Symbols / FSBC Stock $40.93 +0.81% Five Star Bancorp

Financial Services • Banks - Regional • United States • NMS
FSBC (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. James Eugene Beckwith
Exch · Country NMS · United States
Market Cap 874.93M
Enterprise Value 316.09M
Income 67.12M
Sales 157.73M
FCF (ttm) —
Book/sh 21.45
Cash/sh 30.15
Employees 233
Insider 10d —
IPO May 04, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 26.98%
P/E 12.99
Forward P/E 10.35
PEG —
P/S 5.55
P/B 1.91
P/C —
EV/EBITDA —
EV/Sales 2.00
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.15
EPS next Y 3.95
EPS Growth 40.70%
Revenue Growth 26.90%
EPS Gr Q/Q 42.00%
Rev Gr Q/Q —
Earnings (next) 2026-07-20
Earnings (prior) 2026-04-27
ROA 1.45%
ROE 15.52%
ROIC —
Gross Margin 0.00%
Oper. Margin 60.28%
Profit Margin 42.55%
Shs Outstand 21.38M
Shs Float 14.76M
Insider Own 28.23%
Instit Own 58.87%
Short Float 2.06%
Short Ratio 3.54
Short Interest 345.43K
52W High 42.26
vs 52W High -3.15%
52W Low 26.20
vs 52W Low 56.22%
Beta 0.53
Impl. Vol. 6.73%
Rel Volume 0.67
Avg Volume 86.69K
Volume 57.96K
Target (mean) $45.10
Tgt Median $44.00
Tgt Low $43.00
Tgt High $48.50
# Analysts 5
Recom Buy
Prev Close $40.60
Price $40.93
Change 0.81%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$45.10
Mean price target
2. Current target
$40.93
Latest analyst target
3. DCF / Fair value
$47.25
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$40.93
Low
$43.00
High
$48.50
Mean
$45.10

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-05-01 main Keefe, Bruyette & Woods Market Perform → Market Perform $43
2026-04-29 main DA Davidson Buy → Buy $49
2026-04-29 main Stephens & Co. Equal-Weight → Equal-Weight $43
2026-01-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $41
2026-01-28 main DA Davidson Buy → Buy $45
2025-10-30 main Keefe, Bruyette & Woods Market Perform → Market Perform $40
2025-10-29 reit Raymond James Outperform → Outperform $40
2025-10-10 init Janney Montgomery Scott — → Buy $37
2025-07-28 main Keefe, Bruyette & Woods Market Perform → Market Perform $33
2025-07-25 main DA Davidson Buy → Buy $39
2025-04-30 main DA Davidson Buy → Buy $37
2025-04-30 main Raymond James Outperform → Outperform $31
2025-01-30 main DA Davidson Buy → Buy $39
2025-01-30 main Stephens & Co. Overweight → Overweight $36
2025-01-30 main Keefe, Bruyette & Woods Market Perform → Market Perform $35
2024-12-04 main Keefe, Bruyette & Woods Market Perform → Market Perform $37
2024-10-30 main DA Davidson Buy → Buy $35
2024-07-26 main Stephens & Co. Overweight → Overweight $32
2024-07-26 main DA Davidson Buy → Buy $34
2024-07-26 main Keefe, Bruyette & Woods Market Perform → Market Perform $31
News
RSS: Latest FSBC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-07 LEE MICHAEL EUGENE Officer — 1,641 $41.26 $67,708
2026-05-06 RAMIREZ-MEDINA LYDIA ANN Chief Operating Officer — 400 $40.99 $16,396
2026-03-09 BECKWITH JAMES EUGENE Chief Executive Officer — 4,000 $36.57 $146,620
2026-02-20 LEE MICHAEL EUGENE Officer — 1,200 $39.30 $47,160
2026-02-17 LEE MICHAEL EUGENE Officer — 1,200 $40.74 $48,882
2026-01-29 REYNOSO RANDALL E Director — 974 $0.00 $0
2026-01-29 LUCAS DONNA L Director — 974 $0.00 $0
2026-01-29 RAMOS KEVIN FRANCIS Director — 974 $0.00 $0
2026-01-29 NICKUM DAVID FRANK Director — 974 $0.00 $0
2026-01-29 RIGGS JUDSON TEICHERT Director — 974 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
157.02
+25.66%
124.96
+6.62%
117.20
+7.58%
108.94
Operating Revenue
157.02
+25.66%
124.96
+6.62%
117.20
+7.58%
108.94
Selling General And Administration
43.01
+20.30%
35.76
+15.13%
31.06
+22.61%
25.33
Selling And Marketing Expense
3.18
+31.81%
2.41
+0.33%
2.40
+25.94%
1.91
General And Administrative Expense
39.84
+19.47%
33.34
+16.37%
28.65
+22.34%
23.42
Salaries And Wages
37.88
+19.48%
31.71
+17.02%
27.10
+20.05%
22.57
Other Gand A
—
—
—
—
Reconciled Depreciation
2.25
+19.71%
1.88
+16.44%
1.61
-1.47%
1.64
Net Income
61.61
+34.89%
45.67
-4.32%
47.73
+6.55%
44.80
Pretax Income
83.73
+29.37%
64.72
-2.84%
66.62
+5.98%
62.86
Net Interest Income
151.91
+26.89%
119.71
+7.96%
110.88
+7.58%
103.07
Interest Expense
97.03
+11.22%
87.24
+37.38%
63.50
+327.68%
14.85
Interest Income
248.93
+20.29%
206.95
+18.68%
174.38
+47.88%
117.92
Gain On Sale Of Security
0.00
0.00
+100.00%
-0.17
-3440.00%
0.01
Tax Provision
22.13
+16.15%
19.05
+0.89%
18.88
+4.57%
18.06
Tax Rate For Calcs
0.00
-10.22%
0.00
+3.86%
0.00
-1.36%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
61.61
+34.89%
45.67
-4.32%
47.73
+6.55%
44.80
Net Income From Continuing Operation Net Minority Interest
61.61
+34.89%
45.67
-4.32%
47.73
+6.55%
44.80
Net Income From Continuing And Discontinued Operation
61.61
+34.89%
45.67
-4.32%
47.73
+6.55%
44.80
Net Income Continuous Operations
61.61
+34.89%
45.67
-4.32%
47.73
+6.55%
44.80
Normalized Income
61.61
+34.89%
45.67
-4.32%
47.73
+6.55%
44.80
Net Income Common Stockholders
61.61
+34.89%
45.67
-4.32%
47.73
+6.55%
44.80
Diluted EPS
2.90
+28.32%
2.26
-18.71%
2.78
+6.51%
2.61
Basic EPS
2.90
+28.32%
2.26
-18.71%
2.78
+6.51%
2.61
Basic Average Shares
21.22
+5.31%
20.15
+17.40%
17.17
+0.22%
17.13
Diluted Average Shares
21.27
+5.29%
20.21
+17.56%
17.19
+0.13%
17.17
Diluted NI Availto Com Stockholders
61.61
+34.89%
45.67
-4.32%
47.73
+6.55%
44.80
Insurance And Claims
1.95
+19.27%
1.64
+5.01%
1.56
+83.18%
0.85
Occupancy And Equipment
2.78
+9.23%
2.55
+14.83%
2.22
+7.72%
2.06
Other Non Interest Expense
14.07
+18.15%
11.91
+10.93%
10.73
+12.66%
9.53
Professional Expense And Contract Services Expense
3.72
+20.96%
3.08
+19.53%
2.58
+4.38%
2.47
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
4,754.86
+17.31%
4,053.28
+12.81%
3,593.12
+11.34%
3,227.16
Cash And Cash Equivalents
506.95
+42.22%
356.46
+8.87%
327.43
+21.34%
269.84
Cash Financial
33.98
+0.28%
33.88
+25.55%
26.99
-17.12%
32.56
Other Short Term Investments
57.91
-5.49%
61.27
-43.31%
108.08
-6.82%
115.99
Receivables
34.38
+41.05%
24.37
+7.94%
22.58
+202.95%
7.45
Accounts Receivable
11.90
+15.65%
10.29
+14.75%
8.97
+20.34%
7.45
Other Receivables
22.48
+59.62%
14.08
+3.45%
13.61
—
Net PPE
12.91
+64.91%
7.83
+13.35%
6.91
+23.65%
5.59
Gross PPE
18.92
+43.70%
13.17
+13.09%
11.64
+19.57%
9.74
Accumulated Depreciation
-6.01
-12.59%
-5.34
-12.71%
-4.74
-14.09%
-4.15
Machinery Furniture Equipment
5.34
+16.33%
4.59
+11.58%
4.11
+9.28%
3.76
Other Properties
10.93
+71.54%
6.37
+17.81%
5.41
+35.82%
3.98
Leases
2.66
+20.27%
2.21
+4.00%
2.12
+6.57%
1.99
Investments And Advances
109.00
-1.13%
110.24
-6.54%
117.96
-5.95%
125.42
Total Liabilities Net Minority Interest
4,309.03
+17.84%
3,656.65
+10.56%
3,307.35
+11.20%
2,974.33
Payables And Accrued Expenses
—
—
—
14.48
Payables
—
—
—
14.48
Accounts Payable
—
—
—
14.48
Long Term Debt And Capital Lease Obligation
85.91
+6.39%
80.75
-67.62%
249.35
+40.20%
177.85
Long Term Debt
74.04
+0.20%
73.89
-69.68%
243.75
+40.40%
173.61
Long Term Capital Lease Obligation
11.87
+73.14%
6.86
+22.38%
5.60
+32.05%
4.24
Stockholders Equity
445.83
+12.41%
396.62
+38.79%
285.77
+13.03%
252.82
Common Stock Equity
445.83
+12.41%
396.62
+38.79%
285.77
+13.03%
252.82
Capital Stock
303.99
+0.48%
302.53
+37.20%
220.50
+0.44%
219.54
Common Stock
303.99
+0.48%
302.53
+37.20%
220.50
+0.44%
219.54
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
21.37
+0.23%
21.32
+23.54%
17.26
+0.09%
17.24
Ordinary Shares Number
21.37
+0.23%
21.32
+23.54%
17.26
+0.09%
17.24
Retained Earnings
150.99
+41.82%
106.46
+38.20%
77.04
+64.83%
46.74
Gains Losses Not Affecting Retained Earnings
-9.14
+26.09%
-12.37
-5.13%
-11.77
+12.54%
-13.45
Other Equity Adjustments
-9.14
+26.09%
-12.37
-5.13%
-11.77
+12.54%
-13.45
Total Equity Gross Minority Interest
445.83
+12.41%
396.62
+38.79%
285.77
+13.03%
252.82
Total Capitalization
519.87
+10.49%
470.52
-11.14%
529.52
+24.18%
426.43
Invested Capital
519.87
+10.49%
470.52
-11.14%
529.52
+24.18%
426.43
Total Debt
85.91
+6.39%
80.75
-67.62%
249.35
+40.20%
177.85
Capital Lease Obligations
11.87
+73.14%
6.86
+22.38%
5.60
+32.05%
4.24
Net Tangible Assets
445.83
+12.41%
396.62
+38.79%
285.77
+13.03%
252.82
Tangible Book Value
445.83
+12.41%
396.62
+38.79%
285.77
+13.03%
252.82
Available For Sale Securities
49.08
+5.62%
46.47
+583.21%
6.80
+19.74%
5.68
Cash Cash Equivalents And Federal Funds Sold
506.95
+42.22%
356.46
+8.87%
327.43
+21.34%
269.84
Held To Maturity Securities
2.02
-19.52%
2.51
-18.43%
3.08
-18.08%
3.76
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
72.61
+40.22%
51.79
+33.08%
38.91
-15.36%
45.98
Cash Flow From Continuing Operating Activities
72.61
+40.22%
51.79
+33.08%
38.91
-15.36%
45.98
Net Income From Continuing Operations
61.61
+34.89%
45.67
-4.32%
47.73
+6.55%
44.80
Depreciation Amortization Depletion
2.25
+19.71%
1.88
+16.44%
1.61
-1.47%
1.64
Depreciation
—
—
—
1.64
Depreciation And Amortization
2.25
+19.71%
1.88
+16.44%
1.61
-1.47%
1.64
Other Non Cash Items
-3.33
-134.79%
-1.42
+85.19%
-9.59
-41.57%
-6.77
Stock Based Compensation
1.46
+26.21%
1.16
+20.17%
0.96
-12.47%
1.10
Deferred Tax
-0.58
-137.86%
-0.24
+72.91%
-0.90
+53.81%
-1.94
Deferred Income Tax
-0.58
-137.86%
-0.24
+72.91%
-0.90
+53.81%
-1.94
Operating Gains Losses
-1.06
+41.45%
-1.82
+47.55%
-3.47
-31.51%
-2.64
Gain Loss On Investment Securities
0.00
0.00
-100.00%
0.17
+3440.00%
-0.01
Change In Working Capital
1.61
+262.00%
-0.99
+63.41%
-2.71
-310.32%
1.29
Change In Receivables
-3.38
-233.25%
2.54
+168.37%
-3.71
+27.24%
-5.10
Changes In Account Receivables
-3.38
-233.25%
2.54
+168.37%
-3.71
+27.24%
-5.10
Change In Payables And Accrued Expense
6.10
+333.70%
-2.61
-237.64%
1.90
-74.24%
7.36
Change In Payable
6.10
+333.70%
-2.61
-237.64%
1.90
-74.24%
7.36
Change In Account Payable
6.10
+333.70%
-2.61
-237.64%
1.90
-74.24%
7.36
Change In Other Current Liabilities
-1.12
-21.94%
-0.92
-1.78%
-0.90
+7.98%
-0.98
Investing Cash Flow
-544.11
-21.79%
-446.74
-59.96%
-279.28
+66.63%
-836.92
Cash Flow From Continuing Investing Activities
-544.11
-21.79%
-446.74
-59.96%
-279.28
+66.63%
-836.92
Net PPE Purchase And Sale
-1.20
-90.61%
-0.63
+3.83%
-0.65
-35.76%
-0.48
Purchase Of PPE
-1.20
-90.61%
-0.63
+3.83%
-0.65
-35.76%
-0.48
Capital Expenditure
-1.20
-90.61%
-0.63
+3.83%
-0.65
-35.76%
-0.48
Net Investment Purchase And Sale
6.44
-2.38%
6.59
-35.04%
10.15
-30.02%
14.50
Purchase Of Investment
-3.17
-8.94%
-2.91
-13.68%
-2.56
+3.18%
-2.64
Sale Of Investment
9.60
+1.08%
9.50
-25.24%
12.71
-25.88%
17.15
Gain Loss On Sale Of Business
-0.82
-50.64%
-0.55
+67.62%
-1.68
0.00
Net Other Investing Changes
-9.30
+19.81%
-11.60
-37.28%
-8.45
-16.15%
-7.28
Financing Cash Flow
626.00
+47.04%
425.73
+40.99%
301.95
-51.74%
625.61
Cash Flow From Continuing Financing Activities
626.00
+47.04%
425.73
+40.99%
301.95
-51.74%
625.61
Net Issuance Payments Of Debt
0.00
+100.00%
-170.00
-342.86%
70.00
-52.14%
146.25
Issuance Of Debt
0.00
0.00
-100.00%
70.00
-60.00%
175.00
Repayment Of Debt
—
-170.00
0.00
+100.00%
-28.75
Long Term Debt Issuance
0.00
0.00
-100.00%
70.00
-60.00%
175.00
Long Term Debt Payments
—
-170.00
0.00
+100.00%
-28.75
Net Long Term Debt Issuance
0.00
+100.00%
-170.00
-342.86%
70.00
-52.14%
146.25
Net Common Stock Issuance
0.00
-100.00%
80.87
0.00
0.00
Common Stock Dividend Paid
-17.09
-5.18%
-16.24
-25.50%
-12.94
+15.41%
-15.30
Cash Dividends Paid
-17.09
-5.18%
-16.24
-25.50%
-12.94
+15.41%
-15.30
Net Other Financing Charges
—
—
—
-1.45
Changes In Cash
154.51
+402.19%
30.77
-50.04%
61.59
+137.25%
-165.34
Beginning Cash Position
352.34
+9.57%
321.58
+23.69%
259.99
-38.87%
425.33
End Cash Position
506.85
+43.85%
352.34
+9.57%
321.58
+23.69%
259.99
Free Cash Flow
71.42
+39.60%
51.16
+33.71%
38.26
-15.90%
45.49
Interest Paid Supplemental Data
97.58
+12.02%
87.11
+40.84%
61.85
+4498.81%
1.34
Income Tax Paid Supplemental Data
24.96
+47.83%
16.88
-15.45%
19.97
+284.02%
5.20
Common Stock Issuance
0.00
-100.00%
80.87
0.00
0.00
Issuance Of Capital Stock
0.00
-100.00%
80.87
0.00
0.00
Net Investment Properties Purchase And Sale
0.09
0.00
0.00
—
Sale Of Investment Properties
0.09
0.00
0.00
—
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