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Five Star (FSBC)
NASDAQ:FSBC
FSBC Stock Chart & Stats
$38.93
-$0.23(-0.77%)
At close: 4:00 PM EST
$38.93
-$0.23(-0.77%)
Day’s Range― - ―
52-Week Range$22.22 - $42.26
Previous CloseN/A
Volume3.71K
Average Volume (3M)61.66K
Market Cap
$832.17M
Enterprise Value$929.96M
Total Cash (Recent Filing)$0.00
Total Debt (Recent Filing)$97.78M
Price to Earnings (P/E)13.4
Beta0.88
Next Earnings
Apr 27, 2026EPS Estimate
0.78Next Dividend Ex-DateN/A
Dividend Yield2.18%
Share Statistics
EPS (TTM)0.83
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 Ratio10.46
Enterprise Value/Market Cap1.12
Enterprise Value/Revenue3.66
Enterprise Value/Gross Profit6.30
Enterprise Value/Ebitda11.11
Forecast
1Y Price Target
$43.00Price Target Upside10.45% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.42
Revenue Forecast (FY)$184.85M
Bulls Say, Bears Say
Bulls Say
Loan & Deposit GrowthSustained, large-scale organic loan and deposit growth strengthens the core net interest income engine and funding mix. Durable growth in core deposits reduces reliance on wholesale funding, supports continued lending capacity and enables predictable interest spread generation over the next several quarters.
Stronger Balance Sheet / De‑leveragingMaterial de‑leveraging and rising equity provide a meaningful de‑risking of the franchise, improving capital cushions and regulatory flexibility. Stronger capitalization supports prudent lending, dividend increases, and potential opportunistic growth without materially increasing funding stress.
High Asset Quality & CapitalizationExceptionally low credit losses and healthy capital ratios indicate conservative underwriting and resilient portfolio quality. Low NPLs reduce provisioning volatility and support consistent earnings and dividend capacity, making credit risk a smaller drag on long‑term profitability.
Bears Say
Margin NormalizationNet interest margin and profit margins appear to be reverting from elevated peaks, which can persist as structural headwinds if loan mix or funding costs shift. Margin compression reduces incremental earnings leverage from asset growth and increases sensitivity to funding cost changes over months.
Rising Noninterest ExpenseIncreases in salaries and headcount-driven operating costs can erode efficiency if revenue growth slows. Persistent expense growth risks a higher efficiency ratio over time, requiring sustained revenue expansion or tighter cost control to maintain returns and dividend support.
Deposit Growth Normalization & Paydown RiskManagement expects deposit growth to normalize, and sector-specific payoffs create volatility in loan balances. Reduced deposit momentum raises funding cost and growth risks, potentially pressuring loan growth and forcing greater reliance on pricier funding or slower asset expansion over coming quarters.
Five Star News
FSBC FAQ
What was Five Star’s price range in the past 12 months?
Five Star lowest stock price was $22.22 and its highest was $42.26 in the past 12 months.
What is Five Star’s market cap?
Five Star’s market cap is $832.17M.
When is Five Star’s upcoming earnings report date?
Five Star’s upcoming earnings report date is Apr 27, 2026 which is in 56 days.
How were Five Star’s earnings last quarter?
Five Star released its earnings results on Jan 26, 2026. The company reported $0.83 earnings per share for the quarter, beating the consensus estimate of $0.762 by $0.068.
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 $0.2 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 0.78.
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 $0.83 in its last earnings report, beating expectations of $0.762. Following the earnings report the stock price went down -0.568%.
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
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$43.00 (10.45% Upside)
$43.00 (10.45% Upside)
Blogger Sentiment
Bullish
FSBC Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 4.3K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $23.9K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
24.98%
12-Months-Change
Fundamentals
Return on Equity
13.95%
Trailing 12-Months
Asset Growth
19.42%
Trailing 12-Months
Company Description
Five Star
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals. The company accepts various deposits, such as money market, noninterest-bearing and interest checking accounts, savings accounts, and time deposits. Its loan products include commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans. The company also offers debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. It operates through seven branch offices and two loan production offices in Northern California. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
FSBC Company Deck
FSBC Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call communicates strong, broad-based 2025 financial and balance sheet performance—notably double-digit growth in loans and deposits, meaningful NII and NIM expansion, improved deposit funding costs, low NPLs, and a dividend increase—supported by strategic hiring and branch expansion. Key challenges include elevated operating expenses from hiring, a modest Q4 decline in noninterest income, compressed capital ratios after rapid growth, competitive pressure on loan spreads, and loan reset/refinance risk in 2026. Management believes these issues are manageable within a planned ~10% growth path, though faster growth would necessitate external capital.View all FSBC earnings summariesFSBC Stock 12 Month Forecast
Average Price Target
$43.00
▲(10.45% Upside)
Technical Analysis
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Ownership Overview
21.82% Insiders
16.02% Mutual Funds
13.29% Other Institutional Investors
38.85% Public Companies and
Individual Investors