving Year-over-year change in net income	6.1% Fair ↑ Fair Improving Year-over-year change in net income	1.3% Caution ↓ Caution Declining Year-over-year change in net income	-4.0% Weak ↓ Weak Declining Year-over-year change in net income	19.5% Good ↓ Good Declining Year-over-year change in net income	18.1% Good ↓ Good Declining Year-over-year change in net income	-2.9% Weak Weak Year-over-year change in net income	46.7% Excellent Excellent Year-over-year change in net income	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	13.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	—	12.6% Good ↓ Good Declining Compound annual revenue growth over 3 years	13.1% Good → Good Stable Compound annual revenue growth over 3 years	13.7% Good → Good Stable Compound annual revenue growth over 3 years	—	13.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	15.0% Excellent → Excellent Stable Compound annual revenue growth over 3 years	13.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	—	15.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	19.0% Excellent Excellent Compound annual revenue growth over 3 years	24.1% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	18.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	—	17.1% Excellent → Excellent Stable Compound annual revenue growth over 5 years	16.2% Excellent Excellent Compound annual revenue growth over 5 years	17.2% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	4.2% Caution → Caution Stable Compound annual EPS growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	4.2% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	5.4% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	2.2% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-1.0% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-6.7% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-8.7% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-12.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-9.5% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-12.0% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-11.0% Weak Weak Compound annual EPS growth over 3 years	-89.8% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Jan 5, 2021 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	55.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+122%)	—	53.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+115%)	52.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+110%)	52.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+108%)	—	48.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+92%)	49.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+98%)	52.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+109%)	—	54.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+119%)	56.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+126%)	60.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+142%)	—	57.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+128%)	53.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+112%)	56.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+125%)	—	60.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+142%)	52.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+110%)	54.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+117%)	—	51.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+106%)	58.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+132%)	45.5% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	—
Effective Tax Rate (%) (%)	25.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.3% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.5% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.8% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.7% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.8% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.9% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.7% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.9% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.6% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.7% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.5% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.5% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	41.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	—	39.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	37.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	37.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	—	34.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	35.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	37.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	—	38.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	41.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)	43.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+96%)	—	40.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	37.6% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	41.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+86%)	—	50.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+128%)	48.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+122%)	52.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+138%)	—	49.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+126%)	56.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+155%)	43.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+100%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Jan 5, 2021 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—
Return on Common Equity (%) (%)	4.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	4.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-67%)	3.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	3.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	2.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	2.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	3.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	3.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	4.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	4.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	5.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	5.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	4.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	4.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-59%)	4.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-62%)	7.8% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	7.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	7.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	8.7% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	6.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Jan 5, 2021 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Jan 5, 2021 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$2.12	—	$1.95	$1.81	$1.67	—	$1.50	$1.46	$1.66	—	$1.68	$1.77	$1.78	—	$1.69	$1.55	$1.41	—	$1.28	$1.37	$1.79	—	$1.89	$1.87	—	—
Basic EPS, GAAP (USD)	$0.87	$0.83	$0.77	$0.68	$0.62	$0.63	$0.52	$0.51	$0.62	$0.63	$0.64	$0.74	$0.77	$0.77	$0.68	$0.58	$0.58	$0.65	$0.64	$0.67	$0.93	$0.85	$0.94	$1.05	$720.00	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.25	—	$0.20	$0.20	$0.20	—	$0.20	$0.20	$0.20	—	$0.20	$0.20	$0.15	—	$0.15	$0.15	$0.45	—	$0.15	$3.25	$1.00	—	$0.75	—	$0.75	—
Book Value per Share (USD)	$21.45	$20.87	$20.19	$19.51	$19.06	$18.60	$18.29	$18.08	$16.86	—	$15.95	$15.68	$15.10	—	$13.96	$13.62	$13.40	$13.65	$13.26	$14.90	$11.95	$12.16	$13.25	$11.97	—	—
Tangible Book Value per Share (USD)	$21.45	$20.87	$20.19	$19.51	$19.06	$18.60	$18.29	$18.08	$16.86	—	$15.95	$15.68	$15.10	—	$13.96	$13.62	$13.40	$13.65	$13.26	$14.90	$11.95	$12.16	$13.25	$11.97	—	—
Basic Weighted Avg Shares (shares)	21.25M	—	21.23M	21.23M	21.21M	—	21.18M	21.04M	17.19M	—	17.18M	17.17M	17.15M	—	17.14M	17.13M	17.10M	—	17.10M	14.65M	11.00M	—	9.90M	9.67M	—	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	38.5% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	77.6% Caution Caution Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	0.1% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Jan 5, 2021 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$458.52M	$445.83M	$431.31M	$416.74M	$406.45M	$396.62M	$389.93M	$380.47M	$292.58M	$285.77M	$274.02M	$269.14M	$260.66M	$252.82M	$239.26M	$233.20M	$231.06M	$235.05M	$226.64M	$218.31M	$131.38M	$133.78M	$131.21M	$115.72M	$109.38M	$108.88M

📋 What is driving earnings? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Jan 5, 2021 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$45.10M	—	$41.31M	$38.33M	$35.34M	—	$31.77M	$30.66M	$28.58M	—	$28.86M	$30.40M	$30.52M	—	$28.96M	$26.49M	$24.05M	—	$21.94M	$20.14M	$19.66M	—	$18.76M	$18.06M	$15.96M	—
Net Income, GAAP (USD)	$18.62M	$17.64M	$16.34M	$14.51M	$13.11M	$13.32M	$10.94M	$10.78M	$10.63M	$10.80M	$11.04M	$12.73M	$13.16M	$13.28M	$11.70M	$9.95M	$9.86M	$11.31M	$11.03M	$9.83M	$10.28M	$9.46M	$9.34M	$10.12M	$7.01M	—
Operating Cash Flow (USD)	$18.93M	$20.56M	$18.79M	$17.79M	$15.47M	$17.99M	—	$16.02M	$247.00K	$-1.63M	$14.93M	$24.93M	$694.00K	$18.47M	$16.17M	$7.85M	$3.49M	$3.97M	$2.92M	$13.17M	$8.60M	$30.35M	$-1.68M	$26.41M	$-3.60M	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Jan 5, 2021 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗
Net Interest Margin (approx.) (%)	3.5%	3.5%	3.4%	3.3%	3.2%	3.3%	3.1%	—	3.1%	—	—	—	3.4%	—	—	—	3.1%	3.3%	—	—	—	3.9%	—	—	—	—
Efficiency Ratio (%) (%)	38.6%	—	40.1%	41.0%	42.6%	—	43.4%	44.1%	44.5%	—	41.6%	39.4%	36.4%	—	35.1%	38.5%	39.8%	—	39.4%	47.6%	44.8%	—	38.6%	33.3%	38.2%	—

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Synced 1 week ago 7 years · 26 quarters

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