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Five Star (FSBC) Stock Price & Analysis

58 Followers

FSBC Stock Chart & Stats

$44.42$0.22(0.50%)
At close: 4:00 PM EST
$42$44$46Aug 17Aug 31Sep 14Sep 28Oct 12Oct 26Nov 9
Day’s Range
$43.91 - $45.87
52-Week Range
$32.20 - $50.26
Previous Close
$44.20
Volume
N/A
Average Volume (3M)
144.97K
Market Cap
$1.08B
Enterprise Value
$1.04B
Total Cash (Recent Filing)
$763.64M
Total Debt (Recent Filing)
$86.08M
Price to Earnings (P/E)
12.5
Beta
0.75
Next Earnings
Feb 01, 2027 (Est.)
EPS Estimate
0.87
Last Dividend Ex-Date
Nov 02, 2026
Dividend Yield
2.25%

Bulls Say, Bears Say

Bulls Say

Revenue And Profitability Growth

Sustained revenue expansion alongside strong profitability indicates that Five Star is increasing its commercial banking scale while retaining meaningful earnings power. This supports continued investment in lending capacity, branches and personnel, helping the company compound its regional market presence over the next several quarters.

Capital And Deposit Strength

Strong regulatory capital provides capacity to absorb losses and fund organic loan growth, while the predominantly non-wholesale deposit base supports a more durable funding franchise. Long-tenured relationships and meaningful noninterest-bearing balances can improve resilience as the bank expands across California.

Loan Growth And Operating Efficiency

Rapid loan growth, a strong pipeline and improving efficiency show that Five Star is scaling its balance sheet without proportionate cost expansion. If execution remains disciplined, greater earning-asset volume and operating leverage can support durable net interest income and pre-provision earnings growth.

Bears Say

Funding Cost And Pricing Pressure

Higher deposit costs and aggressive market pricing can narrow the benefit from loan growth and repricing, reducing net interest margin durability. The pressure is especially relevant as Five Star competes for liquidity and must pay more for new relationships, potentially limiting earnings conversion.

Profit Margin Compression

Although current profitability remains strong, the decline from earlier net-margin levels indicates that earnings are less resilient than at the peak. Continued compression would reduce the amount of revenue converted into capital and retained earnings, constraining the benefit of future balance-sheet growth.

Volatile Free Cash Flow Growth

Free cash flow closely tracks net income in absolute terms, but its uneven growth makes internally generated capital less predictable. This variability can complicate planning for expansion, dividends and balance-sheet investment, particularly if slower cash growth coincides with higher funding costs or credit needs.

Five Star News

FSBC FAQ

What was Five Star’s price range in the past 12 months?
Five Star lowest stock price was $32.20 and its highest was $50.26 in the past 12 months.
What is Five Star’s market cap?
Five Star’s market cap is $1.08B.
When is Five Star’s upcoming earnings report date?
Five Star’s next earnings report is estimated for Feb 01, 2027 (not yet confirmed), which is in 81 days.
How were Five Star’s earnings last quarter?
Five Star released its earnings results on Oct 26, 2026. The company reported $0.92 earnings per share for the quarter, beating the consensus estimate of $0.854 by $0.066.
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 2.25%. See more information on Five Star dividends here
What is Five Star’s EPS estimate?
Five Star’s EPS estimate is 0.87.
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 $0.92 in its last earnings report, beating expectations of $0.854. Following the earnings report the stock price went up 2.156%.
Which hedge fund is a major shareholder of Five Star?
Hedge funds hold Five Star shares: the largest hedge-fund position in Five Star is 71,884,956 shares, and hedge funds increased their holdings by 91.9K shares last quarter.
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