Five Star (FSBC) AI Stock Analysis

• Market Cap: $649.80M
• Dividend Yield: 2.63%
• Average Volume (3M): 52.70K
• Price to Earnings (P/E): 13.4
• Beta (1Y): 0.90
• Revenue Growth: 17.35%
• EPS Growth: -13.53%
• Country: US
• Employees: 205
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.62
• Shares Outstanding: 21,360,990
• 10 Day Avg. Volume: 75,557
• 30 Day Avg. Volume: 52,695
• PEG Ratio: N/A
• Price to Book (P/B): 1.38
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.52
• Enterprise Value/Market Cap: 0.29
• Enterprise Value/Revenue: 0.23
• Enterprise Value/Gross Profit: 1.53
• Enterprise Value/Ebitda: 0.72
• 1Y Price Target: $33.33
• Price Target Upside: 9.57% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 78 Outperform
• Price Target: $32.00 ▲(5.19%Upside)

Five Star Bancorp demonstrates strong financial performance with growing revenue and solid profitability. The company is strategically expanding, with positive loan and deposit growth and improved net interest margins. Despite some technical indicators suggesting caution, the stock's valuation is attractive, and the earnings call sentiment remains positive. Managing rising liabilities and operational costs will be important for sustained performance.

Five Star Business Overview & Revenue Model

Company Description

Five Star Business Corporation (FSBC) is a diversified company operating in multiple sectors including technology, consumer goods, and financial services. It offers a wide range of products and services such as software solutions, household products, and financial consultancy, catering to both individual consumers and businesses.

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 demonstrates robust financial health with strong revenue and profit growth, a solid balance sheet, and effective cash flow management. However, rising liabilities and operational costs require attention 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	221.25M	212.20M	180.70M	123.79M	87.82M	82.96M
Gross Profit	123.74M	118.01M	113.20M	102.24M	82.15M	64.78M
EBITDA	70.02M	66.60M	68.23M	64.49M	47.76M	37.72M
Net Income	48.15M	45.67M	47.73M	44.80M	42.44M	35.93M
Balance Sheet
Total Assets	4.25B	4.05B	3.59B	3.23B	2.56B	1.95B
Cash, Cash Equivalents and Short-Term Investments	553.71M	454.66M	435.52M	385.83M	588.60M	429.15M
Total Debt	80.52M	80.75M	249.35M	177.85M	28.39M	28.32M
Total Liabilities	3.84B	3.66B	3.31B	2.97B	2.32B	1.82B
Stockholders Equity	406.45M	396.62M	285.77M	252.82M	235.05M	133.78M
Cash Flow
Free Cash Flow	66.39M	51.16M	38.26M	45.49M	27.94M	50.64M
Operating Cash Flow	67.01M	51.79M	38.91M	45.98M	28.66M	51.48M
Investing Cash Flow	-524.16M	-446.74M	-279.28M	-836.92M	-455.01M	-372.63M
Financing Cash Flow	724.39M	425.73M	301.95M	625.61M	561.19M	434.28M

Five Star Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 30.42
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 30.42 is above the 20-day moving average (MA) of 27.98, above the 50-day MA of 27.99, and above the 200-day MA of 29.27, indicating a bullish trend. The MACD of 0.47 indicates Negative momentum. The RSI at 71.66 is Negative, neither overbought nor oversold. The STOCH value of 92.68 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
HTBK	79 Outperform	$658.46M	15.68	6.12%	4.86%	5.14%	-24.91%
TRST	78 Outperform	$676.72M	13.29	7.63%	4.05%	5.63%	-3.82%
FSBC	78 Outperform	$649.80M	13.39	13.78%	2.63%	17.35%	-13.53%
SMBC	75 Outperform	$656.87M	11.68	11.12%	1.58%	13.48%	8.31%
THFF	73 Outperform	$675.25M	12.31	10.02%	3.58%	16.84%	-1.03%
Sector *	67 Neutral	$17.01B	11.90	9.70%	3.76%	11.63%	-9.47%
MOFG	49 Neutral	$638.88M	―	-8.74%	3.16%	-27.65%	-343.61%

Five Star Corporate Events

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.

Five Star Reports Q1 2025 Financial Results

On April 28, 2025, Five Star Bancorp announced its financial results for the first quarter of 2025, reporting a net income of $13.1 million, slightly down from the previous quarter but up from the same period in 2024. The company experienced significant growth in deposits and loans, with total deposits increasing by $178.4 million and loans by $89.1 million. The bank’s operations in the San Francisco Bay Area saw substantial growth, contributing to a strong financial performance and a ranking as the third best-performing bank in its asset category by S&P Global Market Intelligence.

Five Star Approves New Executive Compensation Program

On April 17, 2025, Five Star Bancorp’s Board of Directors approved a new long-term incentive compensation program for its executive officers, which includes performance-based and service-based restricted stock units. This initiative aims to align executives’ interests with shareholders and strengthen the company’s pay-for-performance philosophy, with vesting conditions tied to the company’s performance relative to peers and executive retention.

Five Star Bancorp Declares Quarterly Cash Dividend

On April 21, 2025, Five Star Bancorp announced a quarterly cash dividend of $0.20 per share of common stock, payable on May 12, 2025, to shareholders of record as of May 5, 2025. This decision reflects the company’s ongoing commitment to returning value to its shareholders and could potentially enhance its attractiveness to investors, reinforcing its position in the banking industry.

Five Star Announces Q1 2025 Earnings Release Date

On April 15, 2025, Five Star Bancorp announced the dates for its first quarter 2025 earnings release and webcast. The company will report its financial results for the quarter ended March 31, 2025, after the market closes on April 28, 2025, with a live webcast scheduled for April 29, 2025, to discuss the results.