Five Star Bancorp (FSBC) vs Jefferson Capital, Inc. Common Stock (JCAP)
A side-by-side comparison of Five Star Bancorp and Jefferson Capital, Inc. Common Stock 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 JCAP
growth of $100 · dividends reinvested · last 1yFSBC vs JCAP: by the numbers
- •JCAP is the larger company ($1.22B vs $1.06B market cap).
- •FSBC converts more revenue to profit (25.88% vs 23.50% net margin).
- •JCAP grew revenue faster over the past five years (54.92% vs 26.69% CAGR).
- •JCAP pays the higher dividend yield (4.88% vs 2.19%).
Metrics side by side
Valuation
| Metric | FSBC | JCAP |
|---|---|---|
| P/E ratio | 12.96 | N/A |
| Forward P/E | 12.52 | 6.68 |
| PEG ratio | 2.32 | N/A |
| P/S ratio | 3.80 | 1.85 |
| P/B ratio | 2.23 | 2.57 |
Profitability
| Metric | FSBC | JCAP |
|---|---|---|
| Operating margin | 34.63% | 51.61% |
| Net margin | 25.88% | 23.50% |
| ROE | 15.20% | 32.55% |
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.
Jefferson Capital, Inc. Common Stock: 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 | JCAP |
|---|---|---|
| Dividend yield | 2.19% | 4.88% |
| Payout ratio | 28.11% | N/A |
Growth (annualized)
| Metric | FSBC | JCAP |
|---|---|---|
| Revenue CAGR (5Y) | 26.69% | 54.92% |
| EPS CAGR (5Y) | 5.59% | 20.35% |
| Total return CAGR (5Y) | 15.10% | N/A |
Frequently asked
- Which has grown faster, FSBC or JCAP?
- Over the past five years, JCAP grew revenue faster — FSBC at a 26.69% CAGR versus JCAP at 54.92%.
- Does FSBC or JCAP pay a bigger dividend?
- FSBC yields 2.19% and JCAP yields 4.88% based on trailing dividends and the latest price.
- Is FSBC or JCAP more profitable?
- FSBC runs the higher net margin — FSBC at 25.88% versus JCAP at 23.50%.
Go deeper
Dig into the metrics
Five Star Bancorp & Jefferson Capital, Inc. Common Stock 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.