Company Overview
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. In addition, the company offers loan products, such as commercial real estate loans; commercial land and construction loans; residential real estate and construction loans; farmland loans; the U.S. small business administration loans; and consumer and other loans, as well as operating lines of credit. Further, its investment portfolio consists of U.S. government agency securities, mortgage-backed securities, and obligations of states and political subdivisions. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
Why Investors Should Care
Generates a return on equity of 15.5%, reflecting efficient use of shareholder capital.
Net profit has compounded at 11.4% per year over the last five years.
Trades at an undemanding P/E of 15.1.
Maintains a net profit margin of 42.6%.
Offers a dividend yield of 2.23%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +26.9%, earnings +40.7%.
- 5-Year Trend Long-term compounding — profit CAGR 11.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 26.90% |
Compounded Profit Growth
| 5 Years: | 11.39% |
| 1 Year: | 40.70% |
Stock Price Performance
| 1 Year: | +59.70% |
| 6 Months: | +30.47% |
| 3 Months: | +18.76% |
| 1 Month: | +7.03% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)58.82 · Neutral
P/E of 15.13 is above the sector median of 13.30 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 42.6%.
- Profit CAGR of 11.4% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | FSBC Five Star Bancorp R2K | 47.65 | 15.13 | $1.02B | 2.23% | - | 15.52% | - | 11.39% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 7.01M | 10.12M | 9.34M | 10.28M | 9.83M | 11.03M | 9.86M | 9.95M | 11.70M | 13.16M | 12.73M | 11.04M | 10.63M | 10.78M | 10.94M | 13.11M | 14.51M | 16.34M | 18.62M |
| Diluted EPS | 720.00 | 1.05 | 0.94 | 0.93 | 0.67 | 0.64 | 0.58 | 0.58 | 0.68 | 0.77 | 0.74 | 0.64 | 0.62 | 0.51 | 0.52 | 0.62 | 0.68 | 0.77 | 0.87 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Net Income | 35.93M | 42.44M | 44.80M | 47.73M | 45.67M | 61.61M |
| Diluted EPS | 3.57 | 2.83 | 2.61 | 2.78 | 2.26 | 2.90 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Total Assets | - | 1.95B | 2.56B | 3.23B | 3.59B | 4.05B | 4.75B |
| Total Equity | 108.88M | 133.78M | 235.05M | 252.82M | 285.77M | 396.62M | 445.83M |
| Cash & Equivalents | 177.37M | 290.49M | 425.33M | - | - | - | - |
| Total Liabilities | - | 1.82B | 2.32B | 2.97B | 3.31B | 3.66B | 4.31B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | 51.48M | 28.66M | 45.98M | 38.91M | 51.79M | 72.61M |
| Investing Cash Flow | -372.63M | -455.01M | -836.92M | -279.28M | -446.74M | -544.11M |
| Financing Cash Flow | 434.28M | 561.19M | 625.61M | 301.95M | 425.73M | 626.00M |
| Capital Expenditure | -833.00K | -717.00K | -481.00K | -653.00K | -628.00K | -1.20M |
| Free Cash Flow | 50.64M | 27.94M | 45.49M | 38.26M | 51.16M | 71.42M |
| Dividends Paid | - | 51.94M | 15.30M | 12.94M | 16.24M | 17.09M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - |
| ROE % | 26.9% | 18.1% | 17.7% | 16.7% | 11.5% | 13.8% |
| ROCE % | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | T. Rowe Price Investment Management, Inc. | 9.47% | 2.02M | $98.58M |
| 2 | Davis Asset Management, L.P. | 7.07% | 1.51M | $73.64M |
| 3 | Blackrock Inc. | 5.57% | 1.19M | $58.04M |
| 4 | Vanguard Capital Management LLC | 3.09% | 661.33K | $32.22M |
| 5 | Adage Capital Partners GP L.L.C. | 2.38% | 508.33K | $24.77M |
| 6 | Franklin Resources, Inc. | 2.21% | 473.26K | $23.06M |
| 7 | CAPTRUST Financial Advisors | 2.18% | 466.98K | $22.75M |
| 8 | American Century Companies Inc | 2.15% | 459.31K | $22.38M |
| 9 | Geode Capital Management, LLC | 1.89% | 404.41K | $19.70M |
| 10 | Kennedy Capital Management, LLC | 1.77% | 377.58K | $18.40M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for FSBC
Five Star Bancorp sets July 22 earnings release, webcast July 23 - Stock Titan
<a href="https://news.google.com/rss/articles/CBMiuwFBVV95cUxPTnkyVm8xUDk1N3kyUUJ3VURBMmJuX1VSVVpmLUdIUFZCS1RETFF3TVlBM2RXbTNUaDIwOTk3bTZvN1QwVnlUdkNxMEMzTXFFUlpnZTF1RWJxdUxJQW16eWx3N0tpN0hJTmhpNzRtbzNmUUFjR29SaHRQRXlJNXBnajdMZlA4WTdPZDl4eX…
Five Star Bancorp (FSBC) Stock Draws Fresh Price Target Split As Analysts Rework Assumptions - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMimAFBVV95cUxQMFRoLXFuY1BoaFZKY3E0WXlFYVlJekRtYmVkVVFUMWw0UzJmaERzSVo1UzlnWGo4R29XTlV3MHZ1dnZ6cWo2eGtscWFUUDV2UFpCdmRqVVQzV0VhekZtNGFqSjhFckRycU1qZGxLU2F2ei1UNDN6RTlGOWVvNnQ2U1hodE04dlA0OUNkN2…
Five Star Bancorp Announces Date for Second Quarter 2026 Financial Results and Conference Call - Quiver Quantitative
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Five Star Bancorp (NASDAQ: FSBC) schedules Q2 2026 earnings release and investor webcast - Stock Titan
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Is Five Star Bancorp’s (FSBC) Lodi Push a Hint About Its Long-Term Niche Strategy? - simplywall.st
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Five Star Bancorp: A CRE Focused Bank With An Exemplary Track Record (NASDAQ:FSBC) - Seeking Alpha
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FSBC — Frequently Asked Questions
What is the current share price of Five Star Bancorp (FSBC)?
As of 2026-07-14 21:23 PDT, Five Star Bancorp (FSBC) trades at $47.65 on NasdaqGS. Its 52-week range is $28.71 to $49.56.
What is the market capitalisation of FSBC?
Five Star Bancorp (FSBC) has a market capitalisation of $1.02B on NasdaqGS.
What is the P/E ratio of FSBC?
FSBC trades at a trailing price-to-earnings (P/E) ratio of 15.13. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 2.09.
Does FSBC pay a dividend?
Five Star Bancorp (FSBC) currently offers a dividend yield of 2.23%.
What is the return on equity (ROE) of FSBC?
FSBC has a return on equity (ROE) of 15.52%.
Is FSBC a good stock to buy?
This page provides a data-driven analysis of Five Star Bancorp (FSBC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.