8-K Announcements
6Apr 28, 2026·SEC
Apr 20, 2026·SEC
Apr 15, 2026·SEC
Five Star Bancorp (FSBC) stock price & volume — 10-year historical chart
Investment Thesis • Updated 2026Q1
"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."
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.
Five Star Bancorp (FSBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Five Star Bancorp (FSBC) EPS & revenue vs analyst estimates — last 4 quarters
| 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% |
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% | — |
Five Star Bancorp (FSBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Five Star Bancorp (FSBC) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 28, 2026·SEC
Apr 20, 2026·SEC
Apr 15, 2026·SEC
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Five Star Bancorp (FSBC) stock FAQ — growth, dividends, profitability & financials explained
Five Star Bancorp (FSBC) grew revenue by 20.4% over the past year. This is strong growth.
Yes, Five Star Bancorp (FSBC) is profitable, generating $67.1M in net income for fiscal year 2025 (24.1% net margin).
Yes, Five Star Bancorp (FSBC) pays a dividend with a yield of 1.68%. This makes it attractive for income-focused investors.
Five Star Bancorp (FSBC) has a return on equity (ROE) of 14.6%. This is reasonable for most industries.
Five Star Bancorp (FSBC) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Five Star Bancorp (FSBC) has an efficiency ratio of 25.4%. This is excellent, indicating strong cost control.