FSBC Stock Analysis: Five Star Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.084m USD | 12M Return: 36.5% | US33830T1034 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.96M
EPS Trend: 40.2%
Qual. Beats: 7
Rev. Trend: 99.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Five Star Bancorp (NASDAQ: FSBC) is the holding company for Five Star Bank, a regional bank headquartered in Rancho Cordova, California, that primarily serves small and medium-sized businesses, professionals, and individuals in Northern California. Founded in 1999 and publicly listed since 2021, the company operates within the regional banking sector, where institutions typically focus on localized lending and deposit-gathering rather than nationwide consumer banking.
The bank generates revenue through a traditional community banking model, accepting deposits such as checking, savings, money market, and time deposit accounts, and originating a diverse loan portfolio that includes commercial real estate, construction, residential, farmland, SBA, and consumer loans. As a regional bank, Five Stars earnings are closely tied to net interest margin, the spread between loan yields and deposit costs, which makes its loan mix and funding base key performance drivers.
In addition to core lending and deposit services, Five Star supports its customers with digital and treasury management tools like online and mobile banking, debit cards, remote deposit capture, and direct deposit. It also maintains an investment portfolio composed of U.S. government agency securities, mortgage-backed securities, and municipal obligations, a typical liquidity and yield-management strategy used by community banks to supplement interest income from loans.
- CRE loan losses mount on office property exposure
- Net interest margin compresses as deposit costs rise
- Northern California loan concentration limits portfolio diversification
| Net Income: 72.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.05 > 1.0 |
| NWC/Revenue: -1.68k% < 20% (prev -1.44k%; Δ -237.1% < -1%) |
| CFO/TA 0.02 > 3% & CFO 82.0m > Net Income 72.0m |
| Net Debt (-51.2m) to EBITDA (98.8m): -0.52 < 3 |
| Current Ratio: 0.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (21.3m) vs 12m ago 0.09% < -2% |
| Gross Margin: 60.39% > 18% (prev 56.14%; Δ 4.25% > 0.5%) |
| Asset Turnover: 5.68% > 50% (prev 5.28%; Δ 0.41% > 0%) |
| Interest Coverage Ratio: 0.96 > 6 (EBIT TTM 96.4m / Interest Expense TTM 100.0m) |
| A: -0.87 (Total Current Assets 136.6m - Total Current Liabilities 4.80b) / Total Assets 5.38b |
| B: 0.03 (Retained Earnings 178.3m / Total Assets 5.38b) |
| C: 0.02 (EBIT TTM 96.4m / Avg Total Assets 4.90b) |
| D: 0.10 (Book Value of Equity 473.8m / Total Liabilities 4.90b) |
| Altman-Z'' = -5.35 = D |
As of September 27, 2026, the stock is trading at USD 43.83 with a total of 115,670 shares traded. Over the past week, the price has changed by -1.44%, over one month by -2.39%, over three months by -7.60% and over the past year by +36.50%.
Current recommended Stop Loss: 42.50 (which is 3% or 1.3 ATR below the current price).
Five Star Bancorp has received a consensus analysts rating of 4.25. Therefore, it is recommended to buy FSBC.
- StrongBuy: 2
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 52 | 18.6% |
P/E Trailing = 13.1068
P/S = 6.4661
P/B = 2.2969
Revenue TTM = 278.2m USD
EBIT TTM = 96.4m USD
EBITDA TTM = 98.8m USD
Long Term Debt = 74.1m USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 85.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 11.3m
Net Debt = -51.2m USD (calculated: Debt 85.4m - CCE 136.6m)
Enterprise Value = 1.03b USD (1.08b + Debt 85.4m - CCE 136.6m)
Interest Coverage Ratio = 0.96 (Ebit TTM 96.4m / Interest Expense TTM 100.0m)
EV/FCF = 12.83x (Enterprise Value 1.03b / FCF TTM 80.5m)
FCF Yield = 7.80% (FCF TTM 80.5m / Enterprise Value 1.03b)
FCF Margin = 28.93% (FCF TTM 80.5m / Revenue TTM 278.2m)
Net Margin = 25.88% (Net Income TTM 72.0m / Revenue TTM 278.2m)
Gross Margin = 60.39% ((Revenue TTM 278.2m - Cost of Revenue TTM 110.2m) / Revenue TTM)
Gross Margin QoQ = 61.60% (prev 61.91%)
Tobins Q-Ratio = 0.19 (Enterprise Value 1.03b / Total Assets 5.38b)
Interest Expense / Debt = 117.1% (Interest Expense 100.0m / Debt 85.4m)
Taxrate = 25.27% (24.4m / 96.4m)
NOPAT = 72.0m (EBIT 96.4m * (1 - 25.27%))
Current Ratio = 0.03 (Total Current Assets 136.6m / Total Current Liabilities 4.80b)
Debt / Equity = 0.18 (Debt 85.4m / totalStockholderEquity, last quarter 473.8m)
Debt / EBITDA = -0.52 (Net Debt -51.2m / EBITDA 98.8m)
Debt / FCF = -0.64 (Net Debt -51.2m / FCF TTM 80.5m)
Total Stockholder Equity = 452.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.47% (Net Income 72.0m / Total Assets 5.38b)
RoE = 15.92% (Net Income TTM 72.0m / Total Stockholder Equity 452.4m)
RoCE = 18.30% (EBIT 96.4m / Capital Employed (Equity 452.4m + L.T.Debt 74.1m))
RoIC = 12.77% (NOPAT 72.0m / Invested Capital 563.8m)
WACC = 7.79% (E(1.08b)/V(1.17b) * Re(8.40%) + (debt cost/tax rate unavailable))
Discount Rate = 8.40% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 55.73 | Cagr: 9.74%
[DCF] Terminal Value 77.97% ; FCFF base≈75.5m ; Y1≈86.6m ; Y5≈127.4m
[DCF] Fair Price = 80.25 (EV 1.92b - Net Debt -51.2m = Equity 1.97b / Shares 24.5m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 40.18 | EPS CAGR: 6.08% | SUE: 1.30 | # QB: 7
Revenue Correlation: 99.88 | Revenue CAGR: 19.26% | SUE: 0.83 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.86 | Chg30d=-5.52% | Revisions=-57% | Analysts=5
EPS current Year (2026-12-31): EPS=3.50 | Chg30d=-1.74% | Revisions=-38% | GrowthEPS=+20.5% | GrowthRev=+24.8%
EPS next Year (2027-12-31): EPS=3.75 | Chg30d=-5.02% | Revisions=-38% | GrowthEPS=+7.1% | GrowthRev=+16.0%
[Analyst] Revisions Ratio: -59% (up=2, down=12)