JCAP vs FSBC

Comparison between Jefferson Capital Inc (JCAP, Company) and Five Star Bancorp (FSBC, Company).

Both JCAP and FSBC are from the Financial Services sector.

JCAP vs FSBC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	JCAP(COMPANY)	FSBC(COMPANY)
Market Cap	$960M	$959M
Max Drawdown	33.59%	42.95%
Sharpe Ratio	0.02	2.16
5Y Beta	1.01	0.77
Industry	Credit Services	Banks - Regional
P/E Ratio	6.19	14.29
PEG Ratio	N/A	0.37
Dividend Yield	4.14%	2.04%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	26.61%	7.80%

Market Cap

Winner

JCAP

$960M

FSBC

$959M

Max Drawdown

Winner

JCAP

33.59%

FSBC

42.95%

Sharpe Ratio

JCAP

0.02

Winner

FSBC

2.16

5Y Beta

JCAP

1.01

Winner

FSBC

0.77

Industry

JCAP

Credit Services

FSBC

Banks - Regional

P/E Ratio

Winner

JCAP

6.19

FSBC

14.29

PEG Ratio

JCAP

N/A

FSBC

0.37

Dividend Yield

Winner

JCAP

4.14%

FSBC

2.04%

Debt to Equity

JCAP

0.00%

FSBC

0.00%

Free Cash Flow Yield

Winner

JCAP

26.61%

FSBC

7.80%

JCAP vs FSBC - Historical Returns

Returns include dividend reinvestment.

Period	JCAP	FSBC
1 month	+1.33%	+9.01%
3 months	-11.58%	+25.51%
6 months	-19.82%	+21.47%
1 year	-1.71%	+74.56%
5 years(CAGR)	N/A	+14.86%
Max(CAGR)	-1.75%	+20.44%

JCAP

+1.33%

Winner

FSBC

+9.01%

JCAP

-11.58%

Winner

FSBC

+25.51%

JCAP

-19.82%

Winner

FSBC

+21.47%

JCAP

-1.71%

Winner

FSBC

+74.56%

5Y(CAGR)

JCAP

N/A

FSBC

+14.86%

Max(CAGR)

JCAP

-1.75%

Winner

FSBC

+20.44%

JCAP vs FSBC - Annual Returns (2021 - 2026)

Returns include dividend reinvestment.

Year	JCAP	FSBC
2026	-19.50%	+28.22%
2025	+23.37%	+24.04%
2024	N/A	+16.12%
2023	N/A	-0.46%
2022	N/A	-9.53%
2021	N/A	+51.85%

JCAP vs FSBC Drawdown Comparison

The maximum drawdown for JCAP was -31.83%, occurring on Jun 3, 2026. This drawdown has not yet recovered.

The maximum drawdown for FSBC was -40.76%, occurring on May 11, 2023. Recovery took 662 trading sessions.

The current JCAP drawdown is -23.84%.

Rank	JCAP	FSBC
#1	-31.83% Jan 13, 2026 - Jun 3, 2026	-40.76% Dec 6, 2021 - Jul 26, 2024
#2	-14.37% Jun 27, 2025 - Aug 25, 2025	-24.53% Dec 11, 2024 - Aug 26, 2025
#3	-13.66% Aug 26, 2025 - Nov 10, 2025	-18.82% Jun 15, 2021 - Oct 29, 2021
#4	-10.51% Jan 5, 2026 - Jan 9, 2026	-13.07% Feb 6, 2026 - Apr 17, 2026
#5	-7.08% Nov 14, 2025 - Dec 11, 2025	-11.21% Oct 28, 2025 - Dec 11, 2025
#6	-3.74% Dec 26, 2025 - Jan 5, 2026	-10.51% Jul 26, 2024 - Aug 23, 2024
#7	-2.32% Nov 11, 2025 - Nov 13, 2025	-8.91% Sep 19, 2024 - Oct 16, 2024
#8	-1.76% Jan 9, 2026 - Jan 13, 2026	-8.11% May 20, 2021 - Jun 11, 2021
#9	-1.09% Dec 11, 2025 - Dec 16, 2025	-7.82% Sep 18, 2025 - Oct 21, 2025
#10	-0.90% Dec 16, 2025 - Dec 18, 2025	-7.02% Nov 29, 2021 - Dec 6, 2021
#11	-0.18% Dec 19, 2025 - Dec 23, 2025	-6.53% Dec 17, 2025 - Jan 21, 2026
#12	N/A	-5.70% Aug 23, 2024 - Sep 16, 2024
#13	N/A	-5.08% Oct 17, 2024 - Nov 6, 2024
#14	N/A	-4.31% Nov 19, 2021 - Nov 29, 2021
#15	N/A	-3.94% Jan 22, 2026 - Feb 2, 2026