Five Star Bancorp (FSBC) AI Stock Analysis

Headquartered in Rancho Cordova, California, Five Star Bancorp operates as the bank holding company for Five Star Bank. Established in 1999, the bank serves small and medium-sized businesses, professionals, and individuals. Its deposit offerings include money market accounts, savings accounts, time deposits, and noninterest-bearing and interest-bearing checking accounts. Five Star Bancorp provides loan products such as commercial and residential real estate loans, commercial loans, farmland loans, construction loans, and consumer loans. Customers can access digital solutions including debit card services, remote deposit capture, online banking, mobile banking applications, and direct deposit services.

Annual revenue increased from $87.8M in FY2021 to $123.8M in FY2022, dropped to $7.5M in FY2023, and rebounded to $212.2M in FY2024 before reaching $255.5M in FY2025. Between FY2020 and FY2025, revenue achieved a 5-year CAGR of 25.2%. Net income expanded to $61.6M in FY2025 with an operating margin of 32.8% and net margin of 24.1%, producing EPS of $2.90. For the trailing twelve months ending June 30, 2026, revenue stood at $167.6M with an operating margin of 58.4% and EPS of $3.38. In the quarter ended June 30, 2026, quarterly revenue grew 27.6% year-over-year, while quarterly earnings increased 33.8%.

As of June 30, 2026, Five Star Bancorp held $136.6M in cash and short-term investments alongside total debt of $74.1M, yielding net cash of $62.4M. Shareholders' equity was $473.8M against total assets of $5.38B, resulting in a debt-to-equity ratio of 0.16 and a current ratio of 0.03. For FY2025, the company generated operating cash flow of $72.6M and free cash flow of $71.4M. Capital expenditures totaled $1.2M, while dividends paid were $17.1M. Over five years, the bank's share count expanded by 24.2%.

Five Star Bancorp trades at a trailing price-to-earnings multiple of 12.7x, compared to the median of 12.1x for its US-listed Financial Services peers. Its price-to-sales ratio stands at 6.3x, above the peer median of 3.2x, while its price-to-book ratio is 2.2x and its enterprise value to revenue is 6.5x. Over the past year, the stock returned 39.7%, outperforming the S&P 500 (SPY) return of 16.8%. Over a 5-year period, the stock delivered a 95.4% return compared to 83.0% for the S&P 500.

Five Star Bancorp pays an annual forward dividend of $1.00 per share, distributed quarterly, yielding 2.33% based on a last close of $42.98. The company has paid dividends for 6 consecutive years. Supported by a payout ratio of 28.1%, the last ex-dividend date occurred on August 3, 2026.

Wall Street coverage consists of 2 Strong Buy, 1 Buy, and 2 Hold ratings, with zero Sell or Strong Sell ratings. The mean price target is $51.40, representing an upside of 19.6% from the last close of $42.98 on October 16, 2026. For the fiscal year ending December 31, 2026, analysts estimate EPS of $3.49 and revenue of $197.4M. For FY2027, 5 analysts project revenue of $227.6M and EPS of $3.69. The bank beat EPS estimates in each of the last 4 quarters, with its next earnings date scheduled for October 26, 2026.

This page is an AI-written research summary of Five Star Bancorp (FSBC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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