FSBC Stock Analysis: Five Star Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.040m USD | 12M Return: 67.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.47M
EPS Trend: -1.0%
Qual. Beats: 6
Rev. Trend: 99.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Five Star Bancorp (NASDAQ: FSBC) is the holding company for Five Star Bank, a regional bank headquartered in Rancho Cordova, California, that primarily serves small and medium-sized businesses, professionals, and individuals in Northern California. Founded in 1999 and publicly listed since 2021, the company operates within the regional banking sector, where institutions typically focus on localized lending and deposit-gathering rather than nationwide consumer banking.
The bank generates revenue through a traditional community banking model, accepting deposits such as checking, savings, money market, and time deposit accounts, and originating a diverse loan portfolio that includes commercial real estate, construction, residential, farmland, SBA, and consumer loans. As a regional bank, Five Stars earnings are closely tied to net interest margin, the spread between loan yields and deposit costs, which makes its loan mix and funding base key performance drivers.
In addition to core lending and deposit services, Five Star supports its customers with digital and treasury management tools like online and mobile banking, debit cards, remote deposit capture, and direct deposit. It also maintains an investment portfolio composed of U.S. government agency securities, mortgage-backed securities, and municipal obligations, a typical liquidity and yield-management strategy used by community banks to supplement interest income from loans.
- CRE loan losses mount on office property exposure
- Net interest margin compresses as deposit costs rise
- Northern California loan concentration limits portfolio diversification
| Net Income: 67.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.08 > 1.0 |
| NWC/Revenue: -1.44k% < 20% (prev -1.44k%; Δ 1.50% < -1%) |
| CFO/TA 0.02 > 3% & CFO 76.1m > Net Income 67.1m |
| Net Debt (-549.5m) to EBITDA (92.7m): -5.93 < 3 |
| Current Ratio: 0.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (21.3m) vs 12m ago 0.16% < -2% |
| Gross Margin: 59.29% > 18% (prev 55.93%; Δ 3.36% > 0.5%) |
| Asset Turnover: 5.74% > 50% (prev 5.21%; Δ 0.52% > 0%) |
| Interest Coverage Ratio: 0.92 > 6 (EBIT TTM 90.4m / Interest Expense TTM 97.8m) |
| A: -0.76 (Total Current Assets 646.7m - Total Current Liabilities 4.47b) / Total Assets 5.03b |
| B: 0.03 (Retained Earnings 164.3m / Total Assets 5.03b) |
| C: 0.02 (EBIT TTM 90.4m / Avg Total Assets 4.64b) |
| D: 0.10 (Book Value of Equity 458.5m / Total Liabilities 4.57b) |
| Altman-Z'' = -4.64 = D |
As of July 08, 2026, the stock is trading at USD 48.94 with a total of 122,063 shares traded. Over the past week, the price has changed by +1.58%, over one month by +12.74%, over three months by +27.04% and over the past year by +67.53%.
Current recommended Stop Loss: 47.30 (which is 3.4% or 1.3 ATR below the current price).
Five Star Bancorp has received a consensus analysts rating of 4.25. Therefore, it is recommended to buy FSBC.
- StrongBuy: 2
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 46 | -6% |
P/E Trailing = 15.4476
P/S = 6.5946
P/B = 2.3105
Revenue TTM = 266.0m USD
EBIT TTM = 90.4m USD
EBITDA TTM = 92.7m USD
Long Term Debt = 74.1m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 97.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 11.5m
Net Debt = -549.5m USD (calculated: Debt 97.2m - CCE 646.7m)
Enterprise Value = 490.7m USD (1.04b + Debt 97.2m - CCE 646.7m)
Interest Coverage Ratio = 0.92 (Ebit TTM 90.4m / Interest Expense TTM 97.8m)
EV/FCF = 6.56x (Enterprise Value 490.7m / FCF TTM 74.8m)
FCF Yield = 15.25% (FCF TTM 74.8m / Enterprise Value 490.7m)
FCF Margin = 28.12% (FCF TTM 74.8m / Revenue TTM 266.0m)
Net Margin = 25.23% (Net Income TTM 67.1m / Revenue TTM 266.0m)
Gross Margin = 59.29% ((Revenue TTM 266.0m - Cost of Revenue TTM 108.3m) / Revenue TTM)
Gross Margin QoQ = 61.91% (prev 59.96%)
Tobins Q-Ratio = 0.10 (Enterprise Value 490.7m / Total Assets 5.03b)
Interest Expense / Debt = 100.7% (Interest Expense 97.8m / Debt 97.2m)
Taxrate = 25.73% (23.3m / 90.4m)
NOPAT = 67.1m (EBIT 90.4m * (1 - 25.73%))
Current Ratio = 0.14 (Total Current Assets 646.7m / Total Current Liabilities 4.47b)
Debt / Equity = 0.21 (Debt 97.2m / totalStockholderEquity, last quarter 458.5m)
Debt / EBITDA = -5.93 (Net Debt -549.5m / EBITDA 92.7m)
Debt / FCF = -7.35 (Net Debt -549.5m / FCF TTM 74.8m)
Total Stockholder Equity = 438.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.45% (Net Income 67.1m / Total Assets 5.03b)
RoE = 15.32% (Net Income TTM 67.1m / Total Stockholder Equity 438.1m)
RoCE = 17.64% (EBIT 90.4m / Capital Employed (Equity 438.1m + L.T.Debt 74.1m))
RoIC = 12.22% (NOPAT 67.1m / Invested Capital 549.1m)
WACC = 7.83% (E(1.04b)/V(1.14b) * Re(8.56%) + (debt cost/tax rate unavailable))
Discount Rate = 8.56% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 98.88 | Cagr: 9.96%
[DCF] Terminal Value 77.60% ; FCFF base≈71.4m ; Y1≈80.3m ; Y5≈112.3m
[DCF] Fair Price = 105.1 (EV 1.70b - Net Debt -549.5m = Equity 2.25b / Shares 21.4m; r=8.35% [WACC [floored]]; 5y FCF grow 12.67% → 2.50% )
EPS Correlation: -0.99 | EPS CAGR: -0.13% | SUE: 2.46 | # QB: 6
Revenue Correlation: 99.74 | Revenue CAGR: 19.84% | SUE: 0.79 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.86 | Chg30d=+0.00% | Revisions=+50% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.91 | Chg30d=+0.00% | Revisions=+25% | Analysts=5
EPS current Year (2026-12-31): EPS=3.56 | Chg30d=+0.00% | Revisions=+62% | GrowthEPS=+22.7% | GrowthRev=+22.2%
EPS next Year (2027-12-31): EPS=3.96 | Chg30d=+0.10% | Revisions=+29% | GrowthEPS=+11.2% | GrowthRev=+12.8%
[Analyst] Revisions Ratio: +69% (up=12, down=1)