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FSBC Stock Chart & Stats
$44.90
-$0.54(-1.14%)
At close: 4:00 PM EDT
$44.90
-$0.54(-1.14%)
Day’s Range― - ―
52-Week Range$30.68 - $50.26
Previous CloseN/A
Volume305.39K
Average Volume (3M)182.60K
Market Cap
$1.09B
Enterprise Value$1.08K
Total Cash (Recent Filing)$136.55M
Total Debt (Recent Filing)$74.11M
Price to Earnings (P/E)13.1
Beta0.84
Next Earnings
Nov 02, 2026EPS Estimate
0.85Next Dividend Ex-DateN/A
Dividend Yield2.14%
Share Statistics
EPS (TTM)3.39
Shares Outstanding24,536,613
10 Day Avg. Volume228,460
30 Day Avg. Volume182,605
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$52.00Price Target Upside15.81% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.5
Revenue Forecast (FY)$197.71M
Bulls Say, Bears Say
Bulls Say
Organic Loan GrowthRapid loan expansion increases the earning-asset base and supports future net interest income, while the reported growth is tied to ongoing commercial banking activity. Continued relationship-driven origination can deepen customer ties and strengthen FSBC’s regional market position over the next several quarters.
Core Deposit FundingThe stronger mix of non-wholesale deposits provides a more stable funding foundation for continued lending and reduces reliance on wholesale sources. A broad core deposit base can improve liquidity resilience, support customer relationships, and enhance the durability of FSBC’s banking franchise.
Capital Strength And Balance SheetHealthy regulatory capital and substantial equity growth give FSBC capacity to absorb credit losses while continuing to invest in its asset base and expansion plans. The improved debt-to-equity position also provides greater financial flexibility than the elevated leverage seen in 2022–2023.
Bears Say
Net Interest Margin PressureMargin compression can reduce the amount of income generated from each dollar of earning assets, making profitability more dependent on continued balance-sheet growth. If funding costs remain elevated or rapid growth dilutes yields, sustained earnings expansion could become harder to achieve.
Higher Operating CostsRising operating expenses and a weaker efficiency ratio indicate that recent growth is carrying a higher cost base. Unless revenue expands faster than staffing, advertising, data-processing, and other expenses, operating leverage may remain constrained and limit the sustainability of strong margins.
Emerging Credit Quality PressureThe increase in non-performing loans introduces a developing credit-quality risk, even though the disclosed issue is concentrated in one loan. Further deterioration could increase provisions, reduce interest income, and weaken earnings or capital generation as the loan portfolio continues to expand.
Five Star News
FSBC FAQ
What was Five Star’s price range in the past 12 months?
Five Star lowest stock price was $30.68 and its highest was $50.26 in the past 12 months.
What is Five Star’s market cap?
Five Star’s market cap is $1.09B.
When is Five Star’s upcoming earnings report date?
Five Star’s upcoming earnings report date is Nov 02, 2026 which is in 40 days.
How were Five Star’s earnings last quarter?
Five Star released its earnings results on Jul 22, 2026. The company reported $0.91 earnings per share for the quarter, beating the consensus estimate of $0.86 by $0.05.
Is Five Star overvalued?
According to Wall Street analysts Five Star’s price is currently Undervalued.
Does Five Star pay dividends?
Five Star pays a Quarterly dividend of $0.25 which represents an annual dividend yield of 2.14%. See more information on Five Star dividends here
What is Five Star’s EPS estimate?
Five Star’s EPS estimate is 0.85.
How many shares outstanding does Five Star have?
Five Star has 24,536,613 shares outstanding.
What happened to Five Star’s price movement after its last earnings report?
Five Star reported an EPS of $0.91 in its last earnings report, beating expectations of $0.86. Following the earnings report the stock price went down -2.108%.
Which hedge fund is a major shareholder of Five Star?
Currently, no hedge funds are holding shares in FSBC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Five Star Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$52.00 (15.81% Upside)
$52.00 (15.81% Upside)
Blogger Sentiment
Neutral
FSBC Sentiment 57%
Sector Average 60%
Sector Average 60%
Hedge Fund Trend
Decreased
By 47.9K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $4.0M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
37.78%
12-Months-Change
Fundamentals
Return on Equity
2.14%
Trailing 12-Months
Asset Growth
21.83%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Five Star
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 individual customers. Clients can access various deposit options, such as money market accounts, both interest-bearing and non-interest-bearing checking accounts, savings accounts, and time deposits. The bank's lending portfolio encompasses commercial and residential real estate loans, general commercial financing, commercial land loans, agricultural land loans, and construction loans for both commercial and residential projects, alongside consumer and other credit facilities. Additionally, it provides debit cards, remote check deposit capabilities, online and mobile banking services, and direct deposit options. Operating in Northern California, Five Star Bancorp maintains seven branch locations and two dedicated loan production offices. The company was established in 1999 and its headquarters are located in Rancho Cordova, California.
FSBC Company Deck
FSBC Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a generally positive performance driven by strong organic growth in loans and deposits, rising net interest income, healthy capital ratios, geographic expansion, and employee recognition. Key challenges included modest NIM compression, higher operating expenses that increased the efficiency ratio, a small uptick in non-performing loans due to a single non-accrual CRA loan, and a modest provision for credit losses. Overall, the positives — particularly rapid balance sheet growth, improving core deposit composition, and solid earnings — outweighed the limited credit and expense headwinds.View all FSBC earnings summariesFSBC Stock 12 Month Forecast
Average Price Target
$52.00
▲(15.81% Upside)
Technical Analysis
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Ownership Overview
18.74% Insiders
14.67% Mutual Funds
22.59% Other Institutional Investors
32.57% Public Companies and
Individual Investors