Five Star Bancorp
FSBC
NASDAQ·Financial Services·Banks - Regional·Mkt cap $1.1B
$46.96
▲ +1.19%
P/E
9.97
Mkt Cap
$1.1B
52-Wk Range
$30.68–$50.26
52-Week Range
$30.68 - $50.26
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 42.5% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Established local market presence with deep community relationships in Northern California since 1999
- Specialized expertise in small and medium-sized business lending with personalized service model
- Diversified loan portfolio including commercial real estate, farmland, and construction lending
- Digital banking capabilities including mobile banking, online services, and remote deposit capture
Bear Case
2 risks
- Low volatility (beta 0.5).
- Growth premium of 1.1x vs Commercial Banking peers. Reasonable for this growth rate.
Growth
Revenue decline expected
Expansion of commercial lending to growing small and medium-sized businesses in Northern California
Value
Growth premium of 1.1x vs Commercial Banking peers. Reasonable for this growth rate.
Momentum
Strong
+8.2% over 3m
Quality
Excellent
High-growth business (70% revenue growth, 60% gross margin). Profitable with strong growth momentum.
Dividend
Solid
2.02% yield
Smart-money signal
Who's buying FSBC right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 26, 2026
JUL 22, 2026
Reported EPS of $0.91 vs $0.86 consensus (+5.8% surprise). Revenue of $48.0M vs $47.7M expected (+0.5%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+5.8%
Revenue trend · last 8Q
—
—
+24%
+25%
+30%
+25%
+99%
+20%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$31.5M
$34.8M
$35.0M
$62.0M
$66.5M
$67.8M
$69.7M
$74.2M
Margins · last 8Q
Gross
61.6%
Operating
35.2%
Profit
26.1%
Wall Street consensus
3 analysts · 33% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
33%
Hold
67%
Sell
0%
Median Price Target
—
Latest: Keefe, Bruyette & Woods · May 1, 2026
vs Industry
How FSBC stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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