Five Star Bancorp FSBC
- Market cap
- $1.1B
- P/E
- 12.9×
Follow FSBC
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| — | — | — | — | — | 20.00 | 23.57 | 17.74 | 21.10 | 22.22 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
||
| — | — | — | — | — | 33.98 | 32.00 | 29.00 | 35.13 | 38.86 |
High Price
|
|||
| — | — | — | — | 138 | 163 | 178 | 185 | 210 | 238 |
Employees
|
|||
| — | — | — | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
Revenue/Emp
|
|||
| — | — | — | 70 | 84 | 89 | 125 | 182 | 213 | 255 |
Revenue
|
|||
| — | — | — | 83.40% | 89.03% | 95.53% | 88.13% | 65.09% | 59.12% | 62.02% |
Gross Margin
|
|||
| — | — | — | 30 | 37 | 47 | 63 | 67 | 65 | 84 |
EBT
|
|||
| — | — | — | 43.33% | 44.51% | 53.06% | 50.26% | 36.62% | 30.33% | 32.78% |
EBT Margin
|
|||
| — | — | — | 29 | 36 | 42 | 45 | 48 | 46 | 62 |
Net Income
|
|||
| — | — | — | 2 | 2 | 2 | 4 | 3 | 4 | 5 |
Depreciation
|
|||
| — | — | — | 8.14 | 8.32 | 5.93 | 7.30 | 10.60 | 10.59 | 12.04 |
Revenue/Sh
|
|||
| — | — | — | 3.40 | 3.57 | 2.83 | 2.61 | 2.78 | 2.26 | 2.90 |
Earnings/Sh
|
|||
| — | — | — | 3.36 | 5.12 | 1.91 | 2.68 | 2.27 | 2.57 | 3.42 |
Cash Flow/Sh
|
|||
| — | — | — | (0.06) | (0.08) | (0.05) | (0.03) | (0.04) | (0.03) | (0.06) |
Capex/Sh
|
|||
| — | — | — | 3.30 | 5.03 | 1.87 | 2.66 | 2.23 | 2.54 | 3.36 |
Free CF/Sh
|
|||
| — | — | — | 12.65 | 13.29 | 15.70 | 14.76 | 16.65 | 19.68 | 21.01 |
Book Value/Sh
|
|||
| — | — | — | 9 | 10 | 15 | 17 | 17 | 20 | 21 |
Shares
|
|||
| — | — | — | 5.30 | 5.30 | 10.34 | 10.42 | 9.62 | 13.20 | 12.34 |
PE Ratio
|
|||
| — | — | — | 2.57 | 2.57 | 5.05 | 3.72 | 2.52 | 2.84 | 2.97 |
PS Ratio
|
|||
| — | — | — | 1.67 | 1.67 | 1.91 | 1.84 | 1.61 | 1.53 | 1.70 |
PB Ratio
|
|||
| — | — | — | (2.48) | (2.48) | 0.42 | 2.37 | 1.66 | 1.73 | 1.46 |
EV/Sales
|
|||
| — | — | — | (3.38) | (3.38) | 1.34 | 6.51 | 7.89 | 7.23 | 5.22 |
EV/FCF
|
|||
| — | — | — | 29 | 51 | 29 | 46 | 39 | 52 | 73 |
Op' Cash Flow
|
|||
| — | — | — | (1) | (1) | (1) | 0 | (1) | (1) | (1) |
Capex
|
|||
| — | — | — | 28 | 51 | 28 | 45 | 38 | 51 | 71 |
FCF
|
|||
| — | — | — | 4 | (12) | 47 | 187 | 116 | 223 | 262 |
Working Cap'
|
|||
| — | — | — | 53 | 28 | 28 | 100 | 170 | — | — |
Total Debt
|
|||
| — | — | — | (144) | (286) | (412) | (170) | (157) | (356) | (507) |
Net Debt
|
|||
| — | — | — | 109 | 134 | 235 | 253 | 286 | 397 | 446 |
Sh' Equity
|
|||
| — | — | — | 1.71% | 2.09% | 1.88% | 1.55% | 1.40% | 1.19% | 1.40% |
ROA
|
|||
| — | — | — | 0.00% | 0.00% | 0.00% | 47.34% | 32.44% | 100.72% | 0.00% |
ROIC
|
|||
| — | — | — | 24.12% | 29.61% | 23.01% | 18.37% | 17.73% | 13.39% | 14.63% |
ROE
|
|||
Five Star Bancorp peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| CFFN Capitol Federal Financial | $1.1B | 13.4× | Compare |
| MCB Metropolitan Bank Holding Corp. | $1.1B | 11.2× | Compare |
| NBN Northeast Bancorp | $1.1B | 10.1× | Compare |
| MBWM Mercantile Bank Corporation | $1.0B | 10.6× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| CCNE CNB Financial Corporation | $1.0B | 11.0× | Compare |
| MCBS MetroCity Bankshares, Inc. | $1.0B | 12.0× | Compare |
| BFST Business First Bancshares, Inc. | $997.0M | 10.9× | Compare |
| AMTB Amerant Bancorp Inc. | $1.2B | 21.1× | Compare |
Five Star Bancorp (FSBC) key facts
- Five Star Bancorp (FSBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- Five Star Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $255.5 million, up 19.7% from fiscal 2024.
- Net income was $61.6 million, or $2.90 per share (basic), a net margin of 24.1%.
- As of September 25, 2026, FSBC traded at $43.83, a market capitalization of $1.1 billion.
- At that price the stock trades at 12.9× trailing-twelve-month earnings and 3.4× sales.
- Five Star Bancorp pays an annual dividend of $0.80 per share, a yield of 3.44%, with a payout ratio of 21.9%.
- Return on equity was 14.6% and debt-to-equity 0.00.
Five Star Bancorp (FSBC) Latest News
31 Jul
Five Star Bancorp posted stronger Q2 results and completed an equity raise positioned as a potential game changer for future performance. Stronger Q2 results paired with equity raise supply capital for growth and strengthen balance sheet enough to alter trajectory.
Five Star Bancorp (FSBC) stock may appear reasonably valued after news of a fresh offering. Fresh offering affects share count and capital but does not fundamentally alter long-term operations.
23 Jul
Five Star Bancorp Q2 2026 earnings call covered quarterly results and business outlook. Earnings calls deliver financial metrics and guidance that move stock prices and investor views.
Five Star Bancorp posted strong income growth in Q2 2026 earnings call despite margin pressure. Q2 earnings growth with margin pressure directly influences near-term profitability and investor views.
Five Star Bancorp reported Q2 results during its earnings call, highlighting net interest income growth, expanded loan originations, stable credit quality, and continued deposit momentum alongside management commentary on interest rate outlook and operational priorities. Quarterly earnings updates supply performance details that can shift near-term sentiment but seldom alter long-term company trajectory.
22 Jul
Five Star Bancorp priced its common stock offering. Common stock offering raises capital but increases shares outstanding and may dilute earnings per share.
Five Star Bancorp exceeded Q2 earnings and revenue estimates. Quarterly earnings and revenue beat can lift near-term investor sentiment and share price.
Five Star Bancorp launches a common stock offering to issue new shares. Stock offering raises capital for operations but dilutes shares and may pressure near-term valuation.
Five Star Bancorp announced its second quarter 2026 financial results. Quarterly earnings release updates financial performance and may shift near-term investor sentiment.
29 Apr
Five Star Bancorp (FSBC) reported strong growth in loans and deposits during its Q1 2026 earnings call. Strong loan and deposit growth drives significant positive impact on FSBC's financial trajectory and investor sentiment.
28 Apr
Five Star Bancorp (FSBC) released Q1 earnings call highlights covering financial performance, loan growth, deposit increases, net interest margin, and forward guidance. Q1 earnings highlights detail financial metrics and outlook directly shaping FSBC's trajectory and investor views.
Five Star Bancorp (FSBC) released its Q1 2026 earnings call transcript, detailing quarterly financial results, management discussion, and forward-looking guidance. Q1 2026 earnings transcript reveals financial performance, strategic updates, and outlook that significantly influence FSBC's market trajectory and investor sentiment.
Five Star Bancorp (FSBC) released Q1 2026 earnings call summary detailing quarterly financial performance, key metrics, and management outlook. Q1 2026 earnings call summary discloses financial results and guidance that significantly shape FSBC's valuation and market trajectory.
27 Apr
Five Star Bancorp (FSBC) Q1 earnings key metrics compared to estimates, highlighting performance against expectations. Q1 earnings metrics versus estimates represent major financial results that can significantly shift investor sentiment and stock trajectory.
Five Star Bancorp (FSBC) reported Q1 earnings and revenues that beat analyst estimates. Q1 earnings and revenue beats signal strong financial performance, likely boosting investor sentiment and stock trajectory.
Five Star Bancorp announced first quarter 2026 results. Quarterly earnings releases significantly impact FSBC's financial metrics, stock price, and investor perceptions.
21 Apr
Five Star Bancorp (FSBC) released its Q4 2025 earnings call transcript, detailing quarterly financial results, performance highlights, and management's outlook. Q4 earnings transcripts reveal detailed financial metrics, strategic updates, and guidance that significantly sway investor sentiment and stock trajectory.
15 Apr
Five Star Bancorp's Five Star Bank expands into Southern California, adding five key hires to support strategic growth. Geographic expansion into Southern California with five key hires drives significant strategic growth for FSBC.
8 Apr
Five Star Bancorp (FSBC) valuation story shifts, altering investor perceptions amid evolving market dynamics. Shifting valuation narrative signals major changes in investor sentiment and potential trajectory for FSBC's market performance.
10 Mar
Five Star Bancorp (FSBC) investment story shifts due to new analyst price targets, prompting reevaluation of growth prospects, valuation, and market positioning. New analyst targets influence market sentiment and stock performance for FSBC but do not alter core operations or long-term fundamentals.
23 Feb
Five Star Bancorp (FSBC) valuation story quietly shifting around US$42, suggesting evolving investor perceptions and potential re-rating amid improving fundamentals. Valuation narrative shifts around $42 signal significant potential for enhanced market performance and investor sentiment.
7 Feb
Five Star Bancorp (FSBC) is experiencing a shift in its narrative due to various catalysts, including strategic initiatives aimed at enhancing operational efficiency and expanding market presence. The bank is focusing on improving its loan portfolio and adapting to changing regulatory environments. Additionally, FSBC is exploring opportunities for growth through potential acquisitions and partnerships, which could significantly impact its competitive positioning in the banking sector. Strategic initiatives and potential acquisitions are likely to significantly alter the company's trajectory and investor sentiment.
27 Jan
Five Star Bancorp (FSBC) reported strong financial growth in its Q4 2025 earnings call, highlighting significant increases in revenue and net income. The company attributed its success to effective cost management and strategic investments, which have enhanced its competitive position in the market. Additionally, FSBC announced plans for future expansion and innovation, aiming to capitalize on emerging opportunities in the banking sector. Strong financial growth and strategic plans indicate a significant impact on future performance and market positioning.
Five Star Bancorp reported its Q4 earnings, highlighting strong financial performance with increased net income and improved asset quality. The bank's loan portfolio showed growth, and management emphasized strategic initiatives aimed at enhancing operational efficiency. Additionally, the company announced plans for future investments to support expansion and innovation in services. Overall, the earnings call reflected a positive outlook for the upcoming fiscal year. Significant strategic initiatives and financial performance improvements are expected to influence future growth and investor sentiment.
26 Jan
Five Star Bancorp (FSBC) reported Q4 earnings and revenue that exceeded analysts' expectations, showcasing strong financial performance. The bank's results reflect effective management and growth strategies, contributing to positive market sentiment. Investors reacted favorably to the news, indicating confidence in the company's future prospects. Surpassing earnings and revenue estimates is likely to significantly enhance investor sentiment and the company's market position.
Five Star Bancorp reported its quarterly and annual financial results, highlighting significant growth in net income and total assets. The bank's performance was driven by increased loan demand and improved interest margins. Management expressed optimism about future growth prospects and strategic initiatives aimed at expanding market presence. The results reflect a strong operational foundation and a commitment to enhancing shareholder value. Strong financial results and growth strategies indicate a significant impact on future performance and investor sentiment.
Five Star Bancorp (FSBC) reported its latest earnings, highlighting key financial metrics and strategic initiatives. The company emphasized growth in its loan portfolio and improvements in net interest margins. Management provided insights into market conditions and future expectations, addressing potential challenges and opportunities in the banking sector. Overall, the earnings call reflected a positive outlook for FSBC's performance amid a competitive landscape. Significant strategic initiatives and market conditions discussed could notably influence FSBC's future performance.
Five Star Bancorp (FSBC) reported its latest earnings, highlighting key financial metrics and strategic initiatives. The company demonstrated growth in net income and assets, driven by increased loan demand and effective cost management. Management provided insights into future expectations, emphasizing a focus on expanding market presence and enhancing customer service. The earnings call also addressed challenges in the current economic environment, including interest rate fluctuations and regulatory considerations. Significant strategic initiatives and financial performance indicators suggest a likely impact on future growth and market positioning.
Five Star Bancorp (FSBC) reported its Q4 earnings, revealing key metrics that were compared to analysts' estimates. The results highlighted the bank's financial performance, including revenue and profit figures, which may influence investor sentiment and market positioning moving forward. The earnings report is expected to moderately influence financial performance and market sentiment.
25 Jan
Five Star Bancorp (FSBC) is gaining attention due to its recent financial performance and strategic initiatives. The bank has shown resilience in a challenging economic environment, with strong loan growth and improved asset quality. Analysts highlight its potential for continued growth, driven by effective management and a focus on expanding its market presence. Investors are encouraged to consider FSBC as a viable option in the banking sector. Strong loan growth and improved asset quality indicate a moderately noticeable influence on future performance.