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

Company Overview

Five Star Bancorp, Inc. is the bank holding company for Five Star Bank, a community-focused financial institution serving retail and commercial customers primarily in Upstate New York. Headquartered in Rochester, the company provides a range of banking and financial services designed to meet the needs of individuals, families and businesses throughout its regional footprint.

The company’s core business activities include deposit services—such as checking, savings and money market accounts—alongside consumer and mortgage lending. In addition, Five Star Bancorp offers commercial loans, lines of credit and treasury management solutions tailored to small and mid-sized enterprises. Wealth management and investment advisory services further complement its suite of products, enabling the firm to deliver comprehensive financial planning and asset management to its clientele.

With origins dating back to the mid-19th century, Five Star Bank has expanded through a combination of organic growth and strategic branch acquisitions, building a network of offices across key cities and towns in Western and Central New York. The institution emphasizes community engagement and local decision-making, positioning itself as a regional banking partner committed to supporting economic development and financial well-being in the markets it serves.

Guided by a leadership team with deep expertise in banking, finance and risk management, Five Star Bancorp continues to invest in technology platforms and digital capabilities aimed at enhancing the customer experience. The company maintains a focus on prudent growth, strong client relationships and operational efficiency as it navigates evolving regulatory and economic environments.

Key Stats

• Today's Range: $33.10 to $34.01
• 50-Day Range: $29.23 to $33.75
• 52-Week Range: $22.22 to $35.13
• Volume: 38,578 shs
• Average Volume: 50,646 shs
• Market Capitalization: $709.91 million
• P/E Ratio: 13.56
• Dividend Yield: 2.41%
• Price Target: $35.00
• Consensus Rating: Moderate Buy

Five Star Bancorp Stock Analysis - MarketRank™

Five Star Bancorp scored higher than 80% of companies evaluated by MarketBeat, and ranked 407th out of 941 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: 2.1 / 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 2.80, and is based on 4 buy ratings, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for Five Star Bancorp is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Five Star Bancorp has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 18.25%

Earnings Growth

Earnings for Five Star Bancorp are expected to grow by 18.25% in the coming year, from $2.63 to $3.11 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Five Star Bancorp is 13.78, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 281.02.

Price to Earnings Ratio vs. Sector

The P/E ratio of Five Star Bancorp is 13.78, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.27.

Price to Book Value per Share Ratio

Five Star Bancorp has a P/B Ratio of 1.81. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.01% 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 3.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Five Star Bancorp has recently decreased by 4.27%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Five Star Bancorp pays a meaningful dividend of 2.44%, 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 32.65%. 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 25.72% next year. This indicates that Five Star Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.01% 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 3.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Five Star Bancorp has recently decreased by 4.27%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

Five Star Bancorp has a news sentiment score of 1.86. 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 0.91 average news sentiment score of Finance companies.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Five Star Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $25,526.00 in company stock.

Percentage Held by Insiders

21.70% 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.

FSBC Stock Analysis - Frequently Asked Questions

How have FSBC shares performed this year?

Five Star Bancorp's stock was trading at $30.09 at the start of the year. Since then, FSBC shares have increased by 12.2% and is now trading at $33.75.

How were Five Star Bancorp's earnings last quarter?

Five Star Bancorp (NASDAQ:FSBC) released its earnings results on Wednesday, July, 23rd. The company reported $0.68 EPS for the quarter, topping analysts' consensus estimates of $0.65 by $0.03. The business had revenue of $38.33 million for the quarter, compared to analysts' expectations of $37.60 million. Five Star Bancorp had a net margin of 22.14% and a trailing twelve-month return on equity of 12.89%.
Read the conference call transcript.

When did Five Star Bancorp IPO?

Five Star Bancorp (FSBC) raised $101 million in an initial public offering (IPO) on Wednesday, May 5th 2021. The company issued 5,300,000 shares at $18.00-$20.00 per share. Keefe, Bruyette & Woods (Stifel) acted as the underwriter for the IPO and Stephens, Inc. and D.A. Davidson were co-managers.

Who are Five Star Bancorp's major shareholders?

Five Star Bancorp's top institutional shareholders include Franklin Resources Inc. (2.31%), Kennedy Capital Management LLC (1.85%), Geode Capital Management LLC (1.79%) and American Century Companies Inc. (1.56%). Insiders that own company stock include James Eugene Beckwith, David John Lucchetti, Robert Truxtun Perry-Smith, Michael Eugene Lee, Brett Levi Wait, Donna Lucas, Lydia Ann Ramirez-Medina and Don Justin Kurtze.
View institutional ownership trends.

How do I buy shares of Five Star Bancorp?

Shares of FSBC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Five Star Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Five Star Bancorp investors own include Tesla (TSLA), JPMorgan Chase & Co. (JPM), Advanced Micro Devices (AMD), Meta Platforms (META), NVIDIA (NVDA), Home Depot (HD) and Netflix (NFLX).

Company Calendar

• Last Earnings: 7/23/2025
• Record date for 8/11 Dividend: 8/04/2025
• Ex-Dividend for 8/11 Dividend: 8/04/2025
• Dividend Payable: 8/11/2025
• Today: 9/19/2025
• Next Earnings (Estimated): 10/27/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FSBC
• CIK: 1275168
• Web: www.fairportsavingsbank.com
• Phone: 916-626-5000
• Fax: N/A
• Employees: 180
• Year Founded: 1999

Price Target and Rating

• Average Price Target for Five Star Bancorp: $35.00
• High Price Target: $39.00
• Low Price Target: $31.00
• Potential Upside/Downside: +5.4%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.80
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.45
• Trailing P/E Ratio: 13.56
• Forward P/E Ratio: 12.63
• P/E Growth: N/A
• Net Income: $45.67 million
• Net Margins: 22.14%
• Pretax Margin: 31.20%
• Return on Equity: 12.89%
• Return on Assets: 1.25%

Debt

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

Sales & Book Value

• Annual Sales: $213.40 million
• Price / Sales: 3.33
• Cash Flow: $2.34 per share
• Price / Cash Flow: 14.19
• Book Value: $18.60 per share
• Price / Book: 1.79

Miscellaneous

• Outstanding Shares: 21,370,000
• Free Float: 16,731,000
• Market Cap: $709.91 million
• Optionable: Optionable
• Beta: 0.52