Five Star (FSBC)
NASDAQ:FSBC
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FSBC Stock Chart & Stats
$41.42
-$0.23(-0.77%)
At close: 4:00 PM EST
$41.42
-$0.23(-0.77%)
Day’s Range― - ―
52-Week Range$26.20 - $45.48
Previous CloseN/A
Volume3.71K
Average Volume (3M)61.66K
Market Cap
$959.15M
Enterprise Value$385.56M
Total Cash (Recent Filing)$646.68M
Total Debt (Recent Filing)$85.62M
Price to Earnings (P/E)14.2
Beta0.88
Next Earnings
Jul 27, 2026EPS Estimate
0.86Next Dividend Ex-DateN/A
Dividend Yield2.18%
Share Statistics
EPS (TTM)3.16
Shares Outstanding21,376,154
10 Day Avg. Volume72,257
30 Day Avg. Volume61,664
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 Cap0.40
Enterprise Value/Revenue1.45
Enterprise Value/Gross Profit2.44
Enterprise Value/Ebitda4.16
Forecast
1Y Price Target
$44.83Price Target Upside8.24% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.57
Revenue Forecast (FY)$192.56M
Bulls Say, Bears Say
Bulls Say
Profitability & ReturnsSustained high net margin and mid-teens ROE indicate durable operating profitability that funds capital build, dividend payouts and reinvestment. This operating leverage supports resilience to cyclical pressure and provides ongoing capacity to expand lending and services.
Core Deposit FundingRapid growth and a shift to non-wholesale, noninterest-bearing deposits materially strengthens funding stability and lowers cost of funds. A stickier deposit base improves liquidity, supports loan growth targets, and reduces structural funding risk over the medium term.
Loan Rate SensitivityA high share of adjustable-rate loans enables the bank to reprice assets as market rates move, preserving net interest income in rising-rate environments. This structural loan mix provides durable margin flexibility versus fixed-rate-heavy peers.
Bears Say
Top-line ContractionA large recent decline in revenue undermines scale benefits and increases reliance on management to execute loan/deposit growth to restore top-line momentum. Prolonged revenue contraction could pressure fee income and limit investment capacity.
Free Cash Flow VolatilityWhile absolute FCF remains positive, a notable drop in FCF growth reduces flexibility for capital allocation, organic investment, and absorbing credit or market shocks. Persistent FCF volatility challenges sustainable dividend and growth funding over the medium term.
Elevated Expense Run-Rate & One-offsOngoing hiring and market expansion are driving a higher cost base that may keep efficiency ratios pressured. Improvement partly driven by a one-time $1M release, so underlying expense inflation could erode margins unless revenue growth offsets the run-rate.
Five Star News
FSBC FAQ
What was Five Star’s price range in the past 12 months?
Five Star lowest stock price was $26.20 and its highest was $45.48 in the past 12 months.
What is Five Star’s market cap?
Five Star’s market cap is $959.15M.
When is Five Star’s upcoming earnings report date?
Five Star’s upcoming earnings report date is Jul 27, 2026 which is in 34 days.
How were Five Star’s earnings last quarter?
Five Star released its earnings results on Apr 27, 2026. The company reported $0.87 earnings per share for the quarter, beating the consensus estimate of $0.788 by $0.082.
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 2.18%. See more information on Five Star dividends here
What is Five Star’s EPS estimate?
Five Star’s EPS estimate is 0.86.
How many shares outstanding does Five Star have?
Five Star has 21,376,154 shares outstanding.
What happened to Five Star’s price movement after its last earnings report?
Five Star reported an EPS of $0.87 in its last earnings report, beating expectations of $0.788. Following the earnings report the stock price went down -1.177%.
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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Analyst Consensus
Moderate Buy
Average Price Target:
$44.83 (8.24% Upside)
$44.83 (8.24% Upside)
Blogger Sentiment
Bullish
FSBC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 78.5K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
24.98%
12-Months-Change
Fundamentals
Return on Equity
15.32%
Trailing 12-Months
Asset Growth
18.53%
Trailing 12-Months
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a broadly positive operational and financial performance: strong sequential and annualized growth in loans and deposits, improved profitability metrics (EPS, net income, ROE, NIM), very low nonperforming loans, and strategic market expansion. Offsetting items include growth-related provisioning, elevated expense due to continued hiring and expansion investments (partly driving a one-time release impact on efficiency), remaining brokered funding costs, and limited near-term NIM upside without rate moves. Overall, positives (robust growth, profitability, asset quality, and strategic expansion) materially outweigh the challenges, though management cautioned about competition and volatility.View all FSBC earnings summariesFSBC Stock 12 Month Forecast
Average Price Target
$44.83
▲(8.24% Upside)
Technical Analysis
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Ownership Overview
21.09% Insiders
16.65% Mutual Funds
26.77% Other Institutional Investors
24.42% Public Companies and
Individual Investors