COMP <GO>
FSBC vs BAC // ALTMAN Z-SCORE & DEBT/EQUITY
Five Star Bancorp (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: FSBC 4
— BAC 3
■ METRIC PARITY
LAST: $45.76 (-0.17%) • MKT CAP: $1.12B
balance-sheet
—
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FSBC VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FSBC | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.80% | 2.50% | +11.30 | FSBC | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 30.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.36% | 2.10% | +4.26 | FSBC | /fcf-yield <GO> |
| Operating Margin | — | 32.90% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 27.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 6.80% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.52% | 0.00% | +1.52 | FSBC | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 7/9 | -2.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.0 | 38.3 | +18.75 | FSBC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 16.9x | 10.9x | +6.00 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.12B | $357.61B | -$356.49B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FSBC REV | BAC REV | FSBC GROSS % | BAC GROSS % | FSBC FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $113.10B | — | — | $71.4M | $7.52B |
| FY 2024 | $0 | $105.86B | — | — | $51.2M | -$13.57B |
| FY 2023 | $0 | $102.77B | — | — | $38.9M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FSBC // BETA —
BAC // BETA 0.90