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An update from Five Star ( (FSBC) ) is now available.
On January 26, 2026, Five Star Bancorp reported strong fourth-quarter and full-year 2025 results, with net income rising to $17.6 million for the quarter ended December 31, 2025, up from $16.3 million in the prior quarter and $13.3 million a year earlier, and full-year 2025 net income increasing to $61.6 million from $45.7 million in 2024. Key performance metrics improved, including higher returns on average assets and equity, a lower efficiency ratio, and earnings per share climbing to $2.90 for 2025, supported by 15% year-over-year growth in total loans, 18% growth in total deposits and a reduction in wholesale funding. Management highlighted expanding franchise reach with a new Walnut Creek office and an enlarged Agribusiness vertical, as well as a higher shareholder dividend, underscoring the bank’s disciplined expense control, conservative underwriting and strengthened community-bank positioning, further validated by multiple industry and leadership awards and recognitions during 2024–2025.
The most recent analyst rating on (FSBC) stock is a Buy with a $44.00 price target. To see the full list of analyst forecasts on Five Star stock, see the FSBC Stock Forecast page.
Spark’s Take on FSBC Stock
According to Spark, TipRanks’ AI Analyst, FSBC is a Outperform.
The score is driven primarily by strong financial performance (healthy margins and low leverage) and a constructive earnings update (profitability, improving NIM, strong growth, excellent asset quality). Technicals support the trend with positive momentum, while valuation is reasonable but not notably cheap; cash-flow efficiency and rising expenses temper the outlook.
To see Spark’s full report on FSBC stock, click here.
More about Five Star
Five Star Bancorp, headquartered in Rancho Cordova, California, is a bank holding company operating through its wholly owned subsidiary Five Star Bank, serving multiple regional markets including the San Francisco Bay Area with a focus on commercial banking, agribusiness and other specialized lending verticals, and positioning itself as a high-tech, high-touch community bank franchise.
Average Trading Volume: 65,786
Technical Sentiment Signal: Buy
Current Market Cap: $829.1M
For an in-depth examination of FSBC stock, go to TipRanks’ Overview page.