FSBC Stock Analysis: Five Star Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.040m USD | 12M Return: 38.7% | US33830T1034 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.94M
EPS Trend: 40.2%
Qual. Beats: 7
Rev. Trend: 99.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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 founded in 1999 and headquartered in Rancho Cordova, California. The company primarily serves small and medium-sized businesses, professionals, and individuals across Northern California, offering a range of deposit products-including checking, savings, money market, and time deposit accounts-alongside debit cards, remote deposit capture, online and mobile banking, and direct deposit services.
On the lending side, Five Star provides commercial real estate loans, commercial land and construction loans, residential real estate and construction loans, farmland loans, SBA-guaranteed loans, consumer loans, and operating lines of credit. Its investment portfolio is composed of U.S. government agency securities, mortgage-backed securities, and municipal obligations-holdings typical of community and regional banks that use securities portfolios for liquidity management and yield support.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan concentration raises credit risk concerns
- Deposit costs rise amid intense competition for funding
| Net Income: 72.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.05 > 1.0 |
| NWC/Revenue: -1.68k% < 20% (prev -1.44k%; Δ -237.1% < -1%) |
| CFO/TA 0.02 > 3% & CFO 82.0m > Net Income 72.0m |
| Net Debt (-51.2m) to EBITDA (98.8m): -0.52 < 3 |
| Current Ratio: 0.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (21.3m) vs 12m ago 0.09% < -2% |
| Gross Margin: 60.39% > 18% (prev 56.14%; Δ 4.25% > 0.5%) |
| Asset Turnover: 5.68% > 50% (prev 5.28%; Δ 0.41% > 0%) |
| Interest Coverage Ratio: 0.96 > 6 (EBIT TTM 96.4m / Interest Expense TTM 100.0m) |
| A: -0.87 (Total Current Assets 136.6m - Total Current Liabilities 4.80b) / Total Assets 5.38b |
| B: 0.03 (Retained Earnings 178.3m / Total Assets 5.38b) |
| C: 0.02 (EBIT TTM 96.4m / Avg Total Assets 4.90b) |
| D: 0.10 (Book Value of Equity 473.8m / Total Liabilities 4.90b) |
| Altman-Z'' = -5.35 = D |
As of October 06, 2026, the stock is trading at USD 43.43 with a total of 136,799 shares traded. Over the past week, the price has changed by +0.12%, over one month by -6.76%, over three months by -10.86% and over the past year by +38.67%.
Current recommended Stop Loss: 40.70 (which is 6.3% or 2.8 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 | 51.8 | 19.3% |
P/E Trailing = 12.5355
P/S = 6.2026
P/B = 2.2477
Revenue TTM = 278.2m USD
EBIT TTM = 96.4m USD
EBITDA TTM = 98.8m USD
Long Term Debt = 74.1m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 85.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 11.3m
Net Debt = -51.2m USD (calculated: Debt 85.4m - CCE 136.6m)
Enterprise Value = 988.4m USD (1.04b + Debt 85.4m - CCE 136.6m)
Interest Coverage Ratio = 0.96 (Ebit TTM 96.4m / Interest Expense TTM 100.0m)
EV/FCF = 12.28x (Enterprise Value 988.4m / FCF TTM 80.5m)
FCF Yield = 8.14% (FCF TTM 80.5m / Enterprise Value 988.4m)
FCF Margin = 28.93% (FCF TTM 80.5m / Revenue TTM 278.2m)
Net Margin = 25.88% (Net Income TTM 72.0m / Revenue TTM 278.2m)
Gross Margin = 60.39% ((Revenue TTM 278.2m - Cost of Revenue TTM 110.2m) / Revenue TTM)
Gross Margin QoQ = 61.60% (prev 61.91%)
Tobins Q-Ratio = 0.18 (Enterprise Value 988.4m / Total Assets 5.38b)
Interest Expense / Debt = 117.1% (Interest Expense 100.0m / Debt 85.4m)
Taxrate = 25.27% (24.4m / 96.4m)
NOPAT = 72.0m (EBIT 96.4m * (1 - 25.27%))
Current Ratio = 0.03 (Total Current Assets 136.6m / Total Current Liabilities 4.80b)
Debt / Equity = 0.18 (Debt 85.4m / totalStockholderEquity, last quarter 473.8m)
Debt / EBITDA = -0.52 (Net Debt -51.2m / EBITDA 98.8m)
Debt / FCF = -0.64 (Net Debt -51.2m / FCF TTM 80.5m)
Total Stockholder Equity = 452.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.47% (Net Income 72.0m / Total Assets 5.38b)
RoE = 15.92% (Net Income TTM 72.0m / Total Stockholder Equity 452.4m)
RoCE = 18.30% (EBIT 96.4m / Capital Employed (Equity 452.4m + L.T.Debt 74.1m))
RoIC = 12.77% (NOPAT 72.0m / Invested Capital 563.8m)
WACC = 7.78% (E(1.04b)/V(1.12b) * Re(8.42%) + (debt cost/tax rate unavailable))
Discount Rate = 8.42% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 55.73 | Cagr: 9.74%
[DCF] Terminal Value 77.97% ; FCFF base≈75.5m ; Y1≈86.6m ; Y5≈127.4m
[DCF] Fair Price = 80.25 (EV 1.92b - Net Debt -51.2m = Equity 1.97b / Shares 24.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 40.18 | EPS CAGR: 6.08% | SUE: 1.30 | # QB: 7
Revenue Correlation: 99.88 | Revenue CAGR: 19.26% | SUE: 0.83 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.85 | Chg30d=-0.23% | Revisions=-57% | Analysts=5
EPS current Year (2026-12-31): EPS=3.49 | Chg30d=-0.23% | Revisions=-38% | GrowthEPS=+20.3% | GrowthRev=+24.6%
EPS next Year (2027-12-31): EPS=3.71 | Chg30d=-0.85% | Revisions=-38% | GrowthEPS=+6.5% | GrowthRev=+15.5%
[Analyst] Revisions Ratio: -59% (up=2, down=12)