Want to see FSBC full AI Analyst Report?
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$28.34 - $50.26
Previous CloseN/A
Volume3.71K
Average Volume (3M)61.66K
Market Cap
$1.03B
Enterprise Value$843.43
Total Cash (Recent Filing)$136.55M
Total Debt (Recent Filing)$74.11M
Price to Earnings (P/E)10.1
Beta0.90
Next Earnings
Nov 02, 2026EPS Estimate
0.89Next Dividend Ex-DateN/A
Dividend Yield1.9%
Share Statistics
EPS (TTM)3.39
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$44.83Price Target Upside8.24% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.56
Revenue Forecast (FY)$193.63M
Bulls Say, Bears Say
Bulls Say
Loan & Deposit GrowthSustained, rapid loan growth paired with strong core deposit inflows materially increases interest-earning assets and funds them with lower-volatility core deposits. Over 2–6 months this supports higher net interest income, scalable revenue, and funding stability for further regional expansion.
Conservative Balance SheetA markedly lower leverage profile and steadily rising equity provide durable capital capacity to absorb credit stress, fund organic growth, and meet regulatory ratios. This conservative posture enhances resilience and strategic optionality over the medium term.
Cash Generation & ProfitabilityHigh cash conversion and healthy operating margins support dividend payments, reinvestment in branch and BDO hiring, and capital buffers. Persistent positive FCF relative to earnings indicates sustainable internal funding for growth and shareholder returns.
Bears Say
Margin CompressionEroding net interest margin reduces long-term profitability sensitivity to loan and deposit growth. If yields are diluted by rapid asset expansion or competitive pricing, sustained NIM pressure can impair ROA/ROE and limit excess cash for dividends or reinvestment.
Worsening EfficiencyRising operating expenses weaken operating leverage and compress margins even as revenues grow. If higher advertising, data processing, and staffing costs persist, the bank’s ability to convert revenue growth into incremental profits will be structurally impaired.
Credit Quality UptickA jump in non-performing loans and modest charge-offs signal localized underwriting stress; even a single larger non-accrual can necessitate higher provisions and tighten risk appetites. Persistent credit deterioration would raise funding costs and reduce long-term earnings durability.
Five Star News
FSBC FAQ
What was Five Star’s price range in the past 12 months?
Five Star lowest stock price was $28.34 and its highest was $50.26 in the past 12 months.
What is Five Star’s market cap?
Five Star’s market cap is $1.03B.
When is Five Star’s upcoming earnings report date?
Five Star’s upcoming earnings report date is Nov 02, 2026 which is in 101 days.
How were Five Star’s earnings last quarter?
Five Star released its earnings results on Jul 22, 2026. The company reported $0.91 earnings per share for the quarter, beating the consensus estimate of $0.86 by $0.05.
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 1.9%. See more information on Five Star dividends here
What is Five Star’s EPS estimate?
Five Star’s EPS estimate is 0.89.
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 $0.91 in its last earnings report, beating expectations of $0.86. Following the earnings report the stock price went down -2.109%.
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
2
3
4
5
6
7
8
9
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 60%
Sector Average 60%
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
1.90%
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 Stock 12 Month Forecast
Average Price Target
$44.83
▲(8.24% Upside)
Technical Analysis
First Financial Indiana
―
Great Southern Bancorp
―
Mid Penn Bancorp
―
TrustCo Bank
―
Business First Bancshares
―
Ownership Overview
21.09% Insiders
16.84% Mutual Funds
0.21% Other Institutional Investors
49.96% Public Companies and
Individual Investors