Five Star (FSBC)
NASDAQ:FSBC
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FSBC Stock Chart & Stats
$41.42
-$0.23(-0.77%)
At close: 4:00 PM EST
$41.42
-$0.23(-0.77%)
Day’s Range― - ―
52-Week Range$26.20 - $44.49
Previous CloseN/A
Volume3.71K
Average Volume (3M)61.66K
Market Cap
$939.27M
Enterprise Value$942.22M
Total Cash (Recent Filing)$646.68M
Total Debt (Recent Filing)$85.62M
Price to Earnings (P/E)13.9
Beta0.86
Next Earnings
Jul 27, 2026EPS Estimate
0.86Next Dividend Ex-DateN/A
Dividend Yield2.18%
Share Statistics
EPS (TTM)3.16
Shares Outstanding21,376,154
10 Day Avg. Volume72,257
30 Day Avg. Volume61,664
Financial Highlights & Ratios
PEG Ratio0.44
Price to Book (P/B)1.70
Price to Sales (P/S)2.97
P/FCF Ratio10.63
Enterprise Value/Market Cap1.00
Enterprise Value/Revenue3.54
Enterprise Value/Gross Profit5.97
Enterprise Value/Ebitda10.49
Forecast
1Y Price Target
$44.83Price Target Upside8.24% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.53
Revenue Forecast (FY)$192.56M
Bulls Say, Bears Say
Bulls Say
Capital & Balance Sheet StrengthSustained profitability and low leverage provide a durable capital buffer and loss-absorption capacity. Controlled debt-to-equity supports regulatory flexibility, dividend payouts and organic loan growth without needing immediate wholesale funding, underpinning stability over the next several quarters.
Core Deposit Growth & Funding MixRapid, core deposit growth and a higher share of noninterest-bearing balances materially improve funding stability and lower average funding costs. A deeper deposit base reduces reliance on volatile wholesale sources, enabling sustained loan originations and supporting long-term NII generation.
Asset Quality & Rate SensitivityVery low NPLs reflect conservative underwriting and portfolio quality, lowering credit-cost risk. High share of adjustable loans gives structural rate re-pricing flexibility, helping net interest income adapt to rate moves and preserving margins across varying rate environments.
Bears Say
Sharp Revenue DeclineA pronounced TTM revenue drop erodes the top-line base that funds investments, provisions and dividends. Even with resilient margins, continued revenue weakness would force heavier reliance on loan growth or cost cuts to sustain earnings, increasing execution risk over coming quarters.
Expense Inflation From ExpansionManagement's hiring and market expansion raise the structural expense run-rate, pressuring efficiency metrics. If revenue growth lags these investments, elevated operating costs could compress margins and slow ROE improvement until new branches and staff materially contribute to returns.
Remaining Costly Wholesale Funding & NIM CeilingPersisting brokered funding at elevated cost restrains net interest margin and earnings flexibility until fully replaced. Management targets elimination, but interim dependence raises funding-cost volatility; absent favorable rate shifts, structural NIM expansion appears constrained.
Five Star News
FSBC FAQ
What was Five Star’s price range in the past 12 months?
Five Star lowest stock price was $26.20 and its highest was $44.49 in the past 12 months.
What is Five Star’s market cap?
Five Star’s market cap is $939.27M.
When is Five Star’s upcoming earnings report date?
Five Star’s upcoming earnings report date is Jul 27, 2026 which is in 46 days.
How were Five Star’s earnings last quarter?
Five Star released its earnings results on Apr 27, 2026. The company reported $0.87 earnings per share for the quarter, beating the consensus estimate of $0.788 by $0.082.
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 2.18%. See more information on Five Star dividends here
What is Five Star’s EPS estimate?
Five Star’s EPS estimate is 0.86.
How many shares outstanding does Five Star have?
Five Star has 21,376,154 shares outstanding.
What happened to Five Star’s price movement after its last earnings report?
Five Star reported an EPS of $0.87 in its last earnings report, beating expectations of $0.788. Following the earnings report the stock price went down -1.177%.
Which hedge fund is a major shareholder of Five Star?
Currently, no hedge funds are holding shares in FSBC
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
Five Star Stock Smart Score
Outperform
1
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$44.83 (8.24% Upside)
$44.83 (8.24% Upside)
Blogger Sentiment
Bullish
FSBC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 78.5K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
24.98%
12-Months-Change
Fundamentals
Return on Equity
15.32%
Trailing 12-Months
Asset Growth
18.53%
Trailing 12-Months
Company Description
Five Star
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.
FSBC Company Deck
FSBC Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a broadly positive operational and financial performance: strong sequential and annualized growth in loans and deposits, improved profitability metrics (EPS, net income, ROE, NIM), very low nonperforming loans, and strategic market expansion. Offsetting items include growth-related provisioning, elevated expense due to continued hiring and expansion investments (partly driving a one-time release impact on efficiency), remaining brokered funding costs, and limited near-term NIM upside without rate moves. Overall, positives (robust growth, profitability, asset quality, and strategic expansion) materially outweigh the challenges, though management cautioned about competition and volatility.View all FSBC earnings summariesFSBC Stock 12 Month Forecast
Average Price Target
$44.83
▲(8.24% Upside)
Technical Analysis
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Ownership Overview
21.09% Insiders
16.65% Mutual Funds
26.77% Other Institutional Investors
24.64% Public Companies and
Individual Investors