Five Star Bancorp (NASDAQ: FSBC) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 13.59 | EPS (ttm) | 3.39 | Insider Own | 18.80% | Shs Outstand | 24.10M | Perf Week | -2.35% |
| Market Cap | 1.11B | Forward P/E | 12.34 | EPS next Y | 3.73 | Insider Trans | 3.06% | Shs Float | 15.55M | Perf Month | -4.62% |
| Enterprise Value | 1.14B | PEG | 0.35 | EPS next Q | 0.86 | Inst Own | - | Short Float | 4.34% | Perf Quarter | 11.74% |
| Income | 81.73M | P/S | 3.99 | EPS this Y | 3.37% | Inst Trans | - | Short Ratio | 5.43 | Perf Half Y | 12.06% |
| Sales | 278.25M | P/B | 2.06 | EPS next Y | 6.87% | ROA | 1.34% | Short Interest | 675.15K | Perf YTD | 28.79% |
| Book/sh | - | P/C | 9.70 | EPS next 5Y | 6.87% | ROE | 15.92% | 52W High | 49.63 -8.32% | Perf Year | 55.57% |
| Cash/sh | - | P/FCF | 11.19 | EPS past 3/5Y | 3.57% 5.58% | ROIC | -1.55% | 52W Low | 28.63 58.95% | Perf 3Y | 88.78% |
| Dividend Est. | 1.00 (2.20%) | EV/EBITDA | 11.52 | Sales past 3/5Y | 27.17% 25.17% | Gross Margin | 60.39% | Volatility | 2.30% 2.81% | Perf 5Y | 89.08% |
| Dividend TTM | 0.95 (2.09%) | EV/Sales | 4.09 | EPS Y/Y TTM | 49.56% | Oper. Margin | 34.63% | ATR (14) | 1.34 | Perf 10Y | - |
| Dividend Ex-Date | Aug 03, 2026 | Quick Ratio | 0.03 | Sales Y/Y TTM | 31.13% | Profit Margin | 25.88% | RSI (14) | 40.88 | Recom | 2.50 |
| Dividend Gr. 3/5Y | 10.06% - | Current Ratio | 0.03 | EPS Q/Q | 33.82% | SMA20 | -3.36% | Beta | 0.51 | Target Price | 53.00 |
| Payout | 34.13% | Debt/Eq | 0.16 | Sales Q/Q | 19.35% | SMA50 | -0.74% | Rel Volume | 0.86 | Prev Close | 46.07 |
| Employees | 233 | LT Debt/Eq | 0.19 | Earnings | Oct 26 | SMA200 | 14.86% | Avg Volume | 161.40K | Price | 45.51 |
| IPO Date | May 04, 2021 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 5.81% 0.48% | Net Debt/EBITDA | 0.28 | Volume | 138,986 | Change | -1.24% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jul-29-26 | Reiterated | DA Davidson | Buy | $49 → $55 |
| Jul-27-26 | Reiterated | Stephens | Equal Weight | $43 → $51 |
| Apr-29-26 | Reiterated | DA Davidson | Buy | $45 → $49 |
| Apr-29-26 | Reiterated | Stephens & Co. | Equal Weight | $37 → $43 |
| Jan-28-26 | Reiterated | DA Davidson | Buy | $43 → $45 |
| Nov-10-25 | Reiterated | Stephens | Overweight | $32 → $37 |
| Oct-29-25 | Reiterated | D.A. Davidson | Buy | $35 → $43 |
| Oct-30-24 | Reiterated | DA Davidson | Buy | $34 → $35 |
| Jul-26-24 | Reiterated | DA Davidson | Buy | $34 |
| Jul-26-24 | Reiterated | Stephens & Co. | Overweight | $32 |
Five Star Bancorp serves as the holding company for Five Star Bank, delivering a full spectrum of banking products and services. The institution caters to a diverse clientele, including small and medium-sized businesses, professionals, and individual customers. Clients can access various deposit options, such as money market accounts, both interest-bearing and non-interest-bearing checking accounts, savings accounts, and time deposits. The bank's lending portfolio encompasses commercial and residential real estate loans, general commercial financing, commercial land loans, agricultural land loans, and construction loans for both commercial and residential projects, alongside consumer and other credit facilities. Additionally, it provides debit cards, remote check deposit capabilities, online and mobile banking services, and direct deposit options. Operating in Northern California, Five Star Bancorp maintains seven branch locations and two dedicated loan production offices. The company was established in 1999 and its headquarters are located in Rancho Cordova, California.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 278 | 255 | 212 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 110 | 107 | 94 | — | — | — | — | — | — | |
| Gross Profit | 168 | 149 | 118 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 48 | 41 | 36 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 24 | 24 | 17 | — | — | — | — | — | — | |
| Operating Income | 96 | 84 | 65 | — | — | — | — | — | — | |
| Interest Expense | 99 | 97 | 87 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 99 | 97 | 87 | — | — | — | — | — | — | |
| Net Income Before Taxes | 96 | 84 | 65 | — | — | — | — | — | — | |
| Income Taxes | 24 | 22 | 19 | — | — | — | — | — | — | |
| Consolidated Net Income | 72 | 62 | 46 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 72 | 62 | 46 | — | — | — | — | — | — | |
| Net Income | 72 | 62 | 46 | — | — | — | — | — | — | |
| EPS (Recurring) | 3.39 | 2.90 | 2.26 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 3.39 | 2.90 | 2.26 | — | — | — | — | — | — | |
| EPS (Diluted) | 3.38 | 2.90 | 2.26 | — | — | — | — | — | — | |
| EBITDA | 99 | 87 | 67 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 13.46 | 12.34 | 13.31 | — | — | — | — | — | — | |
| Price To Sales Ratio | 3.44 | 2.95 | 2.84 | — | — | — | — | — | — | |
| Gross Margin | 60.43 | 58.43 | 55.66 | — | — | — | — | — | — | |
| Operating Margin | 34.53 | 32.94 | 30.66 | — | — | — | — | — | — | |
| Net Margin | 25.90 | 24.31 | 21.70 | — | — | — | — | — | — | |
| Shares Outstanding | 21 | 21 | 20 | — | — | — | — | — | — | |
| Market Capitalization | 956 | 751 | 602 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Allbaugh Larry Eugene | director, 10 percent owner: | Jul 22 '26 | Buy | 44.00 | 96,591 | 4,250,004 | 1,101,687 | Jul 24 |
| Deary-Bell Shannon | Director | Jul 22 '26 | Buy | 44.00 | 5,682 | 250,008 | 85,244 | Jul 24 |
| Perry-Smith Robert Truxtun | Director | Jul 22 '26 | Buy | 44.00 | 31,363 | 1,379,972 | 258,898 | Jul 24 |
| Lucas Donna | Director | Jul 22 '26 | Buy | 44.00 | 1,136 | 49,984 | 14,254 | Jul 24 |
| Ramos Kevin Francis | Director | Jul 22 '26 | Buy | 44.00 | 5,682 | 250,008 | 177,546 | Jul 24 |
| Riggs Judson Teichert | Director | Jul 22 '26 | Buy | 44.00 | 2,273 | 100,012 | 87,531 | Jul 24 |
| Wait Brett Levi | SVP, Chief Information Officer | May 26 '26 | Sale | 42.27 | 1,640 | 69,323 | 16,873 | May 27 |
| Lee Michael Eugene | SVP, Chief Regulatory Officer | May 21 '26 | Sale | 41.23 | 867 | 35,746 | 32,764 | May 26 |
| Beckwith James Eugene | President & CEO | May 20 '26 | Sale | 41.23 | 6,428 | 265,054 | 466,586 | May 22 |
| Wait Brett Levi | SVP & CIO | May 14 '26 | Sale | 41.11 | 2,583 | 106,179 | 17,608 | May 15 |
| Lee Michael Eugene | SVP & Chief Regulatory Officer | May 07 '26 | Sale | 41.26 | 1,641 | 67,708 | 33,631 | May 08 |
| Ramirez-Medina Lydia Ann | EVP & Chief Operating Officer | May 06 '26 | Sale | 40.99 | 400 | 16,396 | 10,960 | May 07 |
| Beckwith James Eugene | President & CEO | Mar 09 '26 | Sale | 36.66 | 4,000 | 146,620 | 473,014 | Mar 11 |
| Lee Michael Eugene | SVP & Chief Regulatory Officer | Feb 20 '26 | Sale | 39.30 | 1,200 | 47,160 | 35,272 | Feb 23 |
| Lee Michael Eugene | SVP & Chief Regulatory Officer | Feb 17 '26 | Sale | 40.73 | 1,200 | 48,882 | 36,472 | Feb 19 |