FSBC
Five Star Bancorp
Price Chart
Latest Quote
$45.77
-0.07 (-0.15%)
Current Price
| Previous Close | $45.84 |
| Open | $45.83 |
| Day High | $46.20 |
| Day Low | $45.70 |
| Volume | 9,030 |
Stock Information
| Quarterly Dividend / Yield | $1.00 / 2.18% |
| Shares Outstanding | 21.38M |
| Quarterly Dividend Yield | 2.18% |
| Quarterly Dividend | $1.00 |
| Total Debt | $85.62M |
| Cash Equivalents | $644.46M |
| Revenue | $157.73M |
| Net Income | $67.12M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $978.39M |
| P/E Ratio | 14.53 |
| EPS (TTM) | $3.15 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $421.05M |
| Sales | $157.73M |
| Income | $67.12M |
| Book/sh | $21.45 |
| Cash/sh | $30.15 |
| Employees | 233 |
Financial Ratios
| EPS Growth TTM | 42.00% |
Returns & Margins
| ROA | 1.45% |
| ROE | 15.52% |
| Operating Margin | 60.28% |
| Profit Margin | 42.55% |
Ownership
| Insider Ownership | 28.11% |
| Institutional Ownership | 59.31% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 11.58 |
| P/S | 6.20 |
| P/B | 2.13 |
Analyst Data
| Recommendation | buy |
| Target Price | $45.10 |
Technical Indicators
| SMA20 | $43.55 |
| SMA50 | $41.88 |
| SMA200 | $37.31 |
| RSI | 70.75 |
| ATR | 1.1957 |
| Shares Float | 14.90M |
| Short Float | 2.60% |
| Short Ratio | 4.77 |
| Volatility | 0.54 |
| Rel Volume | 0.07 |
Performance History
| Week | +4.31% |
| Month | +8.98% |
| Quarter | +22.67% |
| 6 Months | +23.15% |
| YTD | +29.99% |
| Year | +77.20% |
| 3 Years | +122.57% |
| 5 Years | +90.64% |
| 10 Years | +162.89% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $45.77 | 9,030 |
| 2026-06-22 | $45.84 | 156,600 |
| 2026-06-18 | $44.87 | 307,500 |
| 2026-06-17 | $44.18 | 213,800 |
| 2026-06-16 | $43.82 | 145,800 |
| 2026-06-15 | $43.88 | 119,800 |
| 2026-06-12 | $44.76 | 125,900 |
| 2026-06-11 | $44.52 | 157,100 |
| 2026-06-10 | $44.06 | 180,800 |
| 2026-06-09 | $43.94 | 102,000 |
| 2026-06-08 | $43.41 | 72,300 |
| 2026-06-05 | $43.02 | 57,200 |
| 2026-06-04 | $43.14 | 164,400 |
| 2026-06-03 | $41.87 | 164,400 |
| 2026-06-02 | $42.82 | 180,600 |
| 2026-06-01 | $42.14 | 96,000 |
| 2026-05-29 | $42.23 | 109,800 |
| 2026-05-28 | $42.24 | 76,800 |
| 2026-05-27 | $42.20 | 66,800 |
| 2026-05-26 | $42.35 | 80,900 |
About Five Star Bancorp
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. In addition, the company offers loan products, such as commercial real estate loans; commercial land and construction loans; residential real estate and construction loans; farmland loans; the U.S. small business administration loans; and consumer and other loans, as well as operating lines of credit. Further, its investment portfolio consists of U.S. government agency securities, mortgage-backed securities, and obligations of states and political subdivisions. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
đ° Latest News
Are You Looking for a Top Momentum Pick? Why Five Star Bancorp (FSBC) is a Great Choice
Zacks âĸ 2026-06-11T16:00:01Z
Why The Narrative Around Five Star Bancorp (FSBC) Is Evolving Without New Analyst Commentary
Simply Wall St. âĸ 2026-06-08T04:40:37Z
Is the Options Market Predicting a Spike in Five Star Bancorp Stock?
Zacks âĸ 2026-05-28T13:01:00Z
Five Star Bancorp (FSBC) Upgraded to Buy: What Does It Mean for the Stock?
Zacks âĸ 2026-05-27T16:00:03Z
Five Star Bancorp (FSBC) Q1 2026 Earnings Call Highlights: Strong Growth in Loans and Deposits ...
GuruFocus.com âĸ 2026-04-29T07:08:37ZFive Star Bancorp Q1 Earnings Call Highlights
MarketBeat âĸ 2026-04-28T19:23:56Z
Five Star (FSBC) Q1 2026 Earnings Transcript
Motley Fool âĸ 2026-04-28T18:17:03Z
Five Star Bancorp Q1 2026 Earnings Call Summary
Moby âĸ 2026-04-28T12:30:00Z
Five Star Bancorp (FSBC) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates
Zacks âĸ 2026-04-28T00:00:01Z
Five Star Bancorp (FSBC) Q1 Earnings and Revenues Beat Estimates
Zacks âĸ 2026-04-27T23:40:01Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $157,017,000 | $124,957,000 | $117,199,000 | $108,940,000 |
| Operating Revenue | $157,017,000 | $124,957,000 | $117,199,000 | $108,940,000 |
| Expenses | ||||
| Interest Expense | $97,028,000 | $87,240,000 | $63,502,000 | $14,848,000 |
| Selling And Marketing Expense | $3,178,000 | $2,411,000 | $2,403,000 | $1,908,000 |
| General And Administrative Expense | $39,835,000 | $33,344,000 | $28,654,000 | $23,421,000 |
| Professional Expense And Contract Services Expense | $3,723,000 | $3,078,000 | $2,575,000 | $2,467,000 |
| Other Non Interest Expense | $14,067,000 | $11,906,000 | $10,733,000 | $9,527,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $61,606,000 | $45,671,000 | $47,734,000 | $44,801,000 |
| Net Interest Income | $151,905,000 | $119,711,000 | $110,880,000 | $103,070,000 |
| Interest Income | $248,933,000 | $206,951,000 | $174,382,000 | $117,918,000 |
| Normalized Income | $61,606,000 | $45,671,000 | $47,734,000 | $44,801,000 |
| Net Income From Continuing And Discontinued Operation | $61,606,000 | $45,671,000 | $47,734,000 | $44,801,000 |
| Net Income Common Stockholders | $61,606,000 | $45,671,000 | $47,734,000 | $44,801,000 |
| Net Income | $61,606,000 | $45,671,000 | $47,734,000 | $44,801,000 |
| Net Income Including Noncontrolling Interests | $61,606,000 | $45,671,000 | $47,734,000 | $44,801,000 |
| Net Income Continuous Operations | $61,606,000 | $45,671,000 | $47,734,000 | $44,801,000 |
| Pretax Income | $83,732,000 | $64,721,000 | $66,616,000 | $62,858,000 |
| Per Share | ||||
| Diluted EPS | $2.90 | $2.26 | $2.78 | $2.61 |
| Basic EPS | $2.90 | $2.26 | $2.78 | $2.61 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $2,247,000 | $1,877,000 | $1,612,000 | $1,636,000 |
| Diluted Average Shares | $21,273,552 | $20,205,440 | $17,187,969 | $17,165,610 |
| Basic Average Shares | $21,224,788 | $20,154,385 | $17,166,592 | $17,128,282 |
| Diluted NI Availto Com Stockholders | $61,606,000 | $45,671,000 | $47,734,000 | $44,801,000 |
| Tax Provision | $22,126,000 | $19,050,000 | $18,882,000 | $18,057,000 |
| Gain On Sale Of Security | $0 | $0 | $-167,000 | $5,000 |
| Selling General And Administration | $43,013,000 | $35,755,000 | $31,057,000 | $25,329,000 |
| Insurance And Claims | $1,950,000 | $1,635,000 | $1,557,000 | $850,000 |
| Salaries And Wages | $37,885,000 | $31,709,000 | $27,097,000 | $22,571,000 |
| Occupancy And Equipment | $2,782,000 | $2,547,000 | $2,218,000 | $2,059,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-18
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $445,832,000 | $396,624,000 | $285,774,000 | $252,825,000 |
| Total Assets | $4,754,861,000 | $4,053,278,000 | $3,593,125,000 | $3,227,159,000 |
| Receivables | $34,380,000 | $24,374,000 | $22,582,000 | $7,454,000 |
| Other Receivables | $22,476,000 | $14,081,000 | $13,612,000 | - |
| Accounts Receivable | $11,904,000 | $10,293,000 | $8,970,000 | $7,454,000 |
| Cash And Cash Equivalents | $506,951,000 | $356,464,000 | $327,434,000 | $269,840,000 |
| Cash Financial | $33,978,000 | $33,882,000 | $26,986,000 | $32,561,000 |
| Cash Cash Equivalents And Federal Funds Sold | $506,951,000 | $356,464,000 | $327,434,000 | $269,840,000 |
| Debt | ||||
| Total Debt | $85,913,000 | $80,752,000 | $249,352,000 | $177,849,000 |
| Long Term Debt And Capital Lease Obligation | $85,913,000 | $80,752,000 | $249,352,000 | $177,849,000 |
| Long Term Debt | $74,041,000 | $73,895,000 | $243,749,000 | $173,606,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $4,309,029,000 | $3,656,654,000 | $3,307,351,000 | $2,974,334,000 |
| Payables And Accrued Expenses | - | - | - | $14,481,000 |
| Payables | - | - | - | $14,481,000 |
| Accounts Payable | - | - | - | $14,481,000 |
| Equity | ||||
| Common Stock Equity | $445,832,000 | $396,624,000 | $285,774,000 | $252,825,000 |
| Total Equity Gross Minority Interest | $445,832,000 | $396,624,000 | $285,774,000 | $252,825,000 |
| Stockholders Equity | $445,832,000 | $396,624,000 | $285,774,000 | $252,825,000 |
| Gains Losses Not Affecting Retained Earnings | $-9,143,000 | $-12,371,000 | $-11,767,000 | $-13,454,000 |
| Other Equity Adjustments | $-9,143,000 | $-12,371,000 | $-11,767,000 | $-13,454,000 |
| Retained Earnings | $150,985,000 | $106,464,000 | $77,036,000 | $46,736,000 |
| Other | ||||
| Ordinary Shares Number | $21,367,387 | $21,319,083 | $17,256,989 | $17,241,926 |
| Share Issued | $21,367,387 | $21,319,083 | $17,256,989 | $17,241,926 |
| Tangible Book Value | $445,832,000 | $396,624,000 | $285,774,000 | $252,825,000 |
| Invested Capital | $519,873,000 | $470,519,000 | $529,523,000 | $426,431,000 |
| Capital Lease Obligations | $11,872,000 | $6,857,000 | $5,603,000 | $4,243,000 |
| Total Capitalization | $519,873,000 | $470,519,000 | $529,523,000 | $426,431,000 |
| Capital Stock | $303,990,000 | $302,531,000 | $220,505,000 | $219,543,000 |
| Common Stock | $303,990,000 | $302,531,000 | $220,505,000 | $219,543,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $11,872,000 | $6,857,000 | $5,603,000 | $4,243,000 |
| Investments And Advances | $109,000,000 | $110,242,000 | $117,961,000 | $125,424,000 |
| Held To Maturity Securities | $2,020,000 | $2,510,000 | $3,077,000 | $3,756,000 |
| Available For Sale Securities | $49,075,000 | $46,465,000 | $6,801,000 | $5,680,000 |
| Net PPE | $12,911,000 | $7,829,000 | $6,907,000 | $5,586,000 |
| Accumulated Depreciation | $-6,010,000 | $-5,338,000 | $-4,736,000 | $-4,151,000 |
| Gross PPE | $18,921,000 | $13,167,000 | $11,643,000 | $9,737,000 |
| Leases | $2,658,000 | $2,210,000 | $2,125,000 | $1,994,000 |
| Other Properties | $10,927,000 | $6,370,000 | $5,407,000 | $3,981,000 |
| Machinery Furniture Equipment | $5,336,000 | $4,587,000 | $4,111,000 | $3,762,000 |
| Other Short Term Investments | $57,905,000 | $61,267,000 | $108,083,000 | $115,988,000 |
Fetched: 2026-06-18
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $71,415,000 | $51,158,000 | $38,261,000 | $45,494,000 |
| Operating Activities | ||||
| Operating Cash Flow | $72,612,000 | $51,786,000 | $38,914,000 | $45,975,000 |
| Cash Flow From Continuing Operating Activities | $72,612,000 | $51,786,000 | $38,914,000 | $45,975,000 |
| Operating Gains Losses | $-1,065,000 | $-1,819,000 | $-3,468,000 | $-2,637,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,197,000 | $-628,000 | $-653,000 | $-481,000 |
| Investing Cash Flow | $-544,109,000 | $-446,744,000 | $-279,278,000 | $-836,922,000 |
| Cash Flow From Continuing Investing Activities | $-544,109,000 | $-446,744,000 | $-279,278,000 | $-836,922,000 |
| Net Other Investing Changes | $-9,304,000 | $-11,603,000 | $-8,452,000 | $-7,277,000 |
| Financing Activities | ||||
| Issuance Of Capital Stock | $0 | $80,870,000 | $0 | $0 |
| Financing Cash Flow | $626,005,000 | $425,725,000 | $301,949,000 | $625,609,000 |
| Cash Flow From Continuing Financing Activities | $626,005,000 | $425,725,000 | $301,949,000 | $625,609,000 |
| Cash Dividends Paid | $-17,085,000 | $-16,243,000 | $-12,943,000 | $-15,301,000 |
| Common Stock Dividend Paid | $-17,085,000 | $-16,243,000 | $-12,943,000 | $-15,301,000 |
| Net Common Stock Issuance | $0 | $80,870,000 | $0 | $0 |
| Common Stock Issuance | $0 | $80,870,000 | $0 | $0 |
| Net Other Financing Charges | - | - | - | $-1,454,000 |
| Other | ||||
| Issuance Of Debt | $0 | $0 | $70,000,000 | $175,000,000 |
| Interest Paid Supplemental Data | $97,581,000 | $87,113,000 | $61,854,000 | $1,345,000 |
| Income Tax Paid Supplemental Data | $24,959,000 | $16,884,000 | $19,969,000 | $5,200,000 |
| End Cash Position | $506,851,000 | $352,343,000 | $321,576,000 | $259,991,000 |
| Beginning Cash Position | $352,343,000 | $321,576,000 | $259,991,000 | $425,329,000 |
| Changes In Cash | $154,508,000 | $30,767,000 | $61,585,000 | $-165,338,000 |
| Net Issuance Payments Of Debt | $0 | $-170,000,000 | $70,000,000 | $146,250,000 |
| Net Long Term Debt Issuance | $0 | $-170,000,000 | $70,000,000 | $146,250,000 |
| Long Term Debt Issuance | $0 | $0 | $70,000,000 | $175,000,000 |
| Net Investment Purchase And Sale | $6,436,000 | $6,593,000 | $10,150,000 | $14,504,000 |
| Sale Of Investment | $9,604,000 | $9,501,000 | $12,708,000 | $17,146,000 |
| Purchase Of Investment | $-3,168,000 | $-2,908,000 | $-2,558,000 | $-2,642,000 |
| Net Investment Properties Purchase And Sale | $87,000 | $0 | $0 | - |
| Sale Of Investment Properties | $87,000 | $0 | $0 | - |
| Net PPE Purchase And Sale | $-1,197,000 | $-628,000 | $-653,000 | $-481,000 |
| Purchase Of PPE | $-1,197,000 | $-628,000 | $-653,000 | $-481,000 |
| Change In Working Capital | $1,607,000 | $-992,000 | $-2,711,000 | $1,289,000 |
| Change In Other Current Liabilities | $-1,117,000 | $-916,000 | $-900,000 | $-978,000 |
| Change In Payables And Accrued Expense | $6,102,000 | $-2,611,000 | $1,897,000 | $7,363,000 |
| Change In Payable | $6,102,000 | $-2,611,000 | $1,897,000 | $7,363,000 |
| Change In Account Payable | $6,102,000 | $-2,611,000 | $1,897,000 | $7,363,000 |
| Change In Receivables | $-3,378,000 | $2,535,000 | $-3,708,000 | $-5,096,000 |
| Changes In Account Receivables | $-3,378,000 | $2,535,000 | $-3,708,000 | $-5,096,000 |
| Other Non Cash Items | $-3,334,000 | $-1,420,000 | $-9,587,000 | $-6,772,000 |
| Stock Based Compensation | $1,459,000 | $1,156,000 | $962,000 | $1,099,000 |
| Deferred Tax | $-578,000 | $-243,000 | $-897,000 | $-1,942,000 |
| Deferred Income Tax | $-578,000 | $-243,000 | $-897,000 | $-1,942,000 |
| Depreciation Amortization Depletion | $2,247,000 | $1,877,000 | $1,612,000 | $1,636,000 |
| Depreciation And Amortization | $2,247,000 | $1,877,000 | $1,612,000 | $1,636,000 |
| Gain Loss On Investment Securities | $0 | $0 | $167,000 | $-5,000 |
| Gain Loss On Sale Of Business | $-821,000 | $-545,000 | $-1,683,000 | $0 |
| Net Income From Continuing Operations | $61,606,000 | $45,671,000 | $47,734,000 | $44,801,000 |
| Repayment Of Debt | - | $-170,000,000 | $0 | $-28,750,000 |
| Long Term Debt Payments | - | $-170,000,000 | $0 | $-28,750,000 |
| Depreciation | - | - | - | $1,636,000 |
Fetched: 2026-06-18