Five Star (FSBC)
NASDAQ:FSBC
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Five Star
(NASDAQ:FSBC)
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Rating:76Outperform
Price Target:
$46.00
â–²(11.06% Upside)
Action:Reiterated
Date:04/28/26
FSBC scores well due to solid financial quality (profitability, capital position, and strong cash conversion) and a positive earnings-call outlook with strong growth and asset-quality metrics. Technicals add support via an established uptrend, and valuation is favorable with a low P/E and dividend. The main constraint is the sharp TTM revenue decline and recent weakening in cash-flow growth, which increases reliance on management’s growth execution.
Positive Factors
Capital & Balance Sheet Strength
Sustained profitability and low leverage provide a durable capital buffer and loss-absorption capacity. Controlled debt-to-equity supports regulatory flexibility, dividend payouts and organic loan growth without needing immediate wholesale funding, underpinning stability over the next several quarters.
Negative Factors
Sharp Revenue Decline
A pronounced TTM revenue drop erodes the top-line base that funds investments, provisions and dividends. Even with resilient margins, continued revenue weakness would force heavier reliance on loan growth or cost cuts to sustain earnings, increasing execution risk over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Capital & Balance Sheet Strength
Sustained profitability and low leverage provide a durable capital buffer and loss-absorption capacity. Controlled debt-to-equity supports regulatory flexibility, dividend payouts and organic loan growth without needing immediate wholesale funding, underpinning stability over the next several quarters.
Read all positive factors
Five Star (FSBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$863.38M
Dividend Yield2.18%
Average Volume (3M)61.66K
Price to Earnings (P/E)10.8
Beta (1Y)0.90
Revenue Growth19.90%
EPS Growth38.87%
CountryUS
Employees205
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.16
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 Cap1.06
Enterprise Value/Revenue3.46
Enterprise Value/Gross Profit5.83
Enterprise Value/Ebitda10.23
Forecast
1Y Price Target
$44.83Price Target Upside8.24% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.53
Revenue Forecast (FY)$192.56M
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 mo...
How the Company Makes Money
FSBC makes money primarily through its banking subsidiary by generating (1) net interest income and (2) noninterest (fee) income.
1) Net interest income (core revenue stream)
- Commercial loans: The bank earns interest on loans made to customers,...
Five Star Earnings Call Summary
Earnings Call Date:Apr 27, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Jul 27, 2026
Earnings Call Sentiment Positive
The call conveyed a broadly positive operational and financial performance: strong sequential and annualized growth in loans and deposits, improved profitability metrics (EPS, net income, ROE, NIM), very low nonperforming loans, and strategic market expansion. Offsetting items include growth-related provisioning, elevated expense due to continued hiring and expansion investments (partly driving a one-time release impact on efficiency), remaining brokered funding costs, and limited near-term NIM upside without rate moves. Overall, positives (robust growth, profitability, asset quality, and strategic expansion) materially outweigh the challenges, though management cautioned about competition and volatility.Positive Updates
Earnings Per Share Expansion
EPS increased to $0.87 in Q1 2026, up $0.40 from the prior quarter, reflecting meaningful sequential earnings improvement.
Negative Updates
Provision for Credit Losses
Recorded a $2.7 million provision for credit loss during the quarter primarily related to loan growth, increasing operating provisions versus periods without similar growth-driven provisioning.
Read all updates
Q1-2026 Updates
Positive
Negative
Earnings Per Share Expansion
EPS increased to $0.87 in Q1 2026, up $0.40 from the prior quarter, reflecting meaningful sequential earnings improvement.
Read all positive updates
Company Guidance
Management guided to continued disciplined, growth-driven results: they expect roughly 10–12% balance-sheet growth for the year on both loans and deposits, with net interest margin settling around 3.70%–3.75% (possible modest upside of a few bps) and net interest income to be driven by loan growth; they plan to eliminate wholesale/brokered funding by 12/31 (wholesale was down $81.9M this quarter; brokered yields ~3.82%), and affirmed strong liquidity and capital (all ratios well above regulatory thresholds). Key operating targets and metrics called out include loans held for investment up $138.5M (14% annualized), total deposits up $268.3M (26% annualized) with non-wholesale deposits +$350.2M and noninterest-bearing deposits ≈ $1.23B (≈28% of deposits), ~75% of loans adjustable/floating, Q1 net income $18.6M and EPS $0.87, provision for credit losses $2.7M, nonperforming loans 7 bps, normalized expense run-rate roughly $14.8M–$15.5M (efficiency ~38.6%), and dividends of $0.25 paid plus $0.25 declared.Five Star Financial Statement Overview
Summary
Income Statement
71
Positive
Balance Sheet
74
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 266.02M | 255.47M | 212.20M | 180.70M | 123.79M | 87.82M |
| Gross Profit | 157.73M | 148.74M | 118.01M | 113.20M | 102.24M | 82.15M |
| EBITDA | 89.86M | 86.78M | 66.60M | 68.23M | 64.49M | 47.76M |
| Net Income | 67.12M | 61.61M | 45.67M | 47.73M | 44.80M | 42.44M |
Balance Sheet | ||||||
| Total Assets | 5.03B | 4.75B | 4.05B | 3.59B | 3.23B | 2.56B |
| Cash, Cash Equivalents and Short-Term Investments | 46.12M | 564.86M | 454.66M | 435.52M | 385.83M | 588.60M |
| Total Debt | 85.62M | 85.91M | 80.75M | 249.35M | 177.85M | 28.39M |
| Total Liabilities | 4.57B | 4.31B | 3.66B | 3.31B | 2.97B | 2.32B |
| Stockholders Equity | 458.52M | 445.83M | 396.62M | 285.77M | 252.82M | 235.05M |
Cash Flow | ||||||
| Free Cash Flow | 74.80M | 71.42M | 51.16M | 38.26M | 45.49M | 27.94M |
| Operating Cash Flow | 76.07M | 72.61M | 51.79M | 38.91M | 45.98M | 28.66M |
| Investing Cash Flow | -599.12M | -544.11M | -446.74M | -279.28M | -836.92M | -455.01M |
| Financing Cash Flow | 714.84M | 626.00M | 425.73M | 301.95M | 625.61M | 561.19M |
Five Star Technical Analysis
Positive
41.42
Price Trends
38.95
Positive
37.84
Positive
34.86
Positive
Market Momentum
0.79
Negative
70.05
Negative
80.24
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 41.42 is above the 20-day moving average (MA) of 38.85, above the 50-day MA of 38.95, and above the 200-day MA of 34.86, indicating a bullish trend. The MACD of 0.79 indicates Negative momentum. The RSI at 70.05 is Negative, neither overbought nor oversold. The STOCH value of 80.24 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FSBC.
Five Star Risk Analysis
Five Star disclosed 49 risk factors in its most recent earnings report. Five Star reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 3 New Risks
1.
We could be subject to changes in tax laws, regulations and interpretations or challenges to our income tax provision. Q4, 2025
2.
The adoption of artificial intelligence tools by us and our third-party vendors and service providers may increase the risk of errors, omissions, unfair treatment, or fraudulent behavior by our employees, clients, or counterparties, or other third parties. Q4, 2025
3.
Inflation can have an adverse impact on our business and on our customers. Q4, 2025
Five Star Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $863.38M | 10.75 | 15.32% | 2.18% | 19.90% | 38.87% | |
75 Outperform | $845.43M | 11.97 | 9.21% | 3.48% | 6.30% | 27.79% | |
74 Outperform | $775.83M | 9.48 | 12.81% | 3.19% | 9.58% | 46.74% | |
73 Outperform | $731.81M | 9.92 | 11.29% | 2.48% | -6.68% | 13.04% | |
69 Neutral | $877.08M | 9.35 | 10.06% | 2.12% | 9.48% | 15.28% | |
68 Neutral | $788.73M | 21.38 | 6.26% | 2.58% | 17.28% | -22.85% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
FSBC
Five Star
40.39
12.07
42.64%
THFF
First Financial Indiana
65.24
14.15
27.70%
GSBC
Great Southern Bancorp
67.18
10.71
18.96%
MPB
Mid Penn Bancorp
31.12
3.50
12.66%
TRST
TrustCo Bank
48.38
17.42
56.28%
BFST
Business First Bancshares
26.84
2.86
11.90%
Five Star Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Five Star Bancorp posts strong Q1 2026 results
Positive
Apr 28, 2026
Five Star Bancorp reported robust first quarter 2026 results on April 27, 2026, with net income rising to $18.6 million from $17.6 million in the prior quarter and $13.1 million a year earlier, driving diluted earnings per share to $0.87 and deliv...
Dividends
Five Star Bancorp Declares Quarterly Cash Dividend Payout
Positive
Apr 20, 2026
On April 17, 2026, Five Star Bancorp announced that its board had declared a quarterly cash dividend of $0.25 per share on its voting common stock. The dividend was scheduled to be paid on May 11, 2026, to shareholders of record as of May 4, 2026,...
Financial Disclosures
Five Star Bancorp Schedules First-Quarter 2026 Results Webcast
Neutral
Apr 15, 2026
On April 14, 2026, Five Star Bancorp announced that it expects to report financial results for the first quarter ended March 31, 2026, after the market closes on April 27, 2026. The company also scheduled a live webcast for analysts and investors ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.