FSBC logo

FIVE STAR BANCORP

FSBCNASDAQ
๐Ÿ† #2228 by market capEarnings Oct 26US Equity
$47.55โ–ฒ $0.64 (+1.34%)
Live
1hโ–ฒ 0.1%
24hโ–ฒ 1.3%
7dโ–ฒ 1.8%
14dโ–ฒ 0.4%
30dโ–ผ 0.5%
1yโ–ฒ 52.5%
๐ŸฆMarket Cap
$1.15B
Small Cap
๐Ÿ“ˆRevenue Growth (YoY)
โ€”
๐Ÿ“ŠGross Margin
โ€”
๐Ÿ’ตFCF Margin
โ€”
โš–๏ธP/S Ratio
โ€”
Otter Score
62
Fair

Trading Snapshot

Day Range
$46.95 โ€“ $48.39
52-Week Range
$29.31 โ€“ $50.26
Volume
$2.43B
Avg Volume
$2.64B
Shares Outstanding
24.1M
Next Earnings
Sep 24, 2026

Fundamentals Snapshot

Annual Revenue
$255M
Last Q Revenue
$74M
P/E Ratio
15.7
P/S Ratio
โ€”
EPS (TTM)
$3.38
Dividend Yield
1.61%

Why Investors Own FSBC

  • โœ“High-growth profile โ€” revenue up +27.5% YoY with expanding US Equity exposure.
  • โœ“Healthy economics โ€” 40% gross margin and 27% free-cash-flow margin.
  • โœ“New products and segments could unlock additional revenue streams.
โš ๏ธ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$255Mโ–ฒ +26.3% YoY
Gross Margin (TTM)
39.6%โ–ฒ +4.1% YoY
Operating Income (TTM)
$45Mโ–ฒ +26.3% YoY
Free Cash Flow (TTM)
$69Mโ–ฒ +26.3% YoY

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.

๐Ÿฆฆ

Otter Score Breakdown

โ“˜
๐Ÿ’ŽQualityโ˜…โ˜…โ˜…โ˜…โ˜…
๐Ÿš€Growthโ˜…โ˜…โ˜…โ˜…โ˜…
โš–๏ธValuationโ˜…โ˜…โ˜…โ˜…โ˜…
โšกMomentumโ˜…โ˜…โ˜…โ˜…โ˜…
Overall Score
Fair
62/100

Analyst Ratings

โ“˜
Consensus
Buy
11 analysts
Strong Buy2
Buy6
Hold3
Sell0
Strong Sell0
Ratings as of Aug 2026

Latest News & Updates

๐Ÿš€
Benzingaยท14d ago

DA Davidson Maintains Buy on Five Star, Raises Price Target to $55

DA Davidson analyst Gary Tenner maintains Five Star (NASDAQ:FSBC) with a Buy and raises the price target from $53 to $55.

SeekingAlphaยท18d ago

Five Star Bancorp 2026 Q2 - Results - Earnings Call Presentation

2026-07-24. The following slide deck was published by Five Star Bancorp in conjunction with their 2026 Q2 earnings call.

Yahooยท19d ago

Five Star Bancorp (FSBC) Q2 2026 Earnings Call Highlights: Strong Income Growth Amid Margin Pressure

Five Star Bancorp (FSBC) reports increased net income and loan growth, despite challenges in net interest margin and rising non-performing loans.

SeekingAlphaยท19d ago

Five Star Bancorp (FSBC) Q2 2026 Earnings Call Prepared Remarks Transcript

Five Star Bancorp (FSBC) Q2 2026 Earnings Call July 23, 2026 1:00 PM EDTCompany ParticipantsJames Beckwith - President, CEO & DirectorHeather Luck -...

Yahooยท19d ago

Five Star Bancorp Q2 Earnings Call Highlights

Five Star Bancorp (NASDAQ:FSBC) reported higher second-quarter 2026 earnings as loan and deposit growth continued to drive balance sheet expansion, while management highlighted ongoing market expansion in California and a continued focus on core deposit relationships. President and Chief Executive

Benzingaยท20d ago

Full Transcript: Five Star Q2 2026 Earnings Call

Five Star (NASDAQ:FSBC) reported second-quarter financial results on Thursday. The transcript from the company's second-quarter earnings call has been provided below. Benzinga APIs provide real-time access to