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Five Star
(NASDAQ:FSBC)
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Rating:74Outperform
Price Target:
$50.00
▲(11.36% Upside)
Action:Reiterated
Date:10/27/26
FSBC scores well overall on strong fundamentals and a positive earnings outlook (profitability, improving capital/leverage, and supportive margin/loan-growth commentary), while the score is held back by mixed technical signals (negative MACD and overbought stochastic) and some fundamental watch-items (margin compression and softer TTM cash flow). Valuation and dividend are reasonable and provide moderate support.
Positive Factors
Loan Growth
Strong loan expansion is increasing the earning-asset base and supporting revenue growth. Management’s continued 10%-12% outlook indicates that growth is being driven by a sustained pipeline and market expansion rather than a single quarter’s performance.
Negative Factors
Funding Cost Pressure
Rising deposit costs can compress net interest income even while loans grow, particularly when competition forces the bank to pay more for liquidity. This creates an ongoing margin risk and may limit how much loan repricing benefits earnings.
Read all positive and negative factors
Positive Factors
Negative Factors
Loan Growth
Strong loan expansion is increasing the earning-asset base and supporting revenue growth. Management’s continued 10%-12% outlook indicates that growth is being driven by a sustained pipeline and market expansion rather than a single quarter’s performance.
Read all positive factors
Five Star (FSBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.09B
Dividend Yield2.13%
Average Volume (3M)183.10K
Price to Earnings (P/E)13.1
Beta (1Y)0.80
Revenue Growth18.89%
EPS Growth38.49%
CountryUS
Employees233
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.39
Shares Outstanding24,536,613
10 Day Avg. Volume120,854
30 Day Avg. Volume183,096
Financial Highlights & Ratios
PEG Ratio0.44
Price to Book (P/B)1.70
Price to Sales (P/S)2.97
P/FCF Ratio10.63
Enterprise Value/Market Cap0.99
Enterprise Value/Revenue3.88
Enterprise Value/Gross Profit6.42
Enterprise Value/Ebitda10.91
Forecast
1Y Price Target
$55.00Price Target Upside22.49% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.5
Revenue Forecast (FY)$197.41M
Five Star Business Overview & Revenue Model
Company Description
Five Star Bancorp serves as the holding company for Five Star Bank, delivering a full spectrum of banking products and services. The institution caters to a diverse clientele, including small and medium-sized businesses, professionals, and individ...
Five Star Earnings Call Summary
Earnings Call Date:Oct 26, 2026
(Q3-2026)
| % Change Since: |
Next Earnings Date:Feb 01, 2027
Earnings Call Sentiment Positive
The call was strongly positive overall. Management reported higher net income, pretax pre-provision income, net interest income, net interest margin, loans, liquidity and capital, along with improved efficiency and stable credit quality. The company also continued expanding across California and maintained positive loan growth guidance. Offsetting factors included lower return on average equity, modest share dilution, higher deposit funding costs, lower noninterest income, increased expenses, competitive pricing pressure, a slowdown in acquisition financing and continued economic and rate uncertainty.Positive Updates
Net Income and Profitability Growth
Q3 2026 net income increased to $21.9 million from $19.4 million in Q2 2026, up 13% quarter-over-quarter. Pretax pre-provision income rose to $32 million from $28.3 million, also up 13%.
Negative Updates
Return on Average Equity Declined
Return on average equity declined to 15.04% from 16.67% in Q2 2026, reflecting the impact of the public offering and the resulting increase in equity.
Read all updates
Q3-2026 Updates
Positive
Negative
Net Income and Profitability Growth
Q3 2026 net income increased to $21.9 million from $19.4 million in Q2 2026, up 13% quarter-over-quarter. Pretax pre-provision income rose to $32 million from $28.3 million, also up 13%.
Read all positive updates
Company Guidance
Management said it was “pretty comfortable with the margin from 3.65% to 3.75%,” expects funding costs to go up “in the next few quarters,” and is “guiding 10% to 12% in Q4 and probably 10% to 12% for 2027” for loan growth; new relationships with noninterest-bearing transactional balances and liquidity balances may be priced “with a 2 handle, blended, maybe high 2s,” while loan repricing is expected to support yields “probably for the next 3 or 4 quarters,” including about $135 million of 5-year loans repricing in the current quarter from a weighted average rate of 4.27% and about $694 million repricing next year from a weighted average rate of 5%, with manufactured home loans repricing to 6.75% to 7.25%; for expenses, management said adding about $200,000 for Q4 2026 would likely be appropriate and expects expenses to remain between 1.45% to 1.50% of average assets.Five Star Financial Statement Overview
Summary
Income Statement
77
Positive
Balance Sheet
82
Very Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 278.25M | 255.47M | 212.20M | 180.70M | 123.79M | 87.82M |
| Gross Profit | 168.04M | 148.74M | 118.01M | 113.20M | 102.24M | 82.15M |
| EBITDA | 98.84M | 86.78M | 66.60M | 68.23M | 64.49M | 47.76M |
| Net Income | 72.01M | 61.61M | 45.67M | 47.73M | 44.80M | 42.44M |
Balance Sheet | ||||||
| Total Assets | 5.38B | 4.75B | 4.05B | 3.59B | 3.23B | 2.56B |
| Cash, Cash Equivalents and Short-Term Investments | 136.55M | 564.86M | 454.66M | 435.52M | 385.83M | 588.60M |
| Total Debt | 74.11M | 85.91M | 80.75M | 249.35M | 177.85M | 28.39M |
| Total Liabilities | 4.90B | 4.31B | 3.66B | 3.31B | 2.97B | 2.32B |
| Stockholders Equity | 473.77M | 445.83M | 396.62M | 285.77M | 252.82M | 235.05M |
Cash Flow | ||||||
| Free Cash Flow | 80.49M | 71.42M | 51.16M | 38.26M | 45.49M | 27.94M |
| Operating Cash Flow | 81.96M | 72.61M | 51.79M | 38.91M | 45.98M | 28.66M |
| Investing Cash Flow | -766.22M | -544.11M | -446.74M | -279.28M | -836.92M | -455.01M |
| Financing Cash Flow | 885.53M | 626.00M | 425.73M | 301.95M | 625.61M | 561.19M |
Five Star Technical Analysis
Positive
44.90
Price Trends
44.42
Positive
45.55
Negative
42.36
Positive
Market Momentum
-0.14
Negative
58.34
Neutral
88.91
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FSBC, the sentiment is Positive. The current price of 44.9 is above the 20-day moving average (MA) of 43.07, above the 50-day MA of 44.42, and above the 200-day MA of 42.36, indicating a bullish trend. The MACD of -0.14 indicates Negative momentum. The RSI at 58.34 is Neutral, neither overbought nor oversold. The STOCH value of 88.91 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FSBC.
Five Star Risk Analysis
Five Star disclosed 49 risk factors in its most recent earnings report. Five Star reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Five Star Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $805.12M | 9.12 | 15.71% | 0.34% | ― | ― | |
80 Outperform | $656.79M | 12.27 | 13.83% | 1.51% | 15.83% | 38.41% | |
74 Outperform | $1.09B | 13.13 | 15.92% | 2.13% | 18.89% | 38.49% | |
73 Outperform | $450.20M | 6.59 | 17.18% | 3.60% | -18.89% | -221.07% | |
73 Outperform | $706.35M | 11.81 | 10.44% | 1.91% | -2.10% | 110.95% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
58 Neutral | $346.49M | 10.52 | 3.36% | ― | -32.49% | -159.95% |
* Financial Sector Average
FSBC
Five Star
45.46
9.09
25.00%
BMRC
Bank Of Marin Bancorp
28.88
3.80
15.16%
BCAL
California BanCorp
21.95
4.63
26.72%
AVBH
Avidbank Holdings
32.80
6.90
26.64%
RCBC
River City Bank
57.68
17.97
45.25%
WCCB
West Coast Community Bancorp
63.46
22.90
56.45%
Five Star Corporate Events
Business Operations and StrategyDividendsFinancial DisclosuresPrivate Placements and Financing
Five Star Bancorp Reports Strong Q3 Earnings and Growth
Positive
Oct 27, 2026
For the third quarter ended September 30, 2026, Five Star Bancorp reported net income of $21.9 million, up from $19.4 million in the prior quarter and $16.3 million a year earlier, with ROAA at 1.55% and an efficiency ratio improving to 39.13%. Ba...
Dividends
Five Star Bancorp Declares Third-Quarter Cash Dividend
Positive
Oct 19, 2026
On October 16, 2026, Five Star Bancorp announced that its board had declared a third-quarter cash dividend of $0.25 per share on its voting common stock. The dividend was set to be paid on November 9, 2026, to shareholders of record as of November...
Business Operations and StrategyFinancial Disclosures
Five Star Bancorp Schedules Q3 2026 Earnings Release
Neutral
Oct 14, 2026
On October 13, 2026, Five Star Bancorp announced the timing of its third‑quarter 2026 financial reporting, covering results for the period ended September 30. The company said it expects to release earnings after the market close on Monday, ...
Business Operations and StrategyExecutive/Board Changes
Five Star Bancorp Elevates Community-Focused Executive Leadership
Positive
Sep 17, 2026
On September 14, 2026, Five Star Bancorp appointed Lydia Ramirez as Executive Vice President and Chief External Affairs Officer, a newly created role designed to strengthen the bank’s community engagement as it expands across California. Ram...
Executive/Board Changes
Five Star Bancorp Director Donna Lucas Resigns Immediately
Neutral
Sep 10, 2026
On September 4, 2026, Five Star Bancorp director Donna Lucas resigned from the company’s Board of Directors, with the departure effective immediately and formally acknowledged by the company. The company stated that her resignation did not s...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.