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

Company Overview

Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals in Northern California. It accepts various deposits, such as money market accounts, noninterest-bearing and interest checking accounts, savings accounts, term certificate accounts, and time deposits. The company also offers loan products, including commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans, as well as operating lines of credit. In addition, it provides debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.

Key Stats

• Today's Range: $27.90 to $28.60
• 50-Day Range: $25.15 to $30.58
• 52-Week Range: $21.78 to $35.13
• Volume: 62,068 shs
• Average Volume: 55,109 shs
• Market Capitalization: $601.05 million
• P/E Ratio: 12.36
• Dividend Yield: 2.84%
• Price Target: $35.00
• Consensus Rating: Moderate Buy

Five Star Bancorp Stock Analysis - MarketRank™

Five Star Bancorp scored higher than 83% of companies evaluated by MarketBeat, and ranked 249th out of 949 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: 2.4 / 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 2.75, and is based on 3 buy ratings, 1 hold rating, and no sell ratings.

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 12.36, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.98.

Price to Earnings Ratio vs. Sector

The P/E ratio of Five Star Bancorp is 12.36, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.28.

Price to Book Value per Share Ratio

Five Star Bancorp has a P/B Ratio of 1.70. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.28% 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 2.9, 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 increased by 19.09%, 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 2.89%, 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 35.09%. 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

1.28% 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 2.9, 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 increased by 19.09%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.79

News Sentiment

Five Star Bancorp has a news sentiment score of 0.79. 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 lower news sentiment than the 0.94 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 27 news articles for Five Star Bancorp this week, compared to 3 articles on an average week.

MarketBeat Follows

2 people have added Five Star Bancorp to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Five Star Bancorp insiders have sold 54.76% more of their company's stock than they have bought. Specifically, they have bought $78,186.00 in company stock and sold $121,000.00 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 on January 1st, 2025. Since then, FSBC shares have decreased by 6.3% and is now trading at $28.18.
View the best growth stocks for 2025 here.

How were Five Star Bancorp's earnings last quarter?

Five Star Bancorp (NASDAQ:FSBC) posted its earnings results on Monday, April, 28th. The company reported $0.62 EPS for the quarter, beating analysts' consensus estimates of $0.61 by $0.01. The company had revenue of $35.34 million for the quarter, compared to analysts' expectations of $35.27 million. Five Star Bancorp had a trailing twelve-month return on equity of 12.89% and a net margin of 21.40%.
Read the conference call transcript.

When did Five Star Bancorp IPO?

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

Who are Five Star Bancorp's major shareholders?

Top institutional shareholders of Five Star Bancorp include Bank of New York Mellon Corp (0.51%), Rhumbline Advisers (0.11%) and GAMMA Investing LLC (0.01%). 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

• Record date for 2/10 Dividend: 2/03/2025
• Ex-Dividend for 2/10 Dividend: 2/03/2025
• Dividend Payable: 2/10/2025
• Last Earnings: 4/28/2025
• Today: 5/04/2025
• Record date for 5/12 Dividend: 5/05/2025
• Ex-Dividend for 5/12 Dividend: 5/05/2025
• Dividend Payable: 5/12/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

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

Price Target and Rating

• Average Stock Price Target: $35.00
• High Stock Price Target: $37.00
• Low Stock Price Target: $31.00
• Potential Upside/Downside: +24.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.75
• Research Coverage: 4 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $2.28
• Trailing P/E Ratio: 12.36
• Forward P/E Ratio: 10.71
• P/E Growth: N/A
• Net Income: $45.67 million
• Net Margins: 21.40%
• Pretax Margin: 29.94%
• 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: $131.69 million
• Price / Sales: 4.56
• Cash Flow: $2.61 per share
• Price / Cash Flow: 10.79
• Book Value: $16.56 per share
• Price / Book: 1.70

Miscellaneous

• Outstanding Shares: 21,329,000
• Free Float: 15,868,000
• Market Cap: $601.05 million
• Optionable: Optionable
• Beta: 0.52