(FSBC) Five Star Bancorp - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 863m USD | Total Return: 53.2% in 12m

Deposits, Loans, Investments
Total Rating 53
Safety 34
Buy Signal 0.67
Banks - Regional
Industry Rotation: +1.2
Market Cap: 863M
Avg Turnover: 3.29M
Risk 3d forecast
Volatility29.2%
VaR 5th Pctl4.62%
VaR vs Median-3.78%
Reward TTM
Sharpe Ratio1.60
Rel. Str. IBD75.2
Rel. Str. Peer Group91.7
Character TTM
Beta0.831
Beta Downside0.921
Hurst Exponent0.576
Drawdowns 3y
Max DD25.42%
CAGR/Max DD1.33
CAGR/Mean DD3.89
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": 0.87,
EPS CAGR: -0.13%
EPS Trend: -1.0%
Last SUE: 2.46
Qual. Beats: 6
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: 69.734,
Rev. CAGR: 19.84%
Rev. Trend: 99.7%
Last SUE: 0.79
Qual. Beats: 0

Warnings

No concerns identified

Tailwinds

Confidence

Description: FSBC Five Star Bancorp

Five Star Bancorp (FSBC) is a bank holding company for Five Star Bank, operating primarily in Northern California.

The company serves small and medium-sized businesses, professionals, and individuals. Regional banks typically focus on localized markets and community-based financial services.

FSBC offers various deposit products, including checking, savings, money market, and term certificate accounts. It also provides digital banking services such as online and mobile banking.

Loan products include commercial real estate, construction, residential, farmland, and U.S. Small Business Administration loans. Commercial real estate loans are a significant component of many regional bank portfolios.

The investment portfolio comprises U.S. government agency securities, mortgage-backed securities, and obligations of states and political subdivisions. Diversified investment portfolios are common for financial institutions to manage liquidity and generate income.

For more detailed financial metrics and comparative analysis, consider exploring ValueRays platform.

Headlines to Watch Out For
  • Northern California economic growth drives loan demand
  • Interest rate fluctuations impact net interest margin
  • Commercial real estate market health affects loan portfolio
  • Regulatory changes influence compliance costs and operations
  • Small business lending environment dictates loan growth
Piotroski VR‑10 (Strict) 4.0
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: -1.56k% < 20% (prev -1.44k%; Δ -123.4% < -1%)
CFO/TA 0.02 > 3% & CFO 76.1m > Net Income 67.1m
Net Debt (39.5m) to EBITDA (89.9m): 0.44 < 3
Current Ratio: 0.01 > 1.5 & < 3
Outstanding Shares: last quarter (21.3m) vs 12m ago 0.16% < -2%
Gross Margin: 59.29% > 18% (prev 0.56%; Δ 5.87k% > 0.5%)
Asset Turnover: 5.74% > 50% (prev 5.21%; Δ 0.52% > 0%)
Interest Coverage Ratio: 0.43 > 6 (EBITDA TTM 89.9m / Interest Expense TTM 97.8m)
Altman Z'' -5.14
A: -0.83 (Total Current Assets 46.1m - Total Current Liabilities 4.20b) / Total Assets 5.03b
B: 0.03 (Retained Earnings 164.3m / Total Assets 5.03b)
C: 0.01 (EBIT TTM 42.3m / Avg Total Assets 4.64b)
D: 0.10 (Book Value of Equity 458.5m / Total Liabilities 4.57b)
Altman-Z'' = -5.14 = D
Beneish M -3.34
DSRI: 0.41 (Receivables 11.9m/24.4m, Revenue 266.0m/221.2m)
GMI: 0.94 (GM 59.29% / 55.93%)
AQI: 1.14 (AQ_t 0.99 / AQ_t-1 0.87)
SGI: 1.20 (Revenue 266.0m / 221.2m)
TATA: -0.00 (NI 67.1m - CFO 76.1m) / TA 5.03b)
Beneish M = -3.34 (Cap -4..+1) = AA
What is the price of FSBC shares? As of May 22, 2026, the stock is trading at USD 42.00 with a total of 99,956 shares traded.
Over the past week, the price has changed by +2.61%, over one month by +4.99%, over three months by +7.03% and over the past year by +53.23%.
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?
Analysts Target Price 45.1 7.4%
Five Star Bancorp (FSBC) - Fundamental Data Overview as of 18 May 2026
P/E Trailing = 12.8222
P/S = 5.4738
P/B = 1.9459
Revenue TTM = 266.0m USD
EBIT TTM = 42.3m USD
EBITDA TTM = 89.9m USD
Long Term Debt = 74.0m USD (from longTermDebt, last fiscal year)
 Short Term Debt = unknown (none)
 Debt = 85.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 39.5m USD (from netDebt column, last quarter)
Enterprise Value = 902.9m USD (863.4m + Debt 85.6m - CCE 46.1m)
Interest Coverage Ratio = 0.43 (Ebit TTM 42.3m / Interest Expense TTM 97.8m)
EV/FCF = 12.07x (Enterprise Value 902.9m / FCF TTM 74.8m)
FCF Yield = 8.29% (FCF TTM 74.8m / Enterprise Value 902.9m)
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 = 0.18 (Enterprise Value 902.9m / Total Assets 5.03b)
Interest Expense / Debt = 27.90% (Interest Expense 23.9m / Debt 85.6m)
Taxrate = 25.61% (6.41m / 25.0m)
NOPAT = 31.5m (EBIT 42.3m * (1 - 25.61%))
Current Ratio = 0.01 (Total Current Assets 46.1m / Total Current Liabilities 4.20b)
Debt / Equity = 0.19 (Debt 85.6m / totalStockholderEquity, last quarter 458.5m)
Debt / EBITDA = 0.44 (Net Debt 39.5m / EBITDA 89.9m)
Debt / FCF = 0.53 (Net Debt 39.5m / 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 = 8.27% (EBIT 42.3m / Capital Employed (Equity 438.1m + L.T.Debt 74.0m))
RoIC = 6.23% (NOPAT 31.5m / Invested Capital 505.3m)
WACC = 9.98% (E(863.4m)/V(949.0m) * Re(8.91%) + D(85.6m)/V(949.0m) * Rd(27.90%) * (1-Tc(0.26)))
Discount Rate = 8.91% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 98.88 | Cagr: 9.96%
[DCF] Terminal Value 75.41% ; FCFF base≈71.4m ; Y1≈88.1m ; Y5≈150.4m
[DCF] Fair Price = 83.72 (EV 1.83b - Net Debt 39.5m = Equity 1.79b / Shares 21.4m; r=9.98% [WACC]; 5y FCF grow 25.0% → 3.0% )
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=+4.12% | Revisions=+43% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.91 | Chg30d=+1.80% | Revisions=+20% | Analysts=5
EPS current Year (2026-12-31): EPS=3.56 | Chg30d=+4.22% | Revisions=+56% | GrowthEPS=+22.7% | GrowthRev=+22.2%
EPS next Year (2027-12-31): EPS=3.95 | Chg30d=+0.97% | Revisions=+25% | GrowthEPS=+11.1% | GrowthRev=+12.7%
[Analyst] Revisions Ratio: +56%