(FSBC) Five Star Bancorp - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 819m USD | Total Return: 55.1% in 12m

Total Rating 49
Safety 69
Buy Signal 0.56
Banks - Regional +8.3
Regional Banks +8.1
Market Cap: 819m
Avg Trading Vol: 2.94M USD
ATR: 3.09%
Peers RS (IBD): 88.5
Risk 5d forecast
Volatility30.1%
Rel. Tail Risk-12.9%
Reward TTM
Sharpe Ratio1.22
Alpha25.18
Character TTM
Beta0.835
Beta Downside1.436
Drawdowns 3y
Max DD25.42%
CAGR/Max DD1.16
EPS (Earnings per Share) EPS (Earnings per Share) of FSBC over the last years for every Quarter: "2021-03": 0.26, "2021-06": 0.67, "2021-09": 0.64, "2021-12": 0.66, "2022-03": 0.58, "2022-06": 0.58, "2022-09": 0.68, "2022-12": 0.77, "2023-03": 0.77, "2023-06": 0.74, "2023-09": 0.64, "2023-12": 0.63, "2024-03": 0.62, "2024-06": 0.51, "2024-09": 0.52, "2024-12": 0.63, "2025-03": 0.62, "2025-06": 0.68, "2025-09": 0.77, "2025-12": 0.83, "2026-03": 0,
EPS CAGR: -46.07%
EPS Trend: -34.3%
Last SUE: -4.00
Qual. Beats: 0
Revenue Revenue of FSBC over the last years for every Quarter: 2021-03: 20.577, 2021-06: 20.936, 2021-09: 22.398, 2021-12: 23.907, 2022-03: 24.757, 2022-06: 27.569, 2022-09: 32.817, 2022-12: 38.645, 2023-03: 41.427, 2023-06: 45.289, 2023-09: 46.137, 2023-12: 47.848, 2024-03: 49.077, 2024-06: 50.274, 2024-09: 53.756, 2024-12: 59.09, 2025-03: 58.127, 2025-06: 61.967, 2025-09: 66.494, 2025-12: 67.821, 2026-03: null,
Rev. CAGR: 30.83%
Rev. Trend: 94.9%
Last SUE: 1.84
Qual. Beats: 1
Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: FSBC Five Star Bancorp
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. In addition, the company offers loan products, such as commercial real estate loans; commercial land and construction loans; residential real estate and construction loans; farmland loans; the U.S. small business administration loans; and consumer and other loans, as well as operating lines of credit. Further, its investment portfolio consists of U.S. government agency securities, mortgage-backed securities, and obligations of states and political subdivisions. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
Headlines to Watch Out For
Piotroski VR‑10 (Strict) 3.0
Net Income: 61.6m TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.24 > 1.0
NWC/Revenue: 198.5% < 20% (prev -1.45k%; Δ 1.65k% < -1%)
CFO/TA 0.02 > 3% & CFO 72.6m > Net Income 61.6m
Net Debt (-375.1m) to EBITDA (83.7m): -4.48 < 3
Current Ratio: 254.0 > 1.5 & < 3
Outstanding Shares: last quarter (21.3m) vs 12m ago 0.25% < -2%
Gross Margin: 58.05% > 18% (prev 0.56%; Δ 5.75k% > 0.5%)
Asset Turnover: 5.78% > 50% (prev 5.24%; Δ 0.54% > 0%)
Interest Coverage Ratio: 0.63 > 6 (EBITDA TTM 83.7m / Interest Expense TTM 97.0m)
Altman Z'' 1.00
A: 0.11 (Total Current Assets 507.0m - Total Current Liabilities 2.00m) / Total Assets 4.75b
B: 0.03 (Retained Earnings 151.0m / Total Assets 4.75b)
C: 0.01 (EBIT TTM 60.7m / Avg Total Assets 4.40b)
D: 0.10 (Book Value of Equity 445.8m / Total Liabilities 4.31b)
Altman-Z'' Score: 1.00 = BB
Beneish M -3.40
DSRI: 0.41 (Receivables 11.9m/24.4m, Revenue 254.4m/212.2m)
GMI: 0.96 (GM 58.05% / 55.61%)
AQI: 1.01 (AQ_t 0.89 / AQ_t-1 0.88)
SGI: 1.20 (Revenue 254.4m / 212.2m)
TATA: -0.00 (NI 61.6m - CFO 72.6m) / TA 4.75b)
Beneish M-Score: -3.40 (Cap -4..+1) = AA
What is the price of FSBC shares? As of April 06, 2026, the stock is trading at USD 38.31 with a total of 45,204 shares traded.
Over the past week, the price has changed by +1.92%, over one month by -0.34%, over three months by +5.80% and over the past year by +55.09%.
Is FSBC a buy, sell or hold? 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
What are the forecasts/targets for the FSBC price?
Wallstreet Target Price 42.8 11.7%
Analysts Target Price 42.8 11.7%
FSBC Fundamental Data Overview as of 06 April 2026
P/E Trailing = 13.2103
P/S = 5.5057
P/B = 1.8349
Revenue TTM = 254.4m USD
EBIT TTM = 60.7m USD
EBITDA TTM = 83.7m USD
Long Term Debt = 74.0m USD (from longTermDebt, last quarter)
 Short Term Debt = unknown (none)
 Debt = 97.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -375.1m USD (from netDebt column, last quarter)
Enterprise Value = 349.1m USD (818.9m + Debt 97.8m - CCE 567.6m)
Interest Coverage Ratio = 0.63 (Ebit TTM 60.7m / Interest Expense TTM 97.0m)
EV/FCF = 4.89x (Enterprise Value 349.1m / FCF TTM 71.4m)
FCF Yield = 20.45% (FCF TTM 71.4m / Enterprise Value 349.1m)
FCF Margin = 28.07% (FCF TTM 71.4m / Revenue TTM 254.4m)
Net Margin = 24.22% (Net Income TTM 61.6m / Revenue TTM 254.4m)
Gross Margin = 58.05% ((Revenue TTM 254.4m - Cost of Revenue TTM 106.7m) / Revenue TTM)
Gross Margin QoQ = 59.96% (prev 57.90%)
Tobins Q-Ratio = 0.07 (Enterprise Value 349.1m / Total Assets 4.75b)
Interest Expense / Debt = 24.91% (Interest Expense 24.4m / Debt 97.8m)
Taxrate = 23.32% (5.37m / 23.0m)
NOPAT = 46.6m (EBIT 60.7m * (1 - 23.32%))
 Current Ratio = 254.0 (out of range, set to none) (Total Current Assets 507.0m / Total Current Liabilities 2.00m)
 Debt / Equity = 0.22 (Debt 97.8m / totalStockholderEquity, last quarter 445.8m)
Debt / EBITDA = -4.48 (Net Debt -375.1m / EBITDA 83.7m)
Debt / FCF = -5.25 (Net Debt -375.1m / FCF TTM 71.4m)
Total Stockholder Equity = 425.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.40% (Net Income 61.6m / Total Assets 4.75b)
RoE = 14.49% (Net Income TTM 61.6m / Total Stockholder Equity 425.1m)
RoCE = 12.17% (EBIT 60.7m / Capital Employed (Equity 425.1m + L.T.Debt 74.0m))
RoIC = 9.33% (NOPAT 46.6m / Invested Capital 499.1m)
WACC = 10.01% (E(818.9m)/V(916.7m) * Re(8.92%) + D(97.8m)/V(916.7m) * Rd(24.91%) * (1-Tc(0.23)))
Discount Rate = 8.92% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 11.28%
[DCF] Terminal Value 75.33% ; FCFF base≈63.3m ; Y1≈78.1m ; Y5≈133.3m
[DCF] Fair Price = 93.07 (EV 1.61b - Net Debt -375.1m = Equity 1.99b / Shares 21.4m; r=10.01% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -34.29 | EPS CAGR: -46.07% | SUE: -4.0 | # QB: 0
Revenue Correlation: 94.90 | Revenue CAGR: 30.83% | SUE: 1.84 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.83 | Chg7d=-0.002 | Chg30d=-0.002 | Revisions Net=+3 | Analysts=5
EPS current Year (2026-12-31): EPS=3.41 | Chg7d=-0.010 | Chg30d=-0.010 | Revisions Net=+3 | Growth EPS=+17.7% | Growth Revenue=+19.6%
EPS next Year (2027-12-31): EPS=3.92 | Chg7d=-0.016 | Chg30d=-0.016 | Revisions Net=+3 | Growth EPS=+14.7% | Growth Revenue=+13.3%
[Analyst] Revisions Ratio: +0.60 (4 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.4% (Discount Rate 8.9% - Earnings Yield 7.6%)
[Growth] Growth Spread = +19.7% (Analyst 21.1% - Implied 1.4%)
External Resources
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