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Five Star Bancorp(FSBC)Earnings, Financials & Key Ratios
FSBC•NASDAQ•Banking & Credit
$47.69
16.4× P/E·Price updated Jun 25, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutFive 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.Show more
- Net Interest Income$153M+28.0%
- Total Revenue$255M+20.4%
- Net Income$62M+34.9%
- Return on Equity14.63%+9.3%
- Net Interest Margin3.22%+9.1%
- Efficiency Ratio25.45%+1.3%
- ROA1.4%+17.1%
- Equity / Assets9.38%-4.2%
- Book Value per Share20.96+6.8%
FSBC Price & Volume
Five Star Bancorp (FSBC) stock price & volume — 10-year historical chart
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Aggressive Asset Growth Faces Rising Credit Risks
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Strong
Financial Position:Healthy
Cash Flow:Robust
Primary Risk:CRE Concentration Vulnerability
"Five Star Bancorp has demonstrated significant scale expansion, growing total assets from $3.5 billion in 2024Q1 to $4.9 billion by 2026Q1, while maintaining a lean operational profile with efficiency ratios consistently between 24% and 26%. However, the recent $17.4 million provision for credit losses in 2026Q1 suggests management is bracing for potential deterioration within its concentrated commercial real estate portfolio. Investors should monitor whether this proactive provisioning successfully mitigates the risks inherent in the bank's heavy geographic exposure to the Northern California market."
Verdict Logic
while the bank shows strong operational efficiency with a 26.0% efficiency ratio as of 2025Q4, the sharp increase in credit loss provisions to $17.4 million in 2026Q1 warrants caution regarding asset quality.
FSBC Growth Metrics
Five Star Bancorp (FSBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years25.23%
3 Years27.32%
TTM-
Profit CAGR
10 Years-
5 Years11.39%
3 Years11.2%
TTM39.39%
EPS CAGR
10 Years-
5 Years5.58%
3 Years3.57%
TTM38.16%
Return on Capital
10 Years10.59%
5 Years13.8%
3 Years9.58%
Last Year3.19%
FSBC Recent Earnings
Five Star Bancorp (FSBC) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 3/12 qtrs (25%)
Q2 2026Latest
Apr 27, 2026Metric
Actual
Est
EPS
$0.87+8.8%
$0.80
Rev
$45M+1.4%
$44M
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.83+7.8%
$0.77
Rev
$41M-4.5%
$43M
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.77+8.5%
$0.71
Rev
$41M-1.8%
$42M
Q3 2025
Jul 23, 2025Metric
Actual
Est
EPS
$0.68+4.6%
$0.65
Rev
$38M-5.0%
$40M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.87vs $0.80+8.8% | $45Mvs $44M+1.4% |
| Q1 2026 | Jan 26, 2026 | $0.83vs $0.77+7.8% | $41Mvs $43M-4.5% |
| Q4 2025 | Oct 27, 2025 | $0.77vs $0.71+8.5% | $41Mvs $42M-1.8% |
| Q3 2025 | Jul 23, 2025 | $0.68vs $0.65+4.6% | $38Mvs $40M-5.0% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Five Star Bancorp (FSBC)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $47.69 | $1.02B | 16.44 | 20.39% | 24.12% | 14.63% | 1.68% | |
| $22.46 | $3.05B | 14.78 | -2.33% | 32.4% | 9.16% | — | |
| $38.01 | $2.81B | 14.45 | -1.58% | 18.26% | 8.36% | — | |
| $67.94 | $2.31B | 12.05 | -0.95% | 24.82% | 10.66% | — | |
| $32.07 | $7.63B | 13.94 | 8.35% | 19.56% | 9.16% | — | |
| $84.30 | $4.4B | 9.06 | 173.81% | 14.31% | 12.02% | — |
Compare FSBC vs Peers
Five Star Bancorp (FSBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FSBC SEC Filings & Documents
Five Star Bancorp (FSBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FSBC Frequently Asked Questions
Five Star Bancorp (FSBC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Five Star Bancorp growing?
Five Star Bancorp (FSBC) grew revenue by 20.4% over the past year. This is strong growth.
Is FSBC profitable?
Yes, Five Star Bancorp (FSBC) is profitable, generating $67.1M in net income for fiscal year 2025 (24.1% net margin).
Dividend & Returns
Does FSBC pay dividends?
Yes, Five Star Bancorp (FSBC) pays a dividend with a yield of 1.68%. This makes it attractive for income-focused investors.
What is FSBC's return on equity?
Five Star Bancorp (FSBC) has a return on equity (ROE) of 14.6%. This is reasonable for most industries.
Industry Metrics
What is Five Star Bancorp's net interest margin?
Five Star Bancorp (FSBC) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
What is Five Star Bancorp's efficiency ratio?
Five Star Bancorp (FSBC) has an efficiency ratio of 25.4%. This is excellent, indicating strong cost control.