(FSBC) Five Star Bancorp - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US33830T1034

Deposits, Loans, Debit, Online Banking, Investment Securities

Regional Banks
Market Cap in USD: 782m
IPO / Inception: 2021-05-04
12m vs SPY: 8.18%

EPS (Earnings per Share)

EPS (Earnings per Share) of FSBC over the last years for every Quarter: "2020-12": 0.26, "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,
EPS CAGR: -46.18%
EPS Trend: -39.4%
Last SUE: -4.00
Qual. Beats: 0

Revenue

Revenue of FSBC over the last years for every Quarter: 2020-12: 22.97, 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: null,
Rev. CAGR: 31.36%
Rev. Trend: 95.3%
Last SUE: 0.49
Qual. Beats: 0

Dividends

Dividend Yield 2.62%
Yield on Cost 5y 3.74%
Yield CAGR 5y 27.79%
Payout Consistency 99.2%
Payout Ratio 29.6%
Risk via 5d forecast
Volatility 30.0%
Value at Risk 5%th 43.5%
Relative Tail Risk -12.03%
Reward TTM
Sharpe Ratio 0.88
Alpha 15.84
CAGR/Max DD 0.39
Character TTM
Hurst Exponent 0.559
Beta 0.678
Beta Downside 0.824
Drawdowns 3y
Max DD 36.41%
Mean DD 13.54%
Median DD 12.72%

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 (57.3m TTM) > 0 and > 6% of Revenue (6% = 14.7m TTM)
FCFTA 0.01 (>2.0%) and ΔFCFTA 0.69pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -1410 % (prev -1513 %; Δ 103.4pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.02 (>3.0%) and CFO 70.0m > Net Income 57.3m (YES >=105%, WARN >=100%)
Net Debt (-496.1m) to EBITDA (80.5m) ratio: -6.16 <= 3.0 (WARN <= 3.5)
Current Ratio 0.16 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (21.3m) change vs 12m ago 0.23% (target <= -2.0% for YES)
Gross Margin 57.21% (prev 55.74%; Δ 1.47pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 5.76% (prev 5.17%; Δ 0.59pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 0.83 (EBITDA TTM 80.5m / Interest Expense TTM 96.9m) >= 6 (WARN >= 3)

Altman Z'' -4.56

(A) -0.75 = (Total Current Assets 639.9m - Total Current Liabilities 4.10b) / Total Assets 4.64b
(B) 0.03 = Retained Earnings (Balance) 137.6m / Total Assets 4.64b
(C) 0.02 = EBIT TTM 80.1m / Avg Total Assets 4.26b
(D) 0.10 = Book Value of Equity 431.3m / Total Liabilities 4.21b
Total Rating: -4.56 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 74.31

1. Piotroski 3.0pt
2. FCF Yield 30.68%
3. FCF Margin 28.24%
4. Debt/Equity 0.20
5. Debt/Ebitda -6.16
6. ROIC - WACC (= 2.34)%
7. RoE 13.88%
8. Rev. Trend 95.34%
9. EPS Trend -39.41%

What is the price of FSBC shares?

As of January 16, 2026, the stock is trading at USD 36.79 with a total of 68,037 shares traded.
Over the past week, the price has changed by +1.77%, over one month by +0.32%, over three months by +16.31% and over the past year by +27.82%.

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.
  • Strong Buy: 2
  • Buy: 1
  • Hold: 1
  • Sell: 0
  • Strong Sell: 0

What are the forecasts/targets for the FSBC price?

Issuer Target Up/Down from current
Wallstreet Target Price 40.8 10.9%
Analysts Target Price 40.8 10.9%
ValueRay Target Price 41.5 12.8%

FSBC Fundamental Data Overview January 15, 2026

P/E Trailing = 13.5481
P/S = 5.5072
P/B = 1.8122
Revenue TTM = 245.7m USD
EBIT TTM = 80.1m USD
EBITDA TTM = 80.5m USD
Long Term Debt = 74.0m USD (from longTermDebt, last quarter)
Short Term Debt = 1.58m USD (from shortTermDebt, last fiscal year)
Debt = 84.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -496.1m USD (from netDebt column, last quarter)
Enterprise Value = 226.2m USD (781.6m + Debt 84.4m - CCE 639.9m)
Interest Coverage Ratio = 0.83 (Ebit TTM 80.1m / Interest Expense TTM 96.9m)
EV/FCF = 3.26x (Enterprise Value 226.2m / FCF TTM 69.4m)
FCF Yield = 30.68% (FCF TTM 69.4m / Enterprise Value 226.2m)
FCF Margin = 28.24% (FCF TTM 69.4m / Revenue TTM 245.7m)
Net Margin = 23.32% (Net Income TTM 57.3m / Revenue TTM 245.7m)
Gross Margin = 57.21% ((Revenue TTM 245.7m - Cost of Revenue TTM 105.1m) / Revenue TTM)
Gross Margin QoQ = 57.90% (prev 57.13%)
Tobins Q-Ratio = 0.05 (Enterprise Value 226.2m / Total Assets 4.64b)
Interest Expense / Debt = 30.20% (Interest Expense 25.5m / Debt 84.4m)
Taxrate = 26.49% (5.89m / 22.2m)
NOPAT = 58.9m (EBIT 80.1m * (1 - 26.49%))
Current Ratio = 0.16 (Total Current Assets 639.9m / Total Current Liabilities 4.10b)
Debt / Equity = 0.20 (Debt 84.4m / totalStockholderEquity, last quarter 431.3m)
Debt / EBITDA = -6.16 (Net Debt -496.1m / EBITDA 80.5m)
Debt / FCF = -7.15 (Net Debt -496.1m / FCF TTM 69.4m)
Total Stockholder Equity = 412.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.34% (Net Income 57.3m / Total Assets 4.64b)
RoE = 13.88% (Net Income TTM 57.3m / Total Stockholder Equity 412.8m)
RoCE = 16.45% (EBIT 80.1m / Capital Employed (Equity 412.8m + L.T.Debt 74.0m))
RoIC = 12.10% (NOPAT 58.9m / Invested Capital 486.7m)
WACC = 9.75% (E(781.6m)/V(866.1m) * Re(8.41%) + D(84.4m)/V(866.1m) * Rd(30.20%) * (1-Tc(0.26)))
Discount Rate = 8.41% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 11.26%
[DCF Debug] Terminal Value 75.78% ; FCFF base≈54.2m ; Y1≈66.9m ; Y5≈113.9m
Fair Price DCF = 89.52 (EV 1.42b - Net Debt -496.1m = Equity 1.91b / Shares 21.4m; r=9.75% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: -39.41 | EPS CAGR: -46.18% | SUE: -4.0 | # QB: 0
Revenue Correlation: 95.34 | Revenue CAGR: 31.36% | SUE: 0.49 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.77 | Chg30d=+0.000 | Revisions Net=+4 | Analysts=5
EPS next Year (2026-12-31): EPS=3.36 | Chg30d=+0.000 | Revisions Net=+4 | Growth EPS=+18.7% | Growth Revenue=+17.3%

Additional Sources for FSBC Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle