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

21.45USD+0.03 (+0.14%)Market Closed

Market Summary

USD21.45+0.03

Market Closed

0.14%

FSBC Alerts

6 major insider buys recently.

FSBC Stock Price

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FSBC RSI Chart

FSBC Valuation

Market Cap

372.2M

Price/Earnings (Trailing)

7.8

Price/Sales (Trailing)

2.13

EV/EBITDA

0.28

Price/Free Cashflow

9.73

FSBC Price/Sales (Trailing)

FSBC Profitability

EBT Margin

38.20%

Return on Equity

16.7%

Return on Assets

1.33%

Free Cashflow Yield

10.28%

FSBC Fundamentals

FSBC Revenue

Revenue (TTM)

174.4M

Rev. Growth (Yr)

23.47%

Rev. Growth (Qtr)

2.4%

FSBC Earnings

Earnings (TTM)

47.7M

Earnings Growth (Yr)

-18.69%

Earnings Growth (Qtr)

-2.23%

Breaking Down FSBC Revenue

Last 7 days

-3.3%

Last 30 days

-5.5%

Last 90 days

-13.1%

Trailing 12 Months

6.9%

How does FSBC drawdown profile look like?

FSBC Financial Health

FSBC Investor Care

Dividend Yield

3.5%

Dividend/Share (TTM)

0.75

Shares Dilution (1Y)

0.55%

Diluted EPS (TTM)

2.78

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
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
Apr 10, 2024	Cox Capital Mgt LLC	added	2.78	-236,020	1,787,150	1.10%
Apr 05, 2024	GAMMA Investing LLC	added	68.00	349	945	-%
Apr 05, 2024	CWM, LLC	new	-	-	-	-%
Mar 11, 2024	VANGUARD GROUP INC	added	1.4	3,463,580	14,175,000	-%
Mar 01, 2024	GOLDMAN SACHS GROUP INC	new	-	425,110	425,110	-%
Feb 28, 2024	AMERICAN INTERNATIONAL GROUP, INC.	reduced	-0.38	38,392	166,295	-%
Feb 16, 2024	PRICE T ROWE ASSOCIATES INC /MD/	added	0.58	208,000	874,000	-%
Feb 16, 2024	PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO	unchanged	-	15,450	65,450	-%
Feb 15, 2024	Davis Asset Management, L.P.	added	102	32,902,100	52,962,100	1.29%
Feb 15, 2024	BARCLAYS PLC	added	380	429,000	511,000	-%

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

FSBC Alerts

6 major insider buys recently.

Unveiling FSB Bancorp Inc-NY's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
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
Feb 09, 2022	oates-fairrington kathryn ruth	6.7%	1,151,387	SC 13G

Recent SEC filings of FSB Bancorp Inc-NY

View All Filings

Date Filed	Form Type	Document
Apr 05, 2024	SC 13G/A	Major Ownership Report
Apr 03, 2024	ARS	ARS
Apr 03, 2024	DEF 14A	DEF 14A
Apr 03, 2024	DEFA14A	DEFA14A
Apr 01, 2024	4	Insider Trading
Apr 01, 2024	4	Insider Trading
Apr 01, 2024	4	Insider Trading
Apr 01, 2024	4	Insider Trading
Apr 01, 2024	4	Insider Trading
Apr 01, 2024	4	Insider Trading

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	526.7B	171.1B	-3.91%	31.81%	10.63	3.08	60.72%	31.52%
BAC	283.0B	130.3B	1.52%	21.78%	10.67	2.17	79.51%	-3.68%
WFC	203.8B	85.7B	-0.94%	43.72%	10.65	2.38	41.49%	39.96%
C	111.9B	133.3B	1.65%	18.16%	12.13	0.84	79.09%	-
CFG	15.1B	10.2B	-1.49%	13.37%	9.41	1.48	44.53%	-22.43%
KEY	13.5B	7.9B	-0.41%	19.27%	13.93	1.7	46.47%	-49.56%
MID-CAP
CMA	6.7B	4.2B	2.75%	17.44%	7.65	1.61	56.25%	-23.46%
ZION	6.0B	3.9B	1.56%	34.92%	8.8	1.52	45.91%	-25.03%
ABCB	3.1B	1.3B	-1.16%	34.79%	11.56	2.43	43.24%	-22.35%
ASB	3.1B	2.0B	0.10%	12.49%	16.74	1.56	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	25.23%	-24.02%
ALRS	396.1M	164.9M	-4.97%	29.15%	33.87	2.4	42.66%	-70.76%
AROW	365.2M	162.6M	-7.04%	-2.86%	12.14	2.25	25.39%	-38.37%
ACNB	276.1M	96.6M	-8.72%	5.46%	8.71	2.86	11.02%	-11.37%
ASRV	39.4M	60.9M	-11.88%	-26.28%	-11.79	0.65	24.06%	-144.92%

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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1
Revenue	2.4%	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	-8.2%	1.03*	1.12*	1.22*	1.32*	1.41*	1.49*	1.55*	1.55*	1.54*	1.50*	1.46*	1.44*	-	-	-	-
Interest Expenses	-2.9%	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	-8.4%	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	-4.1%	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	-9.9%	0.38*	0.42*	0.47*	0.50*	0.53*	0.55*	0.58*	0.59*	0.58*	0.55*	0.52*	0.53*	-	-	-	-
Net Income	-2.2%	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	-9.7%	0.27*	0.30*	0.33*	0.36*	0.38*	0.42*	0.46*	0.49*	0.52*	0.51*	0.50*	0.51*	-	-	-	-
Free Cashflow	-112.3%	-1.82	15.00	25.00	0.00	18.00	16.00	8.00	3.00	4.00	3.00	13.00	8.00	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet													(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4
Assets	2.5%	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	-0.6%	322	324	300	348	260	318	271	505	425	531	537	435	290
Net PPE	3.8%	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	2.4%	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	4.3%	286	274	269	261	253	239	233	231	235	227	218	131	134
Retained Earnings	10.5%	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	0.0%	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	-	11.00
Float	-	-	-	289	-	-	-	334	-	-	-	301	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1
Cashflow From Operations	-110.9%	-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	39.8%	280	200	200	242	261	300	300	277	190	200	1,000	100	64.00	123	65.00	64.00
Cashflow From Investing	11.1%	-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	-20.0%	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	0.0%	3,452	3,451	3,451	2,589	2,588	2,586	2,587	7,540	2,583	2,584	-	11,003	-	-	-	-
Buy Backs	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

FSBC Income Statement

2023-12-31

CONSOLIDATED STATEMENTS OF INCOME - USD ($)	12 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($)	Dec. 31, 2023	Dec. 31, 2022
Interest and fee income:
Loans, including fees	$ 162,713,000	$ 111,795,000
Taxable securities	1,876,000	1,714,000
Nontaxable securities	724,000	713,000
Interest-bearing deposits in other banks	9,069,000	3,696,000
Total interest and fee income	174,382,000	117,918,000
Interest expense:
Deposits	57,861,000	10,923,000
FHLB advances	995,000	185,000
Subordinated notes	4,646,000	3,740,000
Total interest expense	63,502,000	14,848,000
Net interest income	110,880,000	103,070,000
Provision for credit losses	4,000,000	6,700,000
Net interest income after provision for credit losses	106,880,000	96,370,000
Non-interest income:
Service charges on deposit accounts	575,000	467,000
Net gain (loss) on sale of securities	(167,000)	5,000
Gain on sale of loans	1,952,000	2,934,000
Loan-related fees	1,719,000	2,207,000
FHLB stock dividends	970,000	546,000
Earnings on BOLI	510,000	412,000
Other	1,952,000	586,000
Total non-interest income	7,511,000	7,157,000
Non-interest expense:
Salaries and employee benefits	27,097,000	22,571,000
Occupancy and equipment	2,218,000	2,059,000
Data processing and software	4,015,000	3,091,000
FDIC insurance	1,557,000	850,000
Professional services	2,575,000	2,467,000
Advertising and promotional	2,403,000	1,908,000
Loan-related expenses	1,192,000	1,287,000
Other operating expenses	6,718,000	6,436,000
Total non-interest expense	47,775,000	40,669,000
Income before provision for income taxes	66,616,000	62,858,000
Provision for income taxes	18,882,000	18,057,000
Net income	$ 47,734,000	$ 44,801,000
Basic earnings per common share (in USD per share)	$ 2.78	$ 2.61
Diluted earnings per common share (in USD per share)	$ 2.78	$ 2.61

FSBC Balance Sheet

2023-12-31

CONSOLIDATED BALANCE SHEETS - USD ($)	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from financial institutions	$ 26,986,000	$ 32,561,000
Interest-bearing deposits in banks	294,590,000	227,430,000
Cash and cash equivalents	321,576,000	259,991,000
Time deposits in banks	5,858,000	9,849,000
Securities available-for-sale, at fair value, net of allowance for credit losses of $0 at December 31, 2023 and 2022 (amortized cost of $124,788 and $135,087 at December 31, 2023 and 2022, respectively)	108,083,000	115,988,000
Securities held-to-maturity, at amortized cost, net of allowance for credit losses of $20 at December 31, 2023 and $0 at December 31, 2022 (fair value of $2,913 and $3,432 at December 31, 2023 and 2022, respectively)	3,077,000	3,756,000
Loans held for sale	11,464,000	9,416,000
Loans held for investment	3,081,719,000	2,791,326,000
Allowance for credit losses - loans	(34,431,000)	(28,389,000)
Loans held for investment, net of allowance for credit losses	3,047,288,000	2,762,937,000
FHLB stock	15,000,000	10,890,000
Operating leases, right-of-use asset, net	5,284,000	3,981,000
Premises and equipment, net	1,623,000	1,605,000
Bank-owned life insurance	17,180,000	14,669,000
Interest receivable and other assets	56,692,000	34,077,000
Total assets	3,593,125,000	3,227,159,000
Deposits:
Non-interest-bearing	831,101,000	971,246,000
Interest-bearing	2,195,795,000	1,810,758,000
Total deposits	3,026,896,000	2,782,004,000
FHLB advances	170,000,000	100,000,000
Subordinated notes, net	73,749,000	73,606,000
Operating lease liability	5,603,000	4,243,000
Interest payable and other liabilities	31,103,000	14,481,000
Total liabilities	3,307,351,000	2,974,334,000
Commitments and contingencies (Note 15)
Shareholders’ equity
Preferred stock, no par value; 10,000,000 shares authorized; zero issued and outstanding at December 31, 2023 and 2022, respectively	0	0
Common stock, no par value; 100,000,000 shares authorized; 17,256,989 shares issued and outstanding at December 31, 2023; 17,241,926 shares issued and outstanding at December 31, 2022	220,505,000	219,543,000
Retained earnings	77,036,000	46,736,000
Accumulated other comprehensive loss, net	(11,767,000)	(13,454,000)
Total shareholders’ equity	285,774,000	252,825,000
Total liabilities and shareholders’ equity	$ 3,593,125,000	$ 3,227,159,000

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 Mon Apr 15 2024, market cap of FSB Bancorp Inc-NY is 372.23 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 Mon Apr 15 2024, FSBC's PE ratio (Price to Earnings) is 7.8 and Price to Sales (PS) ratio is 2.13. 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.