Five Star Bancorp (FSBC)
Financial Analysis and Rating
Comparison Analysis Based on SEC Data
Financial Position and Performance
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Financial Data Source and Analysis Principles
The above is a comparative analysis of the company's financial position and performance. The comparison is based
on official financial statements filed with the U.S. Securities and Exchange Commission (SEC) through the Electronic Data Gathering,
Analysis, and Retrieval system (EDGAR) (about 10,000 largest publicly traded companies).
The comparison is made using the eleven key financial ratios (see the table above).
The company's financial ratios are compared with the median of the ratios for all companies and for companies
in the same industry, as well as to the quartiles of these ratios.
Each ratio value is assigned a score between -2 and +2 depending on its position relative to the quartiles
(-2 – below the first quartile; -1 – between the first and the second quartile;
+1 – between the second and the third quartile; +2 – above the third quartile;
0 – the ratio value deviates from the median by no more than 5% of the difference between the median and
the quartile closest to the ratio value).
To draw a conclusion from the analysis, the individual scores are weighted equally to produce an overall score ranging from -2 and +2.
"Change during the year" calculation
|much better (+1 - +2incl)
|better (from 0.11 to +1incl)
|about the same (from -0.11incl to +0.11incl)
|worse (from -1incl to -0.11)
|much worse (from -2incl to -1)
Change during the year is calculated by comparing the resulting score of financial position within the industry with the last year's (quarter's) score.
The result of the comparison may be as follows:
|significantly improved (positive change of more than 1 point)
|improved (positive change of less than 1 point)
|unchanged (little or no change in score, no more than 0.11 points)
|deteriorated (the score has decreased by less than 1 point during the year)
|deteriorated significantly (the score has decreased by more than 1 point during the year)
Please note that this analysis does not indicate that the company's financial position is good or bad, but rather describes it in comparison to other U.S. businesses.
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