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FSBC

Five Star Bancorp

FSBC

NASDAQ·Financial Services·Banks - Regional·Mkt cap $1.1B

$48.66

▼ -1.82%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$28.34 - $50.01

P/E

15.40

Fwd P/E

13.68

Beta

0.54

Div Yield

1.85%

Avg Vol

117.4K

Shares Out

21.4M

Mkt Cap

$1.1B

Price action

Price chart

Up 63.5% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

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 1.2x 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 1.2x vs Commercial Banking peers. Reasonable for this growth rate.

Momentum

Hot

+27.0% over 3m

Quality

Strong

High-growth business (102% revenue growth, 59% gross margin). Profitable with strong growth momentum.

Dividend

Modest

1.85% yield

Earnings track record

Latest print - beat on both lines

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Jul 22, 2026

“
Q2 26 RECAP

APR 27, 2026

Reported EPS of $0.87 vs $0.80 consensus (+8.8% surprise). Revenue of $45.1M vs $44.5M expected (+1.4%). Beat on both top and bottom lines.

EPS beat +8.8%
Rev beat +1.4%
Double beat

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+8.8%

Next: Jul 22, 2026

Revenue trend · last 8Q

—

—

—

+24%

+25%

+30%

+25%

+99%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$30.4M

$31.5M

$34.8M

$35.0M

$62.0M

$66.5M

$67.8M

$69.7M

Margins · last 8Q

Gross

—

Operating

—

Profit

26.7%

View full earnings history →

Wall Street consensus

3 analysts · 33% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

1

33%

Hold

2

67%

Sell

0%

Median Price Target

$45.75

▼ -6.0% vs $48.66

Low $43.00
Median $45.75
High $48.50

Latest: Keefe, Bruyette & Woods · May 1, 2026

2 analysts covering

View full analyst page →

vs Industry

How FSBC stacks vs Banks - Regional

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.