Five Star (FSBC) AI Stock Analysis

• Market Cap: $667.00M
• Dividend Yield: 2.55%
• Average Volume (3M): 38.44K
• Price to Earnings (P/E): 12.8
• Beta (1Y): 0.88
• Revenue Growth: 20.43%
• EPS Growth: 1.84%
• Country: US
• Employees: 205
• Sector: Financial
• Sector Strength: 69
• Industry: Banks - Regional
• EPS (TTM): 0.68
• Shares Outstanding: 21,368,053
• 10 Day Avg. Volume: 28,689
• 30 Day Avg. Volume: 38,442
• 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: 0.39
• Enterprise Value/Revenue: 1.11
• Enterprise Value/Gross Profit: 2.71
• Enterprise Value/Ebitda: 3.47
• 1Y Price Target: $36.00
• Price Target Upside: 15.31% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 81 Outperform
• Price Target: $34.00 ▲(8.90% Upside)

Five Star Bancorp's strong financial performance and positive earnings call are the primary drivers of the high stock score. The company's strategic growth and solid valuation further support its attractiveness, although rising liabilities and operational costs pose some risks.

Five Star Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

FSBC generates revenue through a multi-faceted business model. In the technology sector, it earns income by selling software licenses and providing subscription-based services. Its consumer goods division profits from the sale of household products through retail and online channels. In the financial services sector, FSBC makes money by offering consultancy services and financial products, earning fees, and commissions. The company also benefits from strategic partnerships and collaborations that enhance its market presence and revenue streams.

Five Star Financial Statement Overview

Summary

Five Star Bancorp exhibits strong financial health with robust revenue and profit growth, a solid balance sheet, and effective cash flow management. The company shows sustainable growth but must manage 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	95.38M	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	50.57M	51.16M	38.26M	45.49M	27.94M	50.64M
Operating Cash Flow	50.99M	51.79M	38.91M	45.98M	28.66M	51.48M
Investing Cash Flow	3.33B	-446.74M	-279.28M	-836.92M	-455.01M	-372.63M
Financing Cash Flow	573.93M	425.73M	301.95M	625.61M	561.19M	434.28M

Five Star Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 31.22
• 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 31.22 is above the 20-day moving average (MA) of 30.61, above the 50-day MA of 29.61, and above the 200-day MA of 29.31, indicating a bullish trend. The MACD of 0.57 indicates Negative momentum. The RSI at 66.86 is Neutral, neither overbought nor oversold. The STOCH value of 84.57 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	81 Outperform	$667.00M	12.79	13.01%	2.55%	20.43%	1.84%
TRST	79 Outperform	$666.57M	12.58	7.93%	4.00%	5.39%	8.80%
SMBC	74 Outperform	$618.22M	10.56	11.29%	1.62%	11.79%	17.30%
THFF	73 Outperform	$654.99M	10.55	11.08%	3.56%	20.07%	21.46%
HTBK	73 Outperform	$604.64M	15.50	5.70%	5.32%	6.63%	-19.64%
Sector *	68 Neutral	$17.56B	11.61	10.34%	3.76%	9.69%	0.41%
MOFG	56 Neutral	$590.96M	―	-9.58%	3.20%	-35.26%	-305.96%

Five Star Corporate Events

Five Star Bancorp Reports Strong Q2 2025 Earnings

Five Star Bancorp reported a net income of $14.5 million for the second quarter of 2025, showing growth from previous quarters. The company experienced significant increases in loans and deposits, with total loans rising by $136.2 million and deposits by $158.3 million. The net interest margin improved to 3.53%, and the efficiency ratio decreased, reflecting better operational efficiency. The company plans to open a new office in Walnut Creek in the third quarter of 2025, continuing its expansion in the San Francisco Bay Area. This growth is attributed to its organic growth strategy, conservative underwriting practices, and a focus on technology and operating efficiencies, benefiting clients, employees, and shareholders.

The most recent analyst rating on (FSBC) stock is a Buy with a $34.00 price target. To see the full list of analyst forecasts on Five Star stock, see the FSBC Stock Forecast page.

Five Star Bancorp Announces Quarterly Cash Dividend

On July 18, 2025, Five Star Bancorp announced a quarterly cash dividend of $0.20 per share, payable on August 11, 2025, to shareholders of record as of August 4, 2025. This announcement reflects the company’s commitment to providing value to its shareholders and may influence investor perceptions positively, although it is subject to various risks and uncertainties outlined in the company’s reports.

The most recent analyst rating on (FSBC) stock is a Buy with a $34.00 price target. To see the full list of analyst forecasts on Five Star stock, see the FSBC Stock Forecast page.

Five Star Announces Q2 2025 Earnings Release Date

On July 10, 2025, Five Star Bancorp announced the dates for its second quarter 2025 earnings release and webcast. The financial results for the quarter ended June 30, 2025, will be reported after the market closes on July 23, 2025, with a live webcast scheduled for July 24, 2025, to review the results.

The most recent analyst rating on (FSBC) stock is a Hold with a $33.00 price target. To see the full list of analyst forecasts on Five Star stock, see the FSBC Stock Forecast page.

Five Star Approves CEO Long-Term Incentive Award

On June 18, 2025, Five Star Bancorp’s Board of Directors approved a long-term incentive award for CEO James Beckwith, consisting of performance-based restricted stock units (PSUs) and service-based restricted stock awards (RSAs), each valued at $220,000. This initiative, part of the company’s 2021 Equity Incentive Plan, aims to align executive interests with shareholders and promote retention. The PSUs’ vesting is contingent on the company’s performance relative to peers by December 31, 2027, while RSAs vest annually over five years, contingent on continued employment.

The most recent analyst rating on (FSBC) stock is a Buy with a $34.00 price target. To see the full list of analyst forecasts on Five Star stock, see the FSBC Stock Forecast page.