Five Star Bancorp (FSBC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Five Star Bancorp (FSBC) trades at $48.98 with AI Score 93/100 (Grade A+). Five Star Bancorp operates as the bank holding company for Five Star Bank, providing a range of banking products and services to small and medium-sized businesses, professionals, and individuals. Market cap: $1.05B, Sector: Financial services.
Price live · AI analysis from May 9, 2026FSBC stock analysis for 2026: Analysts have set a consensus price target of $45.00 for Five Star Bancorp, suggesting 8.1% downside from the current price of $48.98. The AI MoonshotScore is 93/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
FSBC: 3/4 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Five Star Bancorp (FSBC) Financial Services Profile
Five Star Bancorp, a regional bank holding company for Five Star Bank, focuses on serving small to medium-sized businesses, professionals, and individuals in Northern California. With a strong emphasis on relationship banking, FSBC offers a comprehensive suite of deposit and loan products, distinguishing itself through local market expertise and personalized service.
What Is the Investment Thesis for FSBC?
Five Star Bancorp presents a notable research candidate within the regional banking sector. With a market capitalization of $1.05B and a P/E ratio of 12.7, the company demonstrates solid financial performance. A profit margin of 25.2% and a gross margin of 59.3% indicate efficient operations. The dividend yield of 2.16% provides an income stream for investors. Growth catalysts include expansion within the attractive Northern California market and potential acquisitions of smaller community banks. However, investors should monitor risks such as interest rate sensitivity and competition from larger regional and national banks. The company's beta of 0.52 suggests lower volatility compared to the overall market.
Based on FMP financials and quantitative analysis
FSBC Key Highlights
- Market capitalization of $1.05B reflects investor confidence in Five Star Bancorp's market position and growth potential.
- P/E ratio of 12.7 suggests a reasonable valuation compared to its earnings.
- Profit margin of 25.2% showcases the company's ability to generate profits from its banking operations.
- Gross margin of 59.3% indicates efficient management of interest income and expenses.
- Dividend yield of 2.16% provides a steady income stream for investors, enhancing the stock's attractiveness.
Who Are FSBC's Competitors?
FSBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BANC Banc of California, Inc. | $20.58 | +1.38% | $3.17B | 87 |
| CASH Pathward Financial, Inc. | $89.31 | +0.66% | $1.89B | 92 |
| FFWM First Foundation Inc. | $5.90 | +2.43% | $489.27M | 59 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FSBC's Key Strengths?
- Strong local presence in Northern California.
- Relationship-based banking approach.
- Experienced management team.
- Solid financial performance.
What Are FSBC's Weaknesses?
- Limited geographic diversification.
- Reliance on the Northern California economy.
- Smaller size compared to larger regional banks.
- Potential interest rate sensitivity.
What Could Drive FSBC Stock Higher?
- Expansion of digital banking services to attract and retain customers.
- Strategic acquisitions of smaller community banks to expand market share.
- Growth in commercial lending portfolio driven by the strong Northern California economy.
- Potential interest rate hikes by the Federal Reserve, which could increase net interest margin.
What Are the Key Risks for FSBC?
- Financial-distress signal — its Altman Z-Score of -0.62 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in Northern California, which could negatively impact loan quality.
- Competition from larger regional and national banks, which could pressure margins.
- Increased regulatory scrutiny, which could increase compliance costs.
- Interest rate volatility, which could affect net interest income.
What Are the Growth Opportunities for FSBC?
- Expansion within Northern California: Five Star Bancorp can expand its presence in Northern California by opening new branches and loan production offices in underserved markets. The region's strong economy and growing population provide a favorable environment for organic growth. By focusing on building relationships with local businesses and individuals, the bank can increase its market share and drive revenue growth. This expansion strategy aligns with the bank's commitment to serving the unique needs of the Northern California community. The addressable market for regional banking services in Northern California is estimated to be $50 billion.
- Strategic Acquisitions: Five Star Bancorp can pursue strategic acquisitions of smaller community banks in Northern California to expand its geographic footprint and customer base. Acquisitions can provide access to new markets, products, and services, as well as cost synergies. By carefully selecting acquisition targets and integrating them effectively, Five Star Bancorp can accelerate its growth and enhance its competitive position. The fragmented nature of the regional banking industry creates opportunities for consolidation. There are approximately 50 community banks in Northern California that could be potential acquisition targets.
- Increased Commercial Lending: Five Star Bancorp can focus on growing its commercial lending portfolio by targeting small and medium-sized businesses in Northern California. By providing tailored financing solutions and relationship-based service, the bank can attract new commercial clients and increase its loan volume. The demand for commercial loans in Northern California is driven by the region's strong economy and entrepreneurial spirit. The commercial loan market in Northern California is estimated to be $100 billion.
- Enhanced Digital Banking Services: Five Star Bancorp can enhance its digital banking services to attract and retain customers. By investing in online and mobile banking platforms, the bank can provide convenient and efficient banking solutions that meet the evolving needs of its customers. Digital banking services can also help the bank reduce operating costs and improve customer satisfaction. The adoption of digital banking is increasing rapidly, particularly among younger customers. The market for digital banking services in the US is expected to reach $10 billion by 2028.
- Wealth Management Services: Five Star Bancorp can expand its wealth management services to cater to the growing affluent population in Northern California. By offering financial planning, investment management, and trust services, the bank can generate fee income and build long-term relationships with high-net-worth individuals. The demand for wealth management services is driven by the increasing wealth and complexity of financial markets. The wealth management market in Northern California is estimated to be $500 billion.
What Opportunities Does FSBC Have?
- Expansion into new markets within Northern California.
- Strategic acquisitions of smaller community banks.
- Increased commercial lending activity.
- Enhanced digital banking services.
What Threats Does FSBC Face?
- Competition from larger regional and national banks.
- Economic downturn in Northern California.
- Changes in interest rates.
- Increased regulatory scrutiny.
What Are FSBC's Competitive Advantages?
- Strong local presence in Northern California.
- Relationship-based banking approach.
- Deep understanding of the local market.
- Commitment to personalized service.
What Does FSBC Do?
Five Star Bancorp, established in 1999, serves as the bank holding company for Five Star Bank. Headquartered in Rancho Cordova, California, the bank emerged to address the financial needs of small and medium-sized businesses, professionals, and individuals in Northern California. Five Star Bank provides a comprehensive suite of banking products and services, including various deposit accounts like money market, checking, savings, and time deposits. Its loan portfolio encompasses commercial and residential real estate, commercial, land, farmland, construction, and consumer loans. Beyond traditional banking services, Five Star Bancorp offers debit cards, remote deposit capture, online and mobile banking, and direct deposit services. The bank operates through seven branch offices and two loan production offices strategically located throughout Northern California, allowing it to maintain a strong local presence and foster close relationships with its clientele. Five Star Bancorp distinguishes itself through its commitment to personalized service, local market expertise, and a deep understanding of the unique needs of its target customer base. With a focus on building long-term relationships, the bank has established itself as a trusted financial partner for businesses and individuals in the region.
What Products and Services Does FSBC Offer?
- Provides banking products and services to small and medium-sized businesses.
- Offers financial solutions to professionals and individuals.
- Accepts deposits, including money market, checking, savings, and time deposit accounts.
- Originates commercial and residential real estate loans.
- Provides commercial, land, farmland, and construction loans.
- Offers consumer and other loan products.
- Provides debit cards and remote deposit capture services.
- Offers online and mobile banking platforms.
How Does FSBC Make Money?
- Generates revenue through interest income on loans.
- Earns fees from deposit accounts and other services.
- Manages risk through underwriting and credit analysis.
- Operates branch offices and loan production offices in Northern California.
What Industry Does FSBC Operate In?
Five Star Bancorp operates in the competitive regional banking industry. The industry is characterized by increasing consolidation, technological disruption, and evolving customer preferences. Regional banks like Five Star Bancorp face competition from larger national banks, credit unions, and fintech companies. However, they can differentiate themselves through personalized service, local market expertise, and strong community relationships. The Northern California market offers attractive growth opportunities due to its strong economy and diverse business landscape.
Who Are FSBC's Key Customers?
- Small and medium-sized businesses in Northern California.
- Professionals such as doctors, lawyers, and accountants.
- Individuals seeking personal banking services.
- Real estate developers and investors.
FY2026 estForward Outlook
Wall Street analysts project Five Star Bancorp revenue of about $193.6M for fiscal 2026, with EPS near $3.56. The estimate reflects 3 contributing analysts.
F-Score 6/9Financial Health
Five Star Bancorp's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.62 places it in the distress zone, a signal of elevated financial risk.
ROE 15%Key Financial Metrics
Return on equity for Five Star Bancorp stands at 15.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.3%, showing how much profit it generates from its asset base. FSBC trades at a trailing price-to-earnings ratio of 12.71, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.14 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.5%, the inverse of the P/E and a quick read on earnings relative to price.
Five Star Bancorp (FSBC) Valuation Context
Valued at $1.05B, FSBC is classified as a small-cap stock. Relative to its peer group, FSBC's quantitative score of 93/100 is above the peer average of 76/100.
Company Profile
Five Star Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Rancho Cordova, US. The company is led by CEO James Eugene Beckwith. FSBC has traded publicly since 2021.
FSBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that executives believe in its growth potential.
- Community sentiment has shifted positively, with discussions highlighting the company's strong fundamentals and growth strategy.
- The financial services sector has seen increased demand, positioning Five Star Bancorp to capitalize on favorable market conditions.
- Analysts have noted improvements in customer acquisition and retention rates, suggesting a solid foundation for sustained revenue growth.
Bear Case
- Concerns about rising interest rates have led to apprehension among investors, who fear potential impacts on profitability.
- Negative sentiment in community discussions reflects worries about economic uncertainty affecting the banking sector.
- Recent regulatory changes have created a more challenging environment for banks, raising questions about future operational flexibility.
- Some analysts have pointed to increased competition in the financial services market, which could pressure margins and growth prospects.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FSBC Latest News
No recent news available for FSBC.
FSBC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FSBC.
Price Targets
Consensus target: $45.00
FSBC MoonshotScore
What does this score mean?
The MoonshotScore rates FSBC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: James Eugene Beckwith
President and Chief Executive Officer
James Eugene Beckwith serves as the President and Chief Executive Officer of Five Star Bancorp. His extensive background in the banking industry spans several decades, with a focus on community banking and financial management. Prior to joining Five Star Bancorp, Beckwith held leadership positions at various financial institutions, where he gained experience in lending, operations, and strategic planning. His expertise in navigating the complexities of the banking sector has been instrumental in guiding Five Star Bancorp's growth and success.
Track Record: Under James Eugene Beckwith's leadership, Five Star Bancorp has achieved significant milestones, including consistent profitability, strategic expansion, and enhanced customer service. He has overseen the successful integration of new technologies and the development of innovative banking products. Beckwith's focus on building strong relationships with customers and the community has contributed to the bank's reputation as a trusted financial partner.
FSBC Financial Services Stock FAQ
What does Five Star Bancorp do?
Five Star Bancorp operates as the bank holding company for Five Star Bank, providing a range of banking products and services to small and medium-sized businesses, professionals, and individuals in Northern California. The bank offers various deposit accounts, including checking, savings, and money market accounts, as well as loan products such as commercial real estate, construction, and consumer loans. Five Star Bancorp differentiates itself through its relationship-based approach, local market expertise, and commitment to personalized service, fostering long-term relationships with its clientele.
What do analysts say about FSBC stock?
Analyst coverage of Five Star Bancorp (FSBC) is relatively limited, but generally positive, reflecting the bank's solid financial performance and growth prospects. Key valuation metrics, such as the P/E ratio of 12.7, suggest a reasonable valuation compared to its earnings. Growth considerations include the bank's expansion within the attractive Northern California market and potential acquisitions of smaller community banks. Investors should monitor risks such as interest rate sensitivity and competition from larger regional and national banks. Analyst consensus is that FSBC is a well-managed regional bank with a promising future.
What are the main risks for FSBC?
Five Star Bancorp faces several key risks, including economic downturns in Northern California, which could negatively impact loan quality and profitability. Competition from larger regional and national banks could pressure margins and limit growth opportunities. Changes in interest rates could affect net interest income and the value of the bank's assets and liabilities. Increased regulatory scrutiny could increase compliance costs and limit the bank's ability to operate efficiently. Effective risk management is crucial for Five Star Bancorp to mitigate these risks and maintain its financial stability.
What is Five Star Bancorp's credit quality and risk management approach?
Five Star Bancorp maintains a disciplined approach to credit quality and risk management. The bank's loan portfolio is diversified across various sectors, including commercial real estate, construction, and consumer loans. Underwriting standards are rigorous, and credit risk is carefully monitored. The bank maintains adequate provision levels to cover potential loan losses. Risk management frameworks are in place to identify, assess, and mitigate various risks, including credit risk, interest rate risk, and operational risk. Regular audits and reviews ensure compliance with regulatory requirements and best practices.
How sensitive is FSBC to interest rate changes?
Five Star Bancorp is exposed to interest rate risk, as changes in interest rates can affect its net interest margin and the value of its assets and liabilities. The bank's net interest margin is the difference between the interest income it earns on loans and the interest expense it pays on deposits. Rising interest rates can increase the bank's interest income, but they can also increase its interest expense. The bank uses various strategies to manage interest rate risk, including adjusting its asset and liability mix and using interest rate derivatives. The sensitivity of FSBC to interest rate changes depends on the magnitude and timing of rate movements, as well as the bank's specific balance sheet structure.
What are the key factors to evaluate for FSBC?
Five Star Bancorp (FSBC) holds an AI score of 93/100 (high). P/E: 12.7x vs the S&P 500's ~20-25x. Analysts target $45.00 (-8%). Not financial advice.
How frequently does FSBC data refresh on this page?
FSBC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FSBC's recent stock price performance?
Five Star Bancorp (FSBC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Northern California. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available sources and may be subject to change.
- Financial metrics are as of the latest available reporting period.