Five Star (FSBC) AI Stock Analysis

• Market Cap: $761.34M
• Dividend Yield: 2.41%
• Average Volume (3M): 55.57K
• Price to Earnings (P/E): 14.6
• Beta (1Y): 0.90
• Revenue Growth: 20.43%
• EPS Growth: 1.84%
• Country: US
• Employees: 205
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.68
• Shares Outstanding: 21,368,053
• 10 Day Avg. Volume: 83,440
• 30 Day Avg. Volume: 55,571
• PEG Ratio: -0.71
• Price to Book (P/B): 1.53
• Price to Sales (P/S): 2.86
• P/FCF Ratio: 11.85
• Enterprise Value/Market Cap: 0.83
• Enterprise Value/Revenue: 2.72
• Enterprise Value/Gross Profit: 4.84
• Enterprise Value/Ebitda: 8.52
• 1Y Price Target: $37.00
• Price Target Upside: 3.85% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 80 Outperform
• Price Target: $41.00 ▲(15.07% Upside)

Five Star Bancorp's overall stock score reflects strong financial performance and positive earnings call sentiment. The technical analysis suggests positive momentum, though caution is advised due to overbought signals. Valuation is fair, providing a balanced outlook for investors.

Five Star Business Overview & Revenue Model

Company Description

Five Star (FSBC) is a diversified business entity operating primarily in the hospitality and service sectors. The company specializes in offering premium accommodations, restaurant services, and event hosting solutions. With a commitment to delivering exceptional customer experiences, FSBC aims to position itself as a leader in the luxury market, catering to both leisure and business travelers through its portfolio of high-end hotels and dining establishments.

How the Company Makes Money

Five Star (FSBC) generates revenue through multiple streams, primarily from its hospitality services, which include room bookings, food and beverage sales, and event management services. The company charges competitive rates for its accommodations and upsells additional services such as spa treatments and guided tours. Additionally, FSBC collaborates with corporate clients for event hosting and catering services, creating significant revenue opportunities from large-scale events. Strategic partnerships with travel agencies and online booking platforms further enhance visibility and sales, driving more customers to its properties and services.

Five Star Financial Statement Overview

Summary

Five Star demonstrates robust financial health with strong revenue and profit growth, a solid balance sheet, and effective cash flow management. However, attention should be given to managing rising liabilities and operational costs to maintain profitability.

Income Statement

Five Star has demonstrated strong revenue growth with a consistent increase in total revenue over the years. The TTM period shows a 39.7% increase in revenue compared to the previous year. Gross profit margins remain robust, demonstrating efficient cost management. The net profit margin has been stable, indicating strong profitability. However, the slight dip in EBIT margins could suggest rising operational costs.

Balance Sheet

The balance sheet is solid with a strong equity base and a low debt-to-equity ratio, indicating financial stability. The equity ratio remains healthy, showing a firm reliance on equity financing. The return on equity is impressive, reflecting effective use of shareholders’ funds for generating profits. However, the increase in total liabilities could pose a risk if not managed properly.

Cash Flow

Cash flow analysis shows strong free cash flow growth, indicating efficient cash management and operational efficiency. The operating cash flow to net income ratio is favorable, suggesting that profits are well-supported by cash flows. However, the significant investing cash outflows might warrant attention.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	233.36M	212.20M	180.70M	123.79M	87.82M	82.96M
Gross Profit	131.20M	118.01M	113.20M	102.24M	82.15M	64.78M
EBITDA	74.50M	66.60M	68.23M	64.49M	47.76M	37.72M
Net Income	51.88M	45.67M	47.73M	44.80M	42.44M	35.93M
Balance Sheet
Total Assets	4.41B	4.05B	3.59B	3.23B	2.56B	1.95B
Cash, Cash Equivalents and Short-Term Investments	148.71M	454.66M	435.52M	385.83M	588.60M	429.15M
Total Debt	81.71M	80.75M	249.35M	177.85M	28.39M	28.32M
Total Liabilities	4.00B	3.66B	3.31B	2.97B	2.32B	1.82B
Stockholders Equity	416.74M	396.62M	285.77M	252.82M	235.05M	133.78M
Cash Flow
Free Cash Flow	68.12M	51.16M	38.26M	45.49M	27.94M	50.64M
Operating Cash Flow	68.78M	51.79M	38.91M	45.98M	28.66M	51.48M
Investing Cash Flow	-503.25M	-446.74M	-279.28M	-836.92M	-455.01M	-372.63M
Financing Cash Flow	727.92M	425.73M	301.95M	625.61M	561.19M	434.28M

Five Star Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 35.63
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FSBC, the sentiment is Positive. The current price of 35.63 is above the 20-day moving average (MA) of 32.63, above the 50-day MA of 32.59, and above the 200-day MA of 29.62, indicating a bullish trend. The MACD of 0.65 indicates Negative momentum. The RSI at 67.27 is Neutral, neither overbought nor oversold. The STOCH value of 86.06 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FSBC.

Five Star Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FSBC	80 Outperform	$761.34M	14.59	13.01%	2.41%	20.43%	1.84%
TRST	75 Outperform	$710.49M	12.59	8.35%	3.87%	5.75%	20.52%
BFST	72 Outperform	$743.15M	9.64	10.39%	2.24%	17.91%	11.08%
MPB	71 Outperform	$682.04M	12.08	7.31%	2.77%	12.09%	-15.97%
THFF	68 Neutral	$655.22M	10.56	11.08%	3.69%	20.07%	21.46%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GSBC	67 Neutral	$659.65M	9.68	11.18%	2.80%	0.60%	17.95%

Five Star Corporate Events

Five Star Bancorp Declares Quarterly Cash Dividend

On October 17, 2025, Five Star Bancorp announced a quarterly cash dividend of $0.20 per share, payable on November 10, 2025, to shareholders of record as of November 3, 2025. This announcement reflects the company’s ongoing commitment to returning value to its shareholders and may impact its financial positioning and stakeholder relations.

The most recent analyst rating on (FSBC) stock is a Buy with a $36.00 price target. To see the full list of analyst forecasts on Five Star stock, see the FSBC Stock Forecast page.

Five Star Announces Q3 2025 Earnings Release Date

On October 14, 2025, Five Star Bancorp announced the dates for its third quarter 2025 earnings release and webcast. The company will report its financial results after the market closes on October 27, 2025, with a live webcast for analysts and investors scheduled for October 28, 2025. This announcement is significant for stakeholders as it provides insights into the company’s financial health and future prospects.

The most recent analyst rating on (FSBC) stock is a Buy with a $37.00 price target. To see the full list of analyst forecasts on Five Star stock, see the FSBC Stock Forecast page.

Five Star Bancorp Reports Strong Q2 2025 Results

Five Star Bancorp is a bank holding company headquartered in Rancho Cordova, California, operating through its wholly owned subsidiary, Five Star Bank, with eight branches in Northern California. The company is known for its relationship-based banking approach, offering high-tech and high-touch concierge business banking services.

Five Star Bancorp’s Positive Earnings Call Highlights Growth

The recent earnings call for Five Star Bancorp painted a generally positive picture, highlighting strong financial performance and strategic growth initiatives. Despite some challenges such as increased nonperforming loans and higher noninterest expenses, the overall sentiment remained optimistic, reflecting the company’s robust position in the financial sector.