` FSBC (Five Star Bancorp) vs MTB (M&T Bank Corp) Comparison - Alpha Spread

FSBC
vs
MTB

Over the past 12 months, FSBC has underperformed MTB, delivering a return of 21% compared to the MTB's 31% growth.

Valuation Comparison

FSBC Intrinsic Value
38.59 USD
Undervaluation 26%
Intrinsic Value
Price
MTB Intrinsic Value
250.14 USD
Undervaluation 23%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Five Star Bancorp
NASDAQ:FSBC
28.46 USD
M&T Bank Corp
NYSE:MTB
193.78 USD

Financials Comparison

Growth Over Time
FSBC vs MTB

FSBC
MTB
Add Stock
Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Five Star Bancorp
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
FSBC vs MTB

FSBC
MTB
Add Stock
Free Cash Flow
www.alphaspread.com
Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Five Star Bancorp
NASDAQ:FSBC
M&T Bank Corp
NYSE:MTB
What is Free Cash Flow?

Gross Margin

FSBC
0%
MTB
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
M&T Bank Corp

Operating Margin

FSBC
0%
MTB
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
M&T Bank Corp

Net Margin

FSBC
36.2%
MTB
26.7%
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
M&T Bank Corp

FCF Margin

FSBC
50%
MTB
36.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
M&T Bank Corp

ROE

FSBC
13.8%
MTB
8.9%
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
M&T Bank Corp

ROA

FSBC
1.3%
MTB
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
M&T Bank Corp

ROIC

FSBC
0%
MTB
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
M&T Bank Corp

ROCE

FSBC
0%
MTB
0%
LTM 3Y Avg 5Y Avg 10Y Avg
Five Star Bancorp
M&T Bank Corp

Stocks Performance

Stocks Performance
FSBC vs MTB

Loading
FSBC
MTB
Add Stock
www.alphaspread.com
1Y 3Y 5Y 10Y 15Y 20Y

Performance Gap
FSBC vs MTB

Loading
FSBC
MTB
Difference
www.alphaspread.com
1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
FSBC vs MTB

Loading
FSBC
MTB
Add Stock
Unlock Full Access to Alpha Spread
Create Free Account
ALPHA SPREAD
Follow us
Join more than 264,400+ value investors using Alpha Spread
Create Free Account
or see our plans & pricing

Company

About Us Careers Pricing Affiliate Program Terms of Service Privacy Policy

Help

What is Intrinsic Value? Help Center Contact Us

Tools

Stock Screener Intrinsic Value Calculator DCF Value Calculator Discount Rate Calculator

Stocks

Most Undervalued Stocks Wide Economic Moat Stocks High Profitability Stocks High Solvency Stocks Most Popular Stocks

© 2025 Alpha Spread Limited. All Rights Reserved.

www.alphaspread.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on www.alphaspread.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. In no event shall Alpha Spread Limited be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on www.alphaspread.com, or relating to the use of, or inability to use, www.alphaspread.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance.