Five Star Bancorp (FSBC) vs Heritage Financial Corporation (HFWA)
A side-by-side comparison of Five Star Bancorp and Heritage Financial Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — FSBC vs HFWA
growth of $100 · dividends reinvested · last 10yFSBC vs HFWA: by the numbers
- •HFWA is the larger company ($1.15B vs $1.05B market cap).
- •FSBC trades at the lower trailing earnings multiple (12.92 vs 13.19 P/E), one valuation lens rather than an overall verdict.
- •FSBC converts more revenue to profit (25.88% vs 23.17% net margin).
- •FSBC grew revenue faster over the past five years (26.69% vs 5.82% CAGR).
- •HFWA pays the higher dividend yield (3.48% vs 2.19%).
Metrics side by side
Valuation
| Metric | FSBC | HFWA |
|---|---|---|
| P/E ratio | 12.92 | 13.19 |
| Forward P/E | 12.47 | 14.11 |
| PEG ratio | 2.31 | 1.51 |
| P/S ratio | 3.78 | 3.41 |
| P/B ratio | 2.22 | 1.03 |
Profitability
| Metric | FSBC | HFWA |
|---|---|---|
| Operating margin | 34.63% | 23.15% |
| Net margin | 25.88% | 23.17% |
| ROE | 15.20% | 7.02% |
Five Star Bancorp: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Heritage Financial Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | FSBC | HFWA |
|---|---|---|
| Dividend yield | 2.19% | 3.48% |
| Payout ratio | 28.11% | 45.97% |
Growth (annualized)
| Metric | FSBC | HFWA |
|---|---|---|
| Revenue CAGR (5Y) | 26.69% | 5.82% |
| EPS CAGR (5Y) | 5.59% | 9.06% |
| Total return CAGR (5Y) | 15.10% | 5.89% |
Frequently asked
- Which has the lower trailing P/E, FSBC or HFWA?
- FSBC has the lower trailing P/E: FSBC trades at 12.92 and HFWA at 13.19. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, FSBC or HFWA?
- Over the past five years, FSBC grew revenue faster — FSBC at a 26.69% CAGR versus HFWA at 5.82%.
- Does FSBC or HFWA pay a bigger dividend?
- FSBC yields 2.19% and HFWA yields 3.48% based on trailing dividends and the latest price.
- Is FSBC or HFWA more profitable?
- FSBC runs the higher net margin — FSBC at 25.88% versus HFWA at 23.17%.
- How have FSBC and HFWA total returns compared?
- Over the past 10 years, FSBC delivered 14.90% and HFWA delivered 8.02% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Five Star Bancorp & Heritage Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.