/FSBC
FSBC Stock - Five Star Bancorp
Financial Services|Banks - RegionalNASDAQ
$36.99-1.70%
$0.64 (-1.70%) • Dec 19
75
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.BUY
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.88
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).66
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.100
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+8.1%upside
Target: $39.99
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ENTRY ZONE$36.62 – $37.36
TARGET (TP)$40.00
STOP LOSS$34.03
RISK/REWARD1:1.0
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.51
52W High$38.86
52W Low$22.22
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $212.20M | $180.70M | $123.79M | $87.82M | $82.96M |
| Gross Profit | $118.01M | $113.20M | $102.24M | $82.15M | $64.78M |
| Gross Margin | 55.6% | 62.6% | 82.6% | 93.5% | 78.1% |
| Operating Income | $64.72M | $66.62M | $62.86M | $47.15M | $37.26M |
| Net Income | $45.67M | $47.73M | $44.80M | $42.44M | $35.93M |
| Net Margin | 21.5% | 26.4% | 36.2% | 48.3% | 43.3% |
| EPS | $2.26 | $2.78 | $2.61 | $2.83 | $2.21 |
Company Overview
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals. The company accepts various deposits, such as money market, noninterest-bearing and interest checking accounts, savings accounts, and time deposits. Its loan products include commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans. The company also offers debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. It operates through seven branch offices and two loan production offices in Northern California. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
2
67%
Hold / Neutral
1
33%
Sell / Underperform
0%
Analyst Consensus🟡 Mixed
2 Bullish1 Neutral/Bearish
Price Targets
$38
Average Target
↑ 1.4% Upside
Now
$37
Low
$38
Average
$38
High
Based on 2 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| November 10th 2025 | Stephens | Downgrade | Equal Weight | $37 |
| October 10th 2025 | Janney | Initiation | Buy | - |
| December 19th 2024 | Raymond James | Initiation | Outperform | $38 |
Earnings History & Surprises
FSBCBeat Rate
94%
Last 18 quarters
Avg Surprise
+11.1%
EPS vs Estimate
Beats / Misses
17/1
Last 12 quarters
Latest EPS
$0.77
Q4 2025
EPS Surprise History
Q1 24
+6.8%
$0.63vs$0.59
Q2 24
+17.0%
$0.62vs$0.53
Q3 24
+4.1%
$0.51vs$0.49
Q4 24
-1.9%
$0.52vs$0.53
Q1 25
+6.8%
$0.63vs$0.59
Q2 25
+1.6%
$0.62vs$0.61
Q3 25
+4.6%
$0.68vs$0.65
Q4 25
+8.5%
$0.77vs$0.71
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 27, 2026 | — | — | — | — |
Q1 2026 | Jan 26, 2026 | $0.77 | — | — | — |
Q4 2025 | Oct 27, 2025 | $0.71 | $0.77 | +8.5% | ✓ BEAT |
Q3 2025 | Jul 23, 2025 | $0.65 | $0.68 | +4.6% | ✓ BEAT |
Q2 2025 | Apr 28, 2025 | $0.61 | $0.62 | +1.6% | ✓ BEAT |
Q1 2025 | Jan 27, 2025 | $0.59 | $0.63 | +6.8% | ✓ BEAT |
Q4 2024 | Oct 28, 2024 | $0.53 | $0.52 | -1.9% | ✗ MISS |
Q3 2024 | Jul 24, 2024 | $0.49 | $0.51 | +4.1% | ✓ BEAT |
Q2 2024 | Apr 29, 2024 | $0.53 | $0.62 | +17.0% | ✓ BEAT |
Q1 2024 | Jan 29, 2024 | $0.59 | $0.63 | +6.8% | ✓ BEAT |
Q4 2023 | Oct 30, 2023 | $0.60 | $0.64 | +6.7% | ✓ BEAT |
Q3 2023 | Jul 24, 2023 | $0.66 | $0.74 | +12.1% | ✓ BEAT |
Q2 2023 | Apr 24, 2023 | $0.69 | $0.77 | +11.6% | ✓ BEAT |
Q1 2023 | Jan 30, 2023 | $0.71 | $0.77 | +8.5% | ✓ BEAT |
Q4 2022 | Oct 24, 2022 | $0.65 | $0.68 | +4.6% | ✓ BEAT |
Q3 2022 | Jul 25, 2022 | $0.54 | $0.58 | +7.4% | ✓ BEAT |
Q2 2022 | Apr 25, 2022 | $0.53 | $0.58 | +9.4% | ✓ BEAT |
Q1 2022 | Jan 31, 2022 | $0.54 | $0.66 | +22.2% | ✓ BEAT |
Q4 2021 | Oct 25, 2021 | $0.46 | $0.64 | +39.1% | ✓ BEAT |
Q3 2021 | Jul 26, 2021 | $0.51 | $0.67 | +31.4% | ✓ BEAT |
Latest News
Keefe, Bruyette & Woods Maintains Market Perform on Five Star, Raises Price Target to $40
➖ NeutralBenzinga•Oct 30, 2025, 02:10 PM
Raymond James Reiterates Outperform on Five Star, Raises Price Target to $40
📈 PositiveBenzinga•Oct 29, 2025, 02:37 PM
Five Star Q3 EPS $0.77 Beats $0.71 Estimate, Sales $41.314M Beat $39.977M Estimate
📈 PositiveBenzinga•Oct 28, 2025, 07:17 AM
Janney Montgomery Scott Initiates Coverage On Five Star with Buy Rating, Announces Price Target of $37
📈 PositiveBenzinga•Oct 10, 2025, 06:41 PM
Frequently Asked Questions about FSBC
What is FSBC's current stock price?
Five Star Bancorp (FSBC) is currently trading at $36.99 per share. The stock has moved -1.70% today.
What is the analyst price target for FSBC?
The average analyst price target for FSBC is $40.00, based on 1 analyst.
What sector is Five Star Bancorp in?
Five Star Bancorp operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.
What is FSBC's market cap?
Five Star Bancorp has a market capitalization of $0.79 billion, making it a small-cap company.
Does FSBC pay dividends?
No, Five Star Bancorp does not currently pay a dividend to shareholders.
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