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Five Star
(NASDAQ:FSBC)
Five Star (FSBC) vs. SPDR S&P 500 ETF (SPY)
Five Star Business Overview & Revenue Model
Five Star Earnings Call Summary
Five Star Financial Statement Overview
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 232.94M | 212.20M | 180.70M | 123.79M | 87.82M | 82.96M |
| Gross Profit | 130.78M | 118.01M | 113.20M | 102.24M | 82.15M | 64.78M |
| EBITDA | 74.94M | 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 | 543.26M | 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
Five Star Risk Analysis
Five Star Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $738.80M | 13.37 | 8.35% | 3.72% | 5.75% | 20.52% | |
77 Outperform | $709.82M | 12.33 | 13.95% | 2.31% | 22.24% | 18.63% | |
75 Outperform | $745.72M | 9.73 | 10.39% | 2.33% | 17.99% | 11.08% | |
71 Outperform | $636.50M | 8.60 | 12.46% | 3.69% | 16.57% | 69.64% | |
70 Outperform | $666.31M | 11.80 | 7.31% | 2.91% | 12.09% | -15.97% | |
68 Neutral | $633.93M | 9.30 | 11.18% | 2.87% | 0.67% | 17.88% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
Five Star Corporate Events
On November 4, 2025, Five Star Bank entered into change in control agreements with two of its executive officers, Heather Luck and Michael Rizzo. These agreements outline the compensation and benefits the executives will receive if their employment is terminated following a qualifying change in control, including severance payments and accelerated vesting of equity awards. The agreements are set to expire on December 31, 2028, if no qualifying change in control occurs.
The most recent analyst rating on (FSBC) stock is a Hold with a $40.00 price target. To see the full list of analyst forecasts on Five Star stock, see the FSBC Stock Forecast page.
Five Star Bancorp is a bank holding company based in Rancho Cordova, California, operating through its subsidiary, Five Star Bank, with a focus on providing banking services in Northern California. The company reported a strong financial performance for the third quarter of 2025, with net income reaching $16.3 million, a notable increase from the previous quarters and the same period last year. Key financial metrics showed improvement, including a rise in return on average assets and equity, as well as an increase in net interest margin. The company also experienced significant growth in loans and deposits, driven by its organic growth strategy and expansion efforts, including the opening of a new office in Walnut Creek, California. Looking ahead, Five Star Bancorp remains committed to enhancing shareholder value and maintaining its position as a trusted banking partner, with management expressing confidence in continued growth and operational efficiency.
Five Star Bancorp’s recent earnings call highlighted a robust financial performance, marked by impressive loan and deposit growth, an expanding net interest margin, and excellent asset quality. Despite these achievements, the company faces challenges such as increased noninterest expenses and the difficulty of replicating its exceptional deposit growth in future quarters. Additionally, high payoff and paydown activity in certain business sectors pose ongoing challenges.
Five Star Bancorp reported a net income of $16.3 million for the third quarter of 2025, marking an increase from previous quarters. The company achieved significant growth in loans and deposits, with a notable increase in non-wholesale deposits. The bank’s efficiency ratio improved, and a new office was opened in Walnut Creek, California, to meet regional demand. The company’s strategy of organic growth and focus on customer experience has driven its financial performance, positioning it well in the banking industry.
The most recent analyst rating on (FSBC) stock is a Buy with a $41.00 price target. To see the full list of analyst forecasts on Five Star stock, see the FSBC Stock Forecast page.
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.
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.