FSBC
Five Star Bancorp
FSBC has slightly lower modeled downside risk, despite its lower overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over FSBC overall, supported by stronger valuation.
FSBC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
FSBC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FSBC.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
FSBC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.1x | $28.53 | -36% |
| Fair | 12x | $40.74 | -8% |
| Forward | 12x | $44.30 | — |
| Current | 13x | $44.30 | — |
| Expensive | 14x | $47.69 | +7.7% |
Historical ranges are pointers, not guarantees.
FSBC has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
FSBC Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for FSBC, but weaker profitability.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over FSBC on the outlook, with more favorable profitability expectations.
FSBC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.61 | +2.4% |
| Q3 2026 | $3.53 | +32% |
| Q2 2026 | $3.38 | +39% |
| Q1 2026 | $3.15 | +39% |
| Q4 2025 | $2.90 | +28% |
| Q3 2025 | $2.68 | +18% |
| Q2 2025 | $2.43 | +1.3% |
| Q1 2025 | $2.26 | -14% |
| Q4 2024 | $2.26 | -19% |
FSBC earned $3.53 per share over the past year, up 32% from the year before.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over FSBC on earnings, with more consistent year-over-year improvement.
FSBC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $52.6M | +27% |
| Q2 2026 | $48M | +25% |
| Q1 2026 | $45.1M | +28% |
| Q4 2025 | $43.5M | +24% |
| Q3 2025 | $41.3M | +30% |
| Q2 2025 | $38.3M | +25% |
| Q1 2025 | $35.3M | +24% |
| Q4 2024 | $35.2M | +23% |
FSBC has the edge over GS on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 56% | +2.3 points |
| Q2 2026 | 54% | +2 points |
| Q1 2026 | 56% | +3.5 points |
| Q4 2025 | 53% | -2.2 points |
| Q3 2025 | 54% | +5.8 points |
| Q2 2025 | 52% | +3 points |
| Q1 2025 | 52% | -0.3 points |
| Q4 2024 | 55% | +2.1 points |
FSBC has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
FSBC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $26.1M | +41% |
| Q2 2026 | $23.2M | +32% |
| Q1 2026 | $18.8M | +22% |
| Q4 2025 | $19.9M | +11% |
| Q3 2025 | $18.6M | +7.3% |
| Q2 2025 | $17.5M | +11% |
| Q1 2025 | $15.4M | +10959% |
| Q4 2024 | $17.9M | +$19.7M |
FSBC has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
FSBC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +11% | +2.4M shares |
| 1 year | +11% | +2.4M shares |
| 3 years | +38% | +6.5M shares |
| 5 years | +38% | +6.6M shares |
FSBC has 24M diluted shares, up 11% from a year ago.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over FSBC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
FSBC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2025 | 0.3x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.6x | Very low |
| Q3 2024 | 0.5x | Very low |
| Q2 2024 | 0.7x | Very low |
| Q1 2024 | 2.5x | Moderate |
| Q4 2023 | 3.2x | Elevated |
| Q3 2023 | 1.9x | Healthy |
FSBC's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like FSBC.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
FSBC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.6 | Neutral |
| Stochastic | 42.9 | Neutral |
FSBC's weekly RSI is 52 (neutral) and its Stochastic is 43 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
FSBC PE vs Financial Services Sector
| Metric | FSBC | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 3.6% below |
| PE % | 62 | 65 | 3 pts below |
FSBC has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
FSBC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $43.8 | 1.1% above |
| 20 week MA | $45.6 | 2.8% below |
| 50 week MA | $42.1 | 5.3% above |
| 100 week MA | $36.2 | 23% above |
| 200 week MA | $30.3 | 46% above |
FSBC has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
FSBC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $24.9 | $29.0 | +16% |
| 2022 | $29.0 | $27.4 | -5.5% |
| 2023 | $27.4 | $26.2 | -4.5% |
| 2024 | $26.2 | $30.2 | +15% |
| 2025 | $30.2 | $36.5 | +21% |
| 2026 YTD | $36.5 | $44.3 | +21% |
FSBC has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.