FSBC logo

FIVE STAR BANCORP

FSBCNASDAQ
πŸ† #2460 by market capEarnings Oct 26US Equity
$42.36β–Ό $1.00 (βˆ’2.35%)
πŸŒ™ After hours$42.36β–² 0.00%Regular close Β· extended-hours price shown
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🏦Market Cap
$1.02B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+20.4%
Healthy
πŸ“ŠGross Margin
60.4%
High
πŸ’΅FCF Margin
28.9%
Strong
βš–οΈP/S Ratio
3.7x
Fair
Otter Score
64
Fair
No chart data available for FSBC.

Trading Snapshot

Day Range
$41.82 – $43.10
52-Week Range
$30.68 – $50.26
Volume
$2.43B
Avg Volume
$2.64B
Shares Outstanding
24.1M
Next Earnings
Nov 11, 2026

Fundamentals Snapshot

Annual Revenue
$255M
Last Q Revenue
$74M
P/E Ratio
12.5
P/S Ratio
3.7x
EPS (TTM)
$3.39
Dividend Yield
2.24%
Dilution (1yr)
+0.3%

Why Investors Own FSBC

  • βœ“High-growth profile β€” revenue up +27.5% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 40% gross margin and 27% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

FSBC logo

FIVE STAR BANCORP

FSBC
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$255Mβ–² +20.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
58.2%β–² +4.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$84Mβ–² +29.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$71Mβ–² +39.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
21.3Mβ–² +0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$421Mβ–² +$145M YoY
StockOtter Β· stockotter.space

About FIVE STAR BANCORP

Five Star Bancorp serves as the holding company for Five Star Bank, delivering a full spectrum of banking products and services. The institution caters to a diverse clientele, including small and medium-sized businesses, professionals, and individual customers. Clients can access various deposit options, such as money market accounts, both interest-bearing and non-interest-bearing checking accounts, savings accounts, and time deposits. The bank's lending portfolio encompasses commercial and residential real estate loans, general commercial financing, commercial land loans, agricultural land loans, and construction loans for both commercial and residential projects, alongside consumer and other credit facilities. Additionally, it provides debit cards, remote check deposit capabilities, online and mobile banking services, and direct deposit options. Operating in Northern California, Five Star Bancorp maintains seven branch locations and two dedicated loan production offices. The company was established in 1999 and its headquarters are located in Rancho Cordova, California.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$48.13
β–² +13.6% Upside
High Target$60.13
Low Target$43.79
Based on 26 analysts

Latest News & Updates

GlobeNewsWireΒ·15d ago

Five Star Bancorp Deepens Community Commitment with Appointment of Lydia Ramirez as Chief External Affairs Officer

New executive role places dedicated expertise behind Five Star Bank's commitment to listen, partner, and respond to communities across California New executive role places dedicated expertise behind Five Star Bank's comm

Defense WorldΒ·21d ago

Legal & General Group Plc Invests $934,000 in Five Star Bancorp $FSBC

Legal and General Group Plc purchased a new position in Five Star Bancorp (NASDAQ: FSBC) during the second quarter, according to the company in its most recent 13F filing with the SEC. The institutional investor purchase

Defense WorldΒ·28d ago

Connor Clark & Lunn Investment Management Ltd. Makes New Investment in Five Star Bancorp $FSBC

Connor Clark and Lunn Investment Management Ltd. acquired a new stake in shares of Five Star Bancorp (NASDAQ: FSBC) in the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commi

Fool - Investing NewsΒ·Jul 28

Regional Bank Director Purchases 31,363 Shares for $1.4 Million, According to Recent SEC Filing

Perry-Smith's indirect equity position now stands at ~$12.52 million following the July 22 transaction, reflecting confidence in the regional bank after a 59% stock surge over the past year.

The Motley FoolΒ·Jul 27

Five Star Bancorp Director Larry Allbaugh Buys $4.3 Million in Shares. What Does This Mean for Investors?

Larry Eugene Allbaugh acquired 96,591 shares for ~$4.3 million on July 22, 2026. Participation was conducted through multiple entities, including the Larry and Laura Allbaugh Living Trust, the Oates Administrative Trust,

GlobeNewsWireΒ·Jul 27

Five Star Bancorp Announces the Full Exercise and Closing of Underwriters' Option to Purchase Additional Shares in the Company's Underwritten Public Offering

RANCHO CORDOVA, Calif., July 27, 2026 (GLOBE NEWSWIRE) -- Five Star Bancorp (Nasdaq: FSBC) (β€œFive Star” or the β€œCompany”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the