(FSBC) Five Star Bancorp - Overview
Stock: Deposits, Loans, Debit, Online Banking, Investment Securities
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.24% |
| Yield on Cost 5y | 4.00% |
| Yield CAGR 5y | 27.79% |
| Payout Consistency | 99.2% |
| Payout Ratio | 24.1% |
| Risk 5d forecast | |
|---|---|
| Volatility | 30.3% |
| Relative Tail Risk | -12.5% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.14 |
| Alpha | 27.83 |
| Character TTM | |
|---|---|
| Beta | 0.684 |
| Beta Downside | 0.847 |
| Drawdowns 3y | |
|---|---|
| Max DD | 35.87% |
| CAGR/Max DD | 0.48 |
Description: FSBC Five Star Bancorp December 26, 2025
Five Star Bancorp (NASDAQ:FSBC) is the holding company for Five Star Bank, a community-focused lender serving small- and medium-sized enterprises, professionals, and individuals in Northern California.
The bank’s deposit franchise includes checking, savings, money-market, term certificates and time deposits, complemented by digital channels such as online/mobile banking, remote deposit capture, debit cards and direct-deposit services.
Its loan portfolio spans commercial real-estate, land-and-construction, residential and farmland financing, SBA-backed loans, consumer loans and revolving lines of credit, while its investment holdings consist primarily of U.S. government agency securities, mortgage-backed securities and obligations of states and political subdivisions.
As of the latest quarterly filing (Q3 2024), FSBC reported a net interest margin of roughly 3.6% and a loan-to-deposit ratio near 78%, both in line with regional-bank averages; the bank’s efficiency ratio hovered around 58%, indicating solid cost control. Key sector drivers include the Federal Reserve’s policy-rate trajectory, which influences net interest income, and California’s housing-market dynamics that affect both residential loan demand and credit-risk exposure.
For a deeper quantitative view, you may explore the FSBC profile on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 61.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.16 > 1.0 |
| NWC/Revenue: -1156 % < 20% (prev -1451 %; Δ 295.5% < -1%) |
| CFO/TA 0.01 > 3% & CFO 52.1m > Net Income 61.6m |
| Net Debt (-472.9m) to EBITDA (83.7m): -5.65 < 3 |
| Current Ratio: 0.16 > 1.5 & < 3 |
| Outstanding Shares: last quarter (21.3m) vs 12m ago 0.25% < -2% |
| Gross Margin: 58.05% > 18% (prev 0.56%; Δ 5749 % > 0.5%) |
| Asset Turnover: 5.83% > 50% (prev 5.24%; Δ 0.59% > 0%) |
| Interest Coverage Ratio: 0.63 > 6 (EBITDA TTM 83.7m / Interest Expense TTM 97.0m) |
Altman Z'' -3.82
| A: -0.63 (Total Current Assets 567.6m - Total Current Liabilities 3.51b) / Total Assets 4.67b |
| B: 0.03 (Retained Earnings 151.0m / Total Assets 4.67b) |
| C: 0.01 (EBIT TTM 60.7m / Avg Total Assets 4.36b) |
| D: 0.10 (Book Value of Equity 445.8m / Total Liabilities 4.31b) |
| Altman-Z'' Score: -3.82 = D |
What is the price of FSBC shares?
Over the past week, the price has changed by +5.11%, over one month by +14.75%, over three months by +21.34% and over the past year by +37.57%.
Is FSBC a buy, sell or hold?
- StrongBuy: 2
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the FSBC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 42.4 | 2.5% |
| Analysts Target Price | 42.4 | 2.5% |
| ValueRay Target Price | 48.1 | 16.3% |
FSBC Fundamental Data Overview January 31, 2026
P/S = 5.673
P/B = 1.8409
Revenue TTM = 254.4m USD
EBIT TTM = 60.7m USD
EBITDA TTM = 83.7m USD
Long Term Debt = 74.0m USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 97.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -472.9m USD (from netDebt column, last quarter)
Enterprise Value = 374.0m USD (843.8m + Debt 97.8m - CCE 567.6m)
Interest Coverage Ratio = 0.63 (Ebit TTM 60.7m / Interest Expense TTM 97.0m)
EV/FCF = 7.26x (Enterprise Value 374.0m / FCF TTM 51.5m)
FCF Yield = 13.77% (FCF TTM 51.5m / Enterprise Value 374.0m)
FCF Margin = 20.24% (FCF TTM 51.5m / 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 = 0.08 (Enterprise Value 374.0m / Total Assets 4.67b)
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 = 0.16 (Total Current Assets 567.6m / Total Current Liabilities 3.51b)
Debt / Equity = 0.22 (Debt 97.8m / totalStockholderEquity, last quarter 445.8m)
Debt / EBITDA = -5.65 (Net Debt -472.9m / EBITDA 83.7m)
Debt / FCF = -9.18 (Net Debt -472.9m / FCF TTM 51.5m)
Total Stockholder Equity = 425.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.41% (Net Income 61.6m / Total Assets 4.67b)
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 = 9.46% (NOPAT 46.6m / Invested Capital 492.1m)
WACC = 9.55% (E(843.8m)/V(941.6m) * Re(8.44%) + D(97.8m)/V(941.6m) * Rd(24.91%) * (1-Tc(0.23)))
Discount Rate = 8.44% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 11.28%
[DCF Debug] Terminal Value 76.40% ; FCFF base≈51.4m ; Y1≈63.4m ; Y5≈107.9m
Fair Price DCF = 86.99 (EV 1.39b - Net Debt -472.9m = Equity 1.86b / Shares 21.4m; r=9.55% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 15.87 | EPS CAGR: 10.03% | SUE: 2.25 | # QB: 5
Revenue Correlation: 94.90 | Revenue CAGR: 30.83% | SUE: 1.84 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.79 | Chg30d=+0.014 | Revisions Net=+4 | Analysts=5
EPS current Year (2026-12-31): EPS=3.42 | Chg30d=+0.066 | Revisions Net=+4 | Growth EPS=+18.1% | Growth Revenue=+19.9%
EPS next Year (2027-12-31): EPS=3.93 | Chg30d=+0.098 | Revisions Net=+0 | Growth EPS=+14.8% | Growth Revenue=+13.4%