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NASDAQ:FSBC

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

Five Star Bancorp logo
$45.81 -0.27 (-0.59%)
As of 03:37 PM Eastern
This is a fair market value price provided by Massive. Learn more.

About Five Star Bancorp Stock (NASDAQ:FSBC)

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Key Stats

Today's Range
$45.35
$46.09
50-Day Range
$41.87
$49.68
52-Week Range
$29.42
$50.26
Volume
89,927 shs
Average Volume
114,821 shs
Market Capitalization
$979.33 million
P/E Ratio
13.55
Dividend Yield
2.18%
Price Target
$45.20
Consensus Rating
Hold

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.

AI Generated. May Contain Errors.

Five Star Bancorp Stock Analysis - MarketRank™

See Top-Rated MarketRank™ Stocks
66th Percentile Overall Score

FSBC MarketRank™: 

Five Star Bancorp scored higher than 66% of companies evaluated by MarketBeat, and ranked 561st out of 838 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

  • Consensus Rating

    Five Star Bancorp has received a consensus rating of Hold. The company's average rating score is 2.43, and is based on no strong buy ratings, 4 buy ratings, 2 hold ratings, and 1 sell rating.

  • 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 3 research reports in the past 90 days.

  • Read more about Five Star Bancorp's stock forecast and price target.
  • Earnings Growth

    Earnings for Five Star Bancorp are expected to grow by 6.86% in the coming year, from $3.50 to $3.74 per share.

  • Price to Earnings Ratio vs. the Market

    The P/E ratio of Five Star Bancorp is 13.51, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.45.

  • Price to Earnings Ratio vs. Sector

    The P/E ratio of Five Star Bancorp is 13.51, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.13.

  • Price to Book Value per Share Ratio

    Five Star Bancorp has a P/B Ratio of 2.19. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

  • Read more about Five Star Bancorp's valuation and earnings.
  • Percentage of Shares Shorted

    4.04% 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 5.69.
  • Change versus previous month

    Short interest in Five Star Bancorp has recently increased by 5.58%, indicating that investor sentiment is decreasing significantly.
  • Dividend Yield

    Five Star Bancorp pays a meaningful dividend of 2.17%, 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 26.74% next year. This indicates that Five Star Bancorp will be able to sustain or increase its dividend.

  • Read more about Five Star Bancorp's dividend.
  • News Sentiment

    Five Star Bancorp has a news sentiment score of 0.84. 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 news sentiment score is similar to the average news sentiment 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.
  • Search Interest

    Only 3 people have searched for FSBC on MarketBeat in the last 30 days. This is a decrease of -67% compared to the previous 30 days.
  • 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 $5,839,452.00 in company stock, which represents 0.5981% of the company's market cap.

  • Insider Buying vs. Insider Selling

    In the past three months, Five Star Bancorp insiders have bought 1,325.53% more of their company's stock than they have sold. Specifically, they have bought $6,279,988.00 in company stock and sold $440,536.00 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.

  • Read more about Five Star Bancorp's insider trading history.
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FSBC Stock News Headlines

FSBC Five Star Bancorp
China is not hedging. It's escaping.
China's US Treasury holdings have fallen from a peak of $1.32 trillion to roughly $659 billion, an 18-year low. Beijing's central bank has bought gold for 20 straight months, its longest streak in a decade. Goldman Sachs estimates China's real gold buying is 4.8 times the official figure. The European Central Bank confirms gold has overtaken US Treasuries as the world's top reserve asset, at 27% versus 22%. As foreign demand for US debt fades, rates and everyday costs may feel the pressure.tc pixel
See More Headlines

FSBC Stock Analysis - Frequently Asked Questions

Five Star Bancorp's stock was trading at $35.78 at the start of the year. Since then, FSBC shares have increased by 27.6% and is now trading at $45.6650.

Five Star Bancorp (NASDAQ:FSBC) issued its quarterly earnings data on Wednesday, July, 22nd. The company reported $0.91 EPS for the quarter, topping the consensus estimate of $0.86 by $0.05. The firm earned $47.96 million during the quarter, compared to analyst estimates of $47.72 million. Five Star Bancorp had a net margin of 25.92% and a trailing twelve-month return on equity of 16.17%.
Read the conference call transcript
.

Five Star Bancorp (FSBC) raised $100 million in an IPO on Tuesday, May 4th 2021. The company issued 5,265,000 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.

Top institutional investors of Five Star Bancorp include BlackRock Inc. (6.23%), Bank of New York Mellon Corp (0.45%), GSA Capital Partners LLP (0.16%) and Deutsche Bank AG (0.07%). Insiders that own company stock include Larry Eugene Allbaugh, James Eugene Beckwith, David John Lucchetti, Robert Truxtun Perry-Smith, Kevin Francis Ramos, Judson Teichert Riggs, Shannon Deary-Bell, Michael Eugene Lee, Brett Levi Wait, Donna Lucas, Lydia Ann Ramirez-Medina, Don Justin Kurtze and Michael Anthony Rizzo.
View institutional ownership trends
.

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.

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
7/22/2026
Record date for 8/10 Dividend
8/03/2026
Ex-Dividend for 8/10 Dividend
8/03/2026
Today
8/10/2026
Dividend Payable
8/10/2026
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
Fax
N/A
Employees
180
Year Founded
1999

Price Target and Rating

High Price Target
$55.00
Low Price Target
$37.00
Potential Upside/Downside
-1.3%
Consensus Rating
Hold
Rating Score (0-4)
2.43
Research Coverage
7 Analysts

Profitability

EPS (Trailing Twelve Months)
$3.38
Trailing P/E Ratio
13.55
Forward P/E Ratio
13.09
P/E Growth
N/A
Net Income
$61.61 million
Net Margins
25.92%
Pretax Margin
33.97%
Return on Equity
16.17%
Return on Assets
1.50%

Debt

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

Sales & Book Value

Annual Sales
$255.47 million
Price / Sales
3.83
Cash Flow
$3.10 per share
Price / Cash Flow
14.76
Book Value
$20.86 per share
Price / Book
2.20

Miscellaneous

Outstanding Shares
21,380,000
Free Float
16,718,000
Market Cap
$979.33 million
Optionable
Optionable
Beta
0.53

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This page (NASDAQ:FSBC) was last updated on 8/10/2026 by MarketBeat.com Staff.
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