Five Star Bancorp (FSBC) Stock Price, News & Analysis

Company Overview

Five Star Bancorp is the bank holding company for Five Star Bank, a community bank headquartered in Rancho Cordova, California. Through its banking subsidiary, the company provides deposit, lending and treasury management services to businesses, professionals, nonprofit organizations and individuals.

Five Star Bank’s lending activities include commercial real estate, construction and commercial business loans, as well as financing for small businesses and other relationship-based banking needs. Its deposit products include business and personal checking and savings accounts, money market accounts and certificates of deposit. The bank also offers cash-management and online banking services.

Founded in 1999, Five Star Bank primarily serves communities in Northern California, including the Sacramento region and selected markets in the San Francisco Bay Area. Five Star Bancorp became a publicly traded company in 2021. James Beckwith serves as the company’s president and chief executive officer.

Key Stats

• Today's Range: $42.48 to $43.00
• 50-Day Range: $42.35 to $47.31
• 52-Week Range: $30.68 to $50.26
• Volume: 216,347 shs
• Average Volume: 214,345 shs
• Market Capitalization: $1.04 billion
• P/E Ratio: 12.57
• Dividend Yield: 2.35%
• Price Target: $47.25
• Consensus Rating: Moderate Buy

Five Star Bancorp Stock Analysis - MarketRank™

Five Star Bancorp scored higher than 78% of companies evaluated by MarketBeat, and ranked 358th out of 851 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Five Star Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 3 buy ratings, 3 hold ratings, and no sell ratings.

Upside Potential

Five Star Bancorp has a consensus price target of $47.25, representing about 11.2% upside from its current price of $42.48.

Amount of Analyst Coverage

Five Star Bancorp has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 5.71%

Earnings Growth

Earnings for Five Star Bancorp are expected to grow by 5.71% in the coming year, from $3.50 to $3.70 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Five Star Bancorp is 12.57, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.05.

Price to Earnings Ratio vs. Sector

The P/E ratio of Five Star Bancorp is 12.57, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.75.

Price to Book Value per Share Ratio

Five Star Bancorp has a P/B Ratio of 2.04. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

6.66% of the float of Five Star Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Five Star Bancorp has a short interest ratio ("days to cover") of 5.16.

Change versus previous month

Short interest in Five Star Bancorp has recently increased by 39.00%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Five Star Bancorp pays a meaningful dividend of 2.34%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Five Star Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Five Star Bancorp is 29.59%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Five Star Bancorp will have a dividend payout ratio of 27.03% next year. This indicates that Five Star Bancorp will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.4 / 5
• News Sentiment: 0.89

News Sentiment

Five Star Bancorp has a news sentiment score of 0.89. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.63 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Five Star Bancorp this week, compared to 3 articles on an average week.

MarketBeat Follows

Only 1 people have added Five Star Bancorp to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 4.8 / 5
• Insider Trading: Acquiring Shares

Cluster Insider Buying

6 insiders have purchased shares of Five Star Bancorp in the last three months. Multiple insiders buying is a strong bullish signal.

Net Insider Buying

Over the last three months, insiders have purchased a net $6,279,988.00 in company stock, which represents 0.6025% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, Five Star Bancorp insiders have bought more of their company's stock than they have sold. Specifically, they have bought $6,279,988.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

21.79% of the stock of Five Star Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

46.94% of the stock of Five Star Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 7/22/2026
• Record date for 8/10 Dividend: 8/03/2026
• Ex-Dividend for 8/10 Dividend: 8/03/2026
• Dividend Payable: 8/10/2026
• Today: 10/12/2026
• Next Earnings (Estimated): 10/26/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:FSBC
• CIK: 1275168
• Web: www.fivestarbank.com
• Phone: 916-626-5000
• Fax: N/A
• Employees: 238
• Year Founded: 1999

Price Target and Rating

• Average Price Target for Five Star Bancorp: $47.25
• High Price Target: $55.00
• Low Price Target: $40.00
• Potential Upside/Downside: +11.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.38
• Trailing P/E Ratio: 12.57
• Forward P/E Ratio: 12.14
• P/E Growth: N/A
• Net Income: $61.61 million
• Net Margins: 25.92%
• Pretax Margin: 34.69%
• Return on Equity: 15.92%
• Return on Assets: 1.45%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.06
• Quick Ratio: 1.06

Sales & Book Value

• Annual Sales: $176.60 million
• Price / Sales: 5.90
• Cash Flow: $3.12 per share
• Price / Cash Flow: 13.61
• Book Value: $20.86 per share
• Price / Book: 2.04

Miscellaneous

• Outstanding Shares: 24,537,000
• Free Float: 19,190,000
• Market Cap: $1.04 billion
• Optionable: Optionable
• Beta: 0.55