Five Star AI Stock Analysis
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Five Star (FSBC) AI Stock Analysis
Five Star
(NASDAQ:FSBC)
FSBC scores well primarily due to solid financial performance (strong profitability, meaningful revenue growth, and currently conservative leverage) and a constructive earnings call with positive margin/loan-growth outlook and improved efficiency. Valuation is supportive with a moderate P/E and dividend yield, while technical indicators are largely neutral and do not add strong momentum confirmation.
Five Star (FSBC) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $1.08B
- Dividend Yield
- 2.26%
- Average Volume (3M)
- 168.35K
- Price to Earnings (P/E)
- 12.5
- Beta (1Y)
- 0.79
- Revenue Growth
- 18.44%
- EPS Growth
- 31.35%
- Country
- US
- Employees
- 233
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 individual...
Five Star Earnings Call Summary
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.
Q3-2026 Updates
Positive Updates
Negative 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
Financial statements indicate a profitable, growing regional bank. Revenue has increased materially (from $87.8M in 2021 to $292.6M TTM) and profitability remains strong (TTM net margin 26.5%, EBIT margin ~45%). The balance sheet is currently conservative with low leverage (debt-to-equity 0.14 TTM) and healthy ROE (15.6% TTM), but historical leverage volatility (2022–2023 spike) and recent free-cash-flow growth softness (TTM down 23.1%) temper the score.
Income Statement
78PositiveBalance Sheet
83Very PositiveCash Flow
69Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 292.62M | 255.47M | 212.20M | 180.70M | 123.79M | 87.82M |
| Gross Profit | 179.66M | 148.74M | 118.01M | 113.20M | 102.24M | 82.15M |
| EBITDA | 135.34M | 86.78M | 66.60M | 68.23M | 64.49M | 47.76M |
| Net Income | 77.57M | 61.61M | 45.67M | 47.73M | 44.80M | 42.44M |
Balance Sheet | ||||||
| Total Assets | 5.56B | 4.75B | 4.05B | 3.59B | 3.23B | 2.56B |
| Cash, Cash Equivalents and Short-Term Investments | 763.64M | 564.86M | 454.66M | 435.52M | 385.83M | 588.60M |
| Total Debt | 86.08M | 85.91M | 80.75M | 249.35M | 177.85M | 28.39M |
| Total Liabilities | 4.94B | 4.31B | 3.66B | 3.31B | 2.97B | 2.32B |
| Stockholders Equity | 617.21M | 445.83M | 396.62M | 285.77M | 252.82M | 235.05M |
Cash Flow | ||||||
| Free Cash Flow | 88.06M | 71.42M | 51.16M | 38.26M | 45.49M | 27.94M |
| Operating Cash Flow | 89.76M | 72.61M | 51.79M | 38.91M | 45.98M | 28.66M |
| Investing Cash Flow | -820.74M | -544.11M | -446.74M | -279.28M | -836.92M | -455.01M |
| Financing Cash Flow | 830.02M | 626.00M | 425.73M | 301.95M | 625.61M | 561.19M |
Five Star Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FSBC, the sentiment is Negative. The current price of 44.20 is above the 20-day moving average (MA) of 43.87, above the 50-day MA of 44.12, and above the 200-day MA of 42.49, indicating a neutral trend. The MACD of 0.29 indicates Negative momentum. The RSI at 50.02 is Neutral, neither overbought nor oversold. The STOCH value of 27.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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.
Latest Risks Added
0 New RisksFive Star Peers Comparison
Overall Rating
BMRC85Outperform
RCBC83Outperform
WCCB82Outperform- FSBC75Outperform
BCAL72Outperform
AVBH64Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| BMRC | 85Outperform | $464.52M | 6.79 | 17.18% | 3.49% | -18.89% | -221.07% |
| RCBC | 83Outperform | $833.81M | 9.44 | 15.71% | 0.34% | ― | ― |
| WCCB | 82Outperform | $667.36M | 11.43 | 14.73% | 1.59% | 5.91% | 44.03% |
| FSBC | 75Outperform | $1.08B | 12.48 | 15.55% | 2.26% | 18.44% | 31.35% |
| BCAL | 72Outperform | $702.52M | 12.12 | 10.08% | 1.90% | -4.47% | -7.41% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| AVBH | 64Neutral | $381.67M | 10.88 | 11.60% | ― | -32.49% | -159.95% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FSBC | Five Star Bancorp | 44.20 | 9.87 | 28.75% | |
| BMRC | Bank Of Marin | 28.65 | 3.51 | 13.95% | |
| BCAL | California Bancorp | 22.06 | 3.53 | 19.08% | |
| AVBH | Avidbank Holdings | 34.71 | 9.64 | 38.45% | |
| RCBC | River City Bank | 58.72 | 19.19 | 48.54% | |
| WCCB | West Coast Community Bancorp | 63.41 | 22.68 | 55.70% |
Five Star Corporate Events
Five Star Bancorp Appoints Christopher Myers Board Vice Chair
PositiveOn November 4, 2026, Five Star Bancorp appointed Christopher D. Myers to the boards of the company and Five Star Bank, and designated him as a Board vice chairperson and member of the Strategy and Asset Liability Committees. Myers was entitled to pro...
Five Star Bancorp Reports Strong Q3 Earnings and Growth
PositiveFor 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%. Basic...
Five Star Bancorp Declares Third-Quarter Cash Dividend
PositiveOn 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 2,...
Five Star Bancorp Schedules Q3 2026 Earnings Release
NeutralOn 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, October 2...
Five Star Bancorp Elevates Community-Focused Executive Leadership
PositiveOn 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. Ramirez, pre...
Five Star Bancorp Director Donna Lucas Resigns Immediately
NeutralOn 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 stem from...
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.
Date of analysis: Nov 10, 2026