FSBC - FSB Bancorp Inc-NY Stock Price, Fair Value and News

23.41USD+0.57 (+2.50%)Delayed

Market Summary

USD23.41+0.57

Delayed

2.50%

FSBC Stock Price

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FSBC RSI Chart

FSBC Valuation

Market Cap

499.1M

Price/Earnings (Trailing)

11.04

Price/Sales (Trailing)

2.75

EV/EBITDA

1.81

Price/Free Cashflow

13.15

FSBC Price/Sales (Trailing)

FSBC Profitability

EBT Margin

34.73%

Return on Equity

15.45%

Return on Assets

1.3%

Free Cashflow Yield

7.6%

FSBC Fundamentals

FSBC Revenue

Revenue (TTM)

181.6M

Rev. Growth (Yr)

17.94%

Rev. Growth (Qtr)

2.95%

FSBC Earnings

Earnings (TTM)

45.2M

Earnings Growth (Yr)

-19.22%

Earnings Growth (Qtr)

-1.56%

Breaking Down FSBC Revenue

Last 7 days

3.9%

Last 30 days

9.2%

Last 90 days

-3.5%

Trailing 12 Months

21.9%

How does FSBC drawdown profile look like?

FSBC Financial Health

FSBC Investor Care

Dividend Yield

3.42%

Dividend/Share (TTM)

0.8

Shares Dilution (1Y)

23.53%

Diluted EPS (TTM)

2.63

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	181.6M	0	0	0
2023	135.4M	152.2M	165.6M	174.4M
2022	85.3M	92.0M	102.8M	117.9M
2021	76.6M	77.6M	80.0M	81.6M
2020	0	0	0	74.4M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of FSB Bancorp Inc-NY

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 28, 2024	lucas donna	bought	49,981	21.75	2,298	-
Mar 28, 2024	allbaugh larry eugene	bought	2,500,010	21.75	114,943	-
Mar 28, 2024	ramos kevin francis	bought	299,998	21.75	13,793	-
Mar 28, 2024	riggs judson teichert	bought	100,006	21.75	4,598	-
Mar 28, 2024	deary-bell shannon	bought	299,998	21.75	13,793	-
Mar 28, 2024	perry-smith robert truxtun	bought	1,750,000	21.75	80,460	-
Mar 28, 2024	allbaugh larry eugene	bought	499,989	21.75	22,988	-
Feb 07, 2024	allbaugh larry eugene	acquired	-	-	1,638	-
Feb 07, 2024	nickum david frank	acquired	-	-	1,638	-
Feb 07, 2024	ramirez-medina lydia ann	acquired	-	-	6,000	svp & coo & chief de&i officer

Which funds bought or sold FSBC recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	EJF Capital LLC	new	-	1,687,500	1,687,500	1.17%
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	added	0.85	-39,309	255,713	-%
May 15, 2024	WELLINGTON MANAGEMENT GROUP LLP	reduced	-22.42	-679,311	1,358,930	-%
May 15, 2024	TWO SIGMA ADVISERS, LP	reduced	-5.46	-89,844	389,250	-%
May 15, 2024	CAPTRUST FINANCIAL ADVISORS	reduced	-19.95	-3,556,820	7,842,890	0.03%
May 15, 2024	MILLENNIUM MANAGEMENT LLC	sold off	-100	-289,446	-	-%
May 15, 2024	Tower Research Capital LLC (TRC)	added	49.31	6,466	29,295	-%
May 15, 2024	Interval Partners, LP	new	-	450,000	450,000	0.01%
May 15, 2024	QUADRANT CAPITAL GROUP LLC	unchanged	-	-629	3,848	-%
May 15, 2024	MARSHALL WACE, LLP	new	-	450,002	450,002	-%

Are Funds Buying or Selling FSBC?

Are funds buying FSBC calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own FSBC

No. of Funds

Unveiling FSB Bancorp Inc-NY's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Apr 26, 2024	davis partnership, lp	5.4%	928,595	SC 13G/A
Apr 26, 2024	davis partnership, lp	5.9%	1,011,500	SC 13G/A
Apr 05, 2024	blackrock inc.	4.4%	917,295	SC 13G/A
Feb 14, 2024	oates-fairrington kathryn ruth	6.7%	1,161,387	SC 13G/A
Feb 14, 2024	t. rowe price investment management, inc.	8.0%	1,379,319	SC 13G
Jan 31, 2024	blackrock inc.	5.5%	947,953	SC 13G
Feb 14, 2023	price t rowe associates inc /md/	0.2%	32,505	SC 13G/A
Feb 14, 2023	t. rowe price investment management, inc.	8.2%	1,413,122	SC 13G
Nov 30, 2022	davis partnership, lp	5.1%	881,495	SC 13G
Feb 14, 2022	price t rowe associates inc /md/	5.8%	1,004,597	SC 13G

Recent SEC filings of FSB Bancorp Inc-NY

View All Filings

Date Filed	Form Type	Document
May 08, 2024	10-Q	Quarterly Report
Apr 30, 2024	8-K	Current Report
Apr 26, 2024	SC 13G/A	Major Ownership Report
Apr 26, 2024	SC 13G/A	Major Ownership Report
Apr 19, 2024	8-K	Current Report
Apr 16, 2024	8-K	Current Report
Apr 05, 2024	SC 13G/A	Major Ownership Report
Apr 03, 2024	DEFA14A	DEFA14A
Apr 03, 2024	DEF 14A	DEF 14A
Apr 03, 2024	ARS	ARS

Peers (Alternatives to FSB Bancorp Inc-NY)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

FSB Bancorp Inc-NY News

Latest updates

FSB Bancorp Inc-NY Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																	(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1
Revenue	2.9%	48.00	46.00	45.00	43.00	40.00	37.00	32.00	26.00	23.00	22.00	21.00	19.00	19.00	21.00	18.00	18.00	17.00
EBITDA Margin	-7.1%	0.95*	1.03*	1.12*	1.22*	1.33*	1.42*	1.49*	1.55*	1.55*	1.54*	1.50*	1.46*	-	-	-	-	-
Interest Expenses	0.2%	27.00	27.00	27.00	28.00	29.00	29.00	28.00	25.00	22.00	21.00	20.00	18.00	18.00	19.00	16.00	16.00	14.00
Income Taxes	-0.5%	4.00	4.00	5.00	4.00	5.00	5.00	5.00	4.00	4.00	1.00	2.00	1.00	0.00	0.00	0.00	0.00	0.00
Earnings Before Taxes	-1.3%	15.00	15.00	16.00	17.00	19.00	19.00	17.00	14.00	14.00	13.00	13.00	11.00	11.00	10.00	10.00	10.00	7.00
EBT Margin	-9.1%	0.35*	0.38*	0.42*	0.47*	0.50*	0.53*	0.55*	0.58*	0.59*	0.58*	0.55*	0.52*	-	-	-	-	-
Net Income	-1.6%	11.00	11.00	11.00	13.00	13.00	13.00	12.00	10.00	10.00	11.00	11.00	10.00	10.00	9.00	9.00	10.00	7.00
Net Income Margin	-9.1%	0.25*	0.27*	0.30*	0.33*	0.36*	0.38*	0.42*	0.46*	0.49*	0.52*	0.51*	0.50*	-	-	-	-	-
Free Cashflow	107.7%	0.00	-1.82	15.00	25.00	0.00	18.00	16.00	8.00	3.00	4.00	3.00	13.00	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet														(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4
Assets	-3.2%	3,476	3,593	3,505	3,403	3,397	3,227	3,075	2,836	2,778	2,557	2,434	2,328	2,151	1,954
Cash Equivalents	-42.4%	185	322	324	300	348	260	318	271	505	425	531	537	435	290
Net PPE	-3.3%	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00
Liabilities	-3.7%	3,184	3,307	3,231	3,134	3,137	2,974	2,835	2,603	2,547	2,322	2,208	2,110	2,019	1,820
Shareholder's Equity	2.4%	293	286	274	269	261	253	239	233	231	235	227	218	131	134
Retained Earnings	9.3%	84.00	77.00	70.00	62.00	53.00	-46.74	36.00	27.00	20.00	17.00	8.00	-	22.00	22.00
Shares Outstanding	0.6%	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	-	-
Float	-	-	-	-	289	-	-	-	334	-	-	-	301	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																	(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1
Cashflow From Operations	115.1%	247	-1,633	14,926	24,927	694	18,469	16,174	7,846	3,486	3,968	2,920	13,168	8,601	30,347	-1,680	26,409	-3,601
Share Based Compensation	7.0%	299	280	200	200	242	261	300	300	277	190	200	1,000	100	64.00	123	65.00	64.00
Cashflow From Investing	83.3%	-11,923	-71,573	-80,521	-58,625	-68,559	-207,481	-198,244	-297,684	-133,513	-224,384	-108,217	-69,802	-52,608	33,817	-80,886	-262,772	-62,789
Cashflow From Financing	-274.9%	-124,575	71,234	89,020	-14,118	155,813	131,334	228,981	55,632	209,662	114,913	99,525	158,646	188,106	-115,063	-61,106	536,821	73,630
Dividend Payments	-100.0%	-	3,452	3,451	3,451	2,589	2,588	2,586	2,587	7,540	2,583	2,584	-	11,003	-	-	-	-
Buy Backs	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

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FSBC Income Statement

2024-03-31

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and fee income:
Loans, including fees	$ 43,786	$ 37,494
Taxable securities	477	466
Nontaxable securities	176	184
Interest-bearing deposits in banks	3,102	2,167
Total interest and fee income	47,541	40,311
Interest expense:
Deposits	19,511	9,378
Subordinated notes	1,161	1,161
Other borrowings	125	624
Total interest expense	20,797	11,163
Net interest income	26,744	29,148
Provision for credit losses	900	900
Net interest income after provision for credit losses	25,844	28,248
Non-interest income:
Service charges on deposit accounts	188	117
Gain on sale of loans	369	598
Loan-related fees	429	308
FHLB stock dividends	332	193
Earnings on BOLI	142	102
Other	373	53
Total non-interest income	1,833	1,371
Non-interest expense:
Salaries and employee benefits	7,577	6,618
Occupancy and equipment	626	523
Data processing and software	1,157	872
FDIC insurance	400	402
Professional services	707	631
Advertising and promotional	460	418
Loan-related expenses	297	255
Other operating expenses	1,492	1,399
Total non-interest expense	12,716	11,118
Income before provision for income taxes	14,961	18,501
Provision for income taxes	4,330	5,340
Net income	$ 10,631	$ 13,161
Basic earnings per common share (in USD per share)	$ 0.62	$ 0.77
Diluted earnings per common share (in USD per share)	$ 0.62	$ 0.77

FSBC Balance Sheet

2024-03-31

CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from financial institutions	$ 29,750	$ 26,986
Interest-bearing deposits in banks	155,575	294,590
Cash and cash equivalents	185,325	321,576
Time deposits in banks	5,878	5,858
Securities available-for-sale, at fair value, net of allowance for credit losses of $0 at March 31, 2024 and December 31, 2023 (amortized cost of $122,667 and $124,788 at March 31, 2024 and December 31, 2023, respectively)	105,006	108,083
Securities held-to-maturity, at amortized cost, net of allowance for credit losses of $20 at March 31, 2024 and December 31, 2023 (fair value of $2,828 and $2,913 at March 31, 2024 and December 31, 2023, respectively)	3,000	3,077
Loans held for sale	10,243	11,464
Loans held for investment	3,104,130	3,081,719
Allowance for credit losses - loans	(34,653)	(34,431)
Loans held for investment, net of allowance for credit losses	3,069,477	3,047,288
FHLB stock	15,000	15,000
Operating leases, right-of-use asset, net	6,932	5,284
Premises and equipment, net	1,569	1,623
Bank-owned life insurance	18,872	17,180
Interest receivable and other assets	55,058	56,692
Total assets	3,476,360	3,593,125
Deposits:
Non-interest-bearing	817,388	831,101
Interest-bearing	2,138,384	2,195,795
Total deposits	2,955,772	3,026,896
Subordinated notes, net	73,786	73,749
Other borrowings	120,000	170,000
Operating lease liability	7,320	5,603
Interest payable and other liabilities	26,902	31,103
Total liabilities	3,183,780	3,307,351
Commitments and contingencies (Note 8)
Shareholders’ equity:
Preferred stock, no par value; 10,000,000 shares authorized; zero issued and outstanding at March 31, 2024 and December 31, 2023	0	0
Common stock, no par value; 100,000,000 shares authorized; 17,353,251 shares issued and outstanding at March 31, 2024; 17,256,989 shares issued and outstanding at December 31, 2023	220,804	220,505
Retained earnings	84,216	77,036
Accumulated other comprehensive loss, net of taxes	(12,440)	(11,767)
Total shareholders’ equity	292,580	285,774
Total liabilities and shareholders’ equity	$ 3,476,360	$ 3,593,125

About FSB Bancorp Inc-NY

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, noninterest-bearing and interest checking accounts, savings accounts, and time deposits. The company's loan products include commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans. It also offers debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. The company was founded in 1999 and is headquartered in Rancho Cordova, California.

CEO	Mr. James Eugene Beckwith
WEBSITE	fivestarbank.com
INDUSTRY	Banks Diversified
EMPLOYEES	178

FSB Bancorp Inc-NY Frequently Asked Questions

What is the ticker symbol for FSB Bancorp Inc-NY? What does FSBC stand for in stocks?

FSBC is the stock ticker symbol of FSB Bancorp Inc-NY. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of FSB Bancorp Inc-NY (FSBC)?

As of Fri May 17 2024, market cap of FSB Bancorp Inc-NY is 499.1 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of FSBC stock?

You can check FSBC's fair value in chart for subscribers.

What is the fair value of FSBC stock?

You can check FSBC's fair value in chart for subscribers. The fair value of FSB Bancorp Inc-NY is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of FSB Bancorp Inc-NY is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for FSBC so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is FSB Bancorp Inc-NY a good stock to buy?

The fair value guage provides a quick view whether FSBC is over valued or under valued. Whether FSB Bancorp Inc-NY is cheap or expensive depends on the assumptions which impact FSB Bancorp Inc-NY's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for FSBC.

What is FSB Bancorp Inc-NY's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, FSBC's PE ratio (Price to Earnings) is 11.04 and Price to Sales (PS) ratio is 2.75. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. FSBC PE ratio will change depending on the future growth rate expectations of investors.