COMP <GO>
FSBC vs MS // ALTMAN Z-SCORE & DEBT/EQUITY
Five Star Bancorp (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: FSBC 3
— MS 3
■ METRIC PARITY
LAST: $45.76 (-0.17%) • MKT CAP: $1.12B
balance-sheet
—
LAST: $190.00 (-0.07%) • MKT CAP: $298.41B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FSBC VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FSBC | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 13.80% | 3.00% | +10.80 | FSBC | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.36% | -7.25% | +13.61 | FSBC | /fcf-yield <GO> |
| Operating Margin | — | 24.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 20.20% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 5.50% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.52% | 2.21% | -0.69 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.7 | 51.0 | +11.70 | FSBC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 16.9x | 16.5x | +0.40 | MS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.12B | $298.41B | -$297.28B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FSBC REV | MS REV | FSBC GROSS % | MS GROSS % | FSBC FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $71.4M | -$17.89B |
| FY 2024 | $0 | $0 | — | — | $51.2M | $1.36B |
| FY 2023 | $0 | $0 | — | — | $38.9M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FSBC // BETA —
MS // BETA 1.04