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Five Star Bancorp(NASDAQ) FSBC

Current Price$46.93
Market Cap$1.00BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2021)+122%
5 Year+126%
1 Year+62%
1 Month-1%
Five Star Bancorp last closing stock price
MetricPriceDate
Last closeUSD 46.812026-07-24
Five Star Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-4.1%USD 48.812026-07-17
1 month-0.95%USD 47.262026-06-24
3 month+16.29%USD 40.252026-04-24
Year to date+32.46%USD 35.342025-12-31
1 year+61.75%USD 28.942025-07-24
3 year+109.79%USD 22.312023-07-25
5 year+125.76%USD 20.732021-07-23
Since inception+121.74%USD 21.112021-05-05

Five Star Bancorp Financials at a Glance

Market Cap

$1.00BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$278.25M

Net Income (TTM)

$72.01M

EPS (TTM)

$3.38

P/E Ratio

13.85

Dividend

$0.90

Beta (Volatility)

0.77 (Low)

Price

$46.93

Volume

9,563

Open

$47.28

Previous Close

$46.93

Daily Range

$46.54 - $47.63

52-Week Range

$28.34 - $50.26

Estimated Earnings Date

Oct 26, 2026

FSBC News

No articles available.

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About Five Star Bancorp

Five Star Bancorp helps small businesses and families manage their money and get loans. It serves people mainly in Northern California through local bank branches and online tools. These services help local companies grow and individuals buy homes or save for the future.

What Does the Bank Offer?

  • Commercial Real Estate Loans: Financing for business properties and construction projects; accounted for 81% of total loans at year-end 2025.
  • Business Lending: Operating lines of credit and specialized loans for farmers and small businesses; commercial loans made up 7% of total loans.
  • Deposit Services: Checking, savings, and money market accounts for individuals and municipalities; totaled $4.2 billion by late 2025.
  • SBA Loans: Government-guaranteed loans for small businesses nationwide; represented less than 1% of the total loan portfolio in 2025.

Expanding the Footprint

  • Opened a full-service branch in Walnut Creek in September 2025 to enter the San Francisco Bay Area market.
  • Hired ten new staff members in 2025, including loan and business development officers, to support geographic growth.
  • Terminated Subchapter S status in May 2021 to become a taxable C Corporation during its initial public offering.

Why Local Expertise Matters

The company focuses on specialized banking for niche sectors like agriculture, faith-based organizations, and local real estate. Its strategy relies on deep local connections and fast decision-making to compete against much larger national banks.

Checking the Ledger

  • Net income reached $18.6 million in Q1 2026, a 42% increase from $13.1 million in Q1 2025.
  • Total revenue grew 20% year-over-year to reach $69.7 million in Q1 2026.
  • Operating income climbed to $25 million in Q1 2026, up 36.1% compared to $18.4 million in Q1 2025.
  • Total assets reached $4.8 billion by December 31, 2025, supported by $4.2 billion in customer deposits.

Bottom Line

Five Star Bancorp has transitioned from a local Sacramento lender to a growing regional player expanding into the San Francisco Bay Area. Its focus on specialized business lending and local relationships has driven significant asset and profit growth since its 2021 market debut.

AI Generated • May 3, 2026

Industry

Banks

Sector

Financials

Employees

233

CEO

James E. Beckwith

Website

www.fivestarbank.com

Headquarters

Rancho Cordova, CA 95670, US

FSBC Financials

Key Financial Metrics (TTM)

Gross Margin

60.39%

Operating Margin

34.63%

Net Income Margin

25.88%

Return on Equity

15.92%

Return on Capital

15.75%

Return on Assets

1.34%

Earnings Yield

7.22%

Dividend Yield

1.92%

Payout Ratio

19.29%

Stock Overview

Market Cap

$1.00BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

21.38M

Volume

9.56K

Avg. Volume

149.41K

Financials (TTM)

Gross Profit

$168.04M

Operating Income

$96.36M

EBITDA

$98.83M

Operating Cash Flow

$58.28M

Capital Expenditure

-$1.02M

Free Cash Flow

$57.26M

Cash & ST Invst.

$136.55M

Total Debt

$74.11M

Five Star Bancorp Performance Analysis

Five Star Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 125,075,00040.8%
20232023-12-31USD 181,893,00045.4%
20242024-12-31USD 213,404,00017.3%
20252025-12-31USD 255,468,00019.7%
Five Star Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-307.3%
Q42025-12-312.0%
Q12026-03-312.8%
Q22026-06-306.4%
Five Star Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.61-7.8%
20232023-12-31USD 2.786.4%
20242024-12-31USD 2.26-18.6%
20252025-12-31USD 2.9028.1%
Five Star Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3013.2%
Q42025-12-317.8%
Q12026-03-314.8%
Q22026-06-304.6%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$74.20M

+19.7%

Gross Profit

$45.71M

+29.1%

Gross Margin

61.60%

N/A

Market Cap

$1.00BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$4.29M

N/A

Employees

233

N/A

Net Income

$19.40M

+33.7%

EBITDA

$26.65M

+29.7%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$136.55M

-74.9%

Total Debt

$74.11M

-9.3%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$74.11M

-9.3%

Short Term Debt

$0.00

N/A

Return on Assets

1.34%

N/A

Return on Invested Capital

16.68%

N/A

Free Cash Flow

$0.00

-100.0%

Operating Cash Flow

$0.00

-100.0%

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Questions About FSBC

What is the current price of Five Star Bancorp?

Five Star Bancorp is trading at $46.93 per share.

What is the 52-week range for Five Star Bancorp?

Over the past 52 weeks, Five Star Bancorp has traded between $28.34 and $50.26.

How much debt does Five Star Bancorp have?

As of the most recent reporting period, Five Star Bancorp reported total debt of $85.38M.

How much cash does Five Star Bancorp have on hand?

Five Star Bancorp does not have cash on hand data available.

What is Five Star Bancorp’s dividend yield?

Five Star Bancorp currently has a dividend yield of 1.92%.

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