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FIVE STAR BANCORP

FSBCNASDAQ
🏆 #2459 by market capEarnings Oct 26US Equity
$168.06▲ $10.40 (+6.19%)
Simulated price
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24h▲ 6.2%
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🏦Market Cap
$1.02B
Small Cap
📈Revenue Growth (YoY)
+20.4%
Healthy
📊Gross Margin
60.4%
High
💵FCF Margin
28.9%
Strong
⚖️P/S Ratio
3.7x
Fair
Otter Score
64
Fair
No chart data available for FSBC.

Trading Snapshot

Day Range
$165.93 – $171.01
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

  • ✓High-growth profile — revenue up +27.5% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 40% gross margin and 27% free-cash-flow margin.
  • ✓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.
$255M▲ +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%▲ +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.
$84M▲ +29.4% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$71M▲ +39.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
21.3M▲ +0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$421M▲ +$145M YoY
StockOtter · 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 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Fair
64/100

Analyst Price Target

ⓘ
Average Target
$190.94
▲ +13.6% Upside
High Target$238.57
Low Target$173.75
Based on 26 analysts

Latest News & Updates

🚀
Bloomberg·2h ago

FIVE STAR BANCORP tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

🛰️
CNBC·5h ago

Analysts lift FSBC price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

🌌
Reuters·1d ago

FIVE STAR BANCORP announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.