Capitol Federal Financial (CFFN) vs Five Star Bancorp (FSBC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Five Star Bancorp (FSBC) has outperformed Capitol Federal Financial (CFFN) over the past year, gaining 33.4% versus a gain of 32.2%. Over five years, FSBC leads with a +68.8% price change compared with -28.9% for CFFN. Five Star Bancorp is the larger company by market cap ($1.04 billion vs $1.03 billion), about 1.0 times the size.
On valuation, Capitol Federal Financial trades at a lower forward P/E (10.8x vs 11.4x for Five Star Bancorp). Capitol Federal Financial offers the higher dividend yield (4.05% vs 2.25%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CFFN | FSBC |
|---|---|---|
| Share price | $8.39 | $42.22 |
| Market cap | $1.03B | $1.04B |
| 1-day change | -0.42% | -0.31% |
| YTD return | +23.64% | +18.36% |
| 1-year return | +32.18% | +33.39% |
| 5-year return | -28.95% | +68.79% |
| P/E ratio (TTM) | 12.90 | 12.49 |
| Forward P/E | 10.82 | 11.36 |
| EPS (TTM) | $0.65 | $3.38 |
| Dividend yield | 4.05% | 2.25% |
| Annual dividend | $0.34 | $0.95 |
| 52-week high | $9.26 | $50.26 |
| 52-week low | $5.97 | $30.68 |
| Distance from 52-week high | -9.45% | -16.00% |
| Analyst consensus | none | buy |
| Avg. price target upside | +13.30% | +22.69% |
| Average volume | 889.53K | 193.47K |
| Shares outstanding | 123.37M | 24.54M |
| Employees | 604 | 233 |
| Sector | Finance | Finance |
| Industry | Savings Institutions | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Capitol Federal Financial offers a meaningfully higher dividend yield (4.05% vs 2.25%).
About Capitol Federal Financial
CFFN stock →Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States.
Finance · Savings Institutions · 604 employees
About Five Star Bancorp
FSBC stock →Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits.
Finance · Major Banks · 233 employees
CFFN vs FSBC FAQ
Which is bigger, Capitol Federal Financial or Five Star Bancorp?
Five Star Bancorp (FSBC) is larger, with a market capitalization of $1.04B compared with $1.03B for Capitol Federal Financial (CFFN).
Which stock has performed better over the past year, CFFN or FSBC?
FSBC returned +33.39% over the past 12 months, compared with +32.18% for CFFN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CFFN or FSBC?
FSBC has the lower trailing P/E at 12.5, versus 12.9 for CFFN. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Capitol Federal Financial or Five Star Bancorp?
Capitol Federal Financial has the higher yield at 4.05%, compared with 2.25% for Five Star Bancorp.
Are Capitol Federal Financial and Five Star Bancorp in the same industry?
Both are in the Finance sector, but in different industries: Savings Institutions for Capitol Federal Financial and Major Banks for Five Star Bancorp.