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FIVE STAR BANCORP

FSBCNASDAQ
πŸ† #2311 by market capEarnings Jan 25US Equity
$45.75β–Ό $0.18 (βˆ’0.40%)
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24hβ–Ό 0.4%
7dβ–² 3.8%
14dβ–² 6.3%
30dβ–² 7.9%
ytdβ–² 28.7%
1yβ–² 28.2%
🏦Market Cap
$1.12B
Small Cap
πŸ“ˆRevenue Growth (YoY)
20.4%
Healthy
πŸ“ŠGross Margin
61.4%
High
πŸ’΅FCF Margin
21.2%
Strong
βš–οΈP/S Ratio
3.8x
Fair
Otter Score
76
Strong

Trading Snapshot

Day Range
$45.74 – $46.44
52-Week Range
$32.20 – $50.26
Volume (shares)
6,458
Avg Volume (shares)
β€”
Shares Outstanding
24.5M
Next Earnings
2027-01-25

Fundamentals Snapshot

Annual Revenue
$255M
Last Q Revenue
$81M
P/E Ratio
12.9
P/S Ratio
3.8x
EPS (TTM)
$3.28
Dividend Yield
2.08%
Dilution (1yr)
+0.3%
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FIVE STAR BANCORP

FSBC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$255Mβ–² +20.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
58.2%β–² +4.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$84Mβ–² +29.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$71Mβ–² +39.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
21.3Mβ–² +0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$421Mβ–² +$145M YoY
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About FIVE STAR BANCORP

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
76/100

Analyst Ratings

β“˜
Consensus
Buy
11 analysts
Strong Buy2
Buy6
Hold3
Sell0
Strong Sell0
Ratings as of Oct 2026

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