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Try Stocky free →Cautious. FSBC's 59/100 Growth Compounder score reflects modest mid-single-digit loan growth, but weak Leadership Alignment (36/100) and structural vulnerabilities limit upside. Heavy concentration in Northern California real estate (57% of portfolio) and reliance on small-business borrowers with limited recession buffers create material downside risk that a reasonable 13.0× forward P/E doesn't fully compensate for.
Every stock is scored across six proprietary dimensions built for retail investors who want Buffett-quality analysis without a Bloomberg subscription. Here's the actual snapshot for FSBC:
Quality + moat + leadership + valuation + sentiment fused into a single 0–100 number. When you see 44/100, you know instantly whether to dig deeper or skip.
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Stocky rates FSBC (FSBC) at 44/100 — below the bar Stocky looks for. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Cautious. FSBC's 59/100 Growth Compounder score reflects modest mid-single-digit loan growth, but weak Leadership Alignment (36/100) and structural vulnerabilities limit upside. Heavy concentration in Northern California real estate (57
FSBC's current Stocky Verdict is 44/100, placing it in the "Cautious" band. This composite combines a 59/100 Compounder score, 46/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for FSBC yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
FSBC scores 46/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
FSBC's Vulnerability Profile scores 33/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to FSBC.
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