Five Star Bancorp

Five Star Bancorp

FSBC
Five Star BancorpUS flagNASDAQ Global Select
46.96
USD
+0.55
- -
1.13BMarket Cap
Five Star Bancorp
FSBC
(NASDAQ Global Select)

Recent

price

46.96

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
FRC
3.57
4.54
5.6
6.36
6.83
6.2
7.4
8.31
Revenue per Share
1.8
2.21
2.83
2.62
2.78
2.27
2.9
3.39
Basic EPS, GAAP
1.75
3.11
1.87
2.66
2.23
2.54
3.36
3.79
Free Cash Flow per Basic Share
1.62
1.62
3.47
0.89
0.75
0.81
0.8
0.91
Dividend per Share
6.69
8.22
13.65
14.66
16.56
18.6
20.87
22.14
Book Value per Share
6.69
8.22
13.65
14.66
16.56
18.6
20.87
22.14
Tangible Book Value per Share
16
16
15
17
17
20
21
21
Basic Weighted Avg Shares
58
74
84
109
117
125
157
177
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
1
2
2
2
2
2
Depreciation Expense
29
36
42
45
48
46
62
72
Net Income, GAAP
3.49
3.56
9.98
28.73
28.34
29.43
26.42
25.27
Effective Tax Rate (%)
50.52
48.7
50.62
41.12
40.73
36.55
39.24
40.77
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
53
28
28
178
249
81
86
85
LT Debt
109
134
235
253
286
397
446
474
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
29.61
23.01
18.37
17.73
13.39
14.63
16.17
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
74
74
74
LT Finance Leases
12
12
11
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
21
21
21
Market Capitalization
765
806
1,042

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
565
647
756
Accounts Receivable, Net
12
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
29.5%
12.41%
Free Cash Flow
- -
15.08%
39.6%
Net Income, GAAP
- -
12.16%
34.89%
Sales/Revenue/Turnover
- -
16.69%
25.66%
Total Cash Common Dividend
- -
8.34%
5.18%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
28
30
31
35
125
2025
35
38
41
43
157
2026
45
48
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.62
0.51
0.52
0.63
2.27
2025
0.62
0.68
0.77
0.83
2.9
2026
0.88
0.91
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.2
0.2
0.2
0.2
0.81
2025
0.2
0.2
0.2
0.2
0.8
2026
0.25
0.25
- -
- -
- -
Business
Five Star Bancorp (NasdaqGS: FSBC) operates as the holding company for Five Star Bank, a California state-chartered commercial bank that provides a range of banking products and services to businesses, professionals, and individuals primarily in Northern California. The bank offers deposit products including checking accounts, money market deposit accounts, savings accounts, and time deposits; lending services such as commercial real estate loans, commercial and industrial loans, construction loans, multifamily loans, farmland loans, residential real estate loans, and consumer loans including auto loans and other consumer installment loans. Five Star Bank also provides cash management services, remote deposit capture, automated teller machine services, debit and credit card products, online and mobile banking services, and wealth management and trust services through its wholly owned subsidiary, Five Star Wealth Management, Inc. Founded in 2008 and headquartered in Sacramento, California, Five Star Bancorp serves the Sacramento metropolitan area, with additional branches in Roseville, Folsom, Davis, and Santa Rosa. The company focuses on relationship banking for small and middle-market businesses, professionals, and high-net-worth individuals in the commercial banking segment of the financial services industry. It maintains no subsidiaries other than Five Star Bank and emphasizes personalized service, local decision-making, and conservative underwriting standards. In recent developments, Five Star Bancorp reported strong financial performance in 2025, with assets growing to approximately $4.2 billion as of September 30, 2025, driven by organic loan and deposit expansion. The company completed a successful shelf registration of securities in early 2025 to support future capital-raising activities and announced a quarterly cash dividend increase to $0.20 per share in the third quarter of 2025, reflecting confidence in its earnings trajectory. No major acquisitions, partnerships, or strategic shifts were reported in the last 1-2 years; instead, the focus remains on steady growth in core markets amid a stable operational footprint.

Company News

  • Connor Clark & Lunn Investment Management Ltd. Makes New Investment in Five Star Bancorp $FSBC

  • Regional Bank Director Purchases 31,363 Shares for $1.4 Million, According to Recent SEC Filing

  • Five Star Bancorp Director Larry Allbaugh Buys $4.3 Million in Shares. What Does This Mean for Investors?

  • Five Star Bancorp Announces the Full Exercise and Closing of Underwriters' Option to Purchase Additional Shares in the Company's Underwritten Public Offering

  • Five Star Bancorp (FSBC) Q2 2026 Earnings Call Prepared Remarks Transcript

  • Five Star Bancorp Q2 Earnings Call Highlights

  • Five Star Bancorp Announces Pricing of Common Stock Offering

  • Compared to Estimates, Five Star Bancorp (FSBC) Q2 Earnings: A Look at Key Metrics

  • Five Star Bancorp (FSBC) Tops Q2 Earnings and Revenue Estimates

  • Five Star Bancorp Announces Launch of Common Stock Offering

  • Five Star Bancorp Announces Second Quarter 2026 Results

  • Five Star Bancorp Declares Second Quarter Cash Dividend

  • Five Star Bank adds four key hires in Palo Alto to support  San Francisco Bay Area expansion

  • Five Star Bancorp Announces Second Quarter 2026 Earnings Release Date and Webcast

  • Five Star Bancorp: A CRE-Focused Bank With An Exemplary Track Record

  • Five Star Bancorp to open full-service branch in Lodi to serve Central Valley entrepreneurs and agribusinesses

  • Five Star Bank Earns #1 Ranking in San Francisco Business Times' Best Places to Work

  • Are You Looking for a Top Momentum Pick? Why Five Star Bancorp (FSBC) is a Great Choice

  • Five Star Bancorp Names Cliff Cooper as Executive Vice President / Food, Agribusiness & Diversified Industries President

  • Five Star Bancorp Names Cliff Cooper as Executive Vice President / Food, Agribusiness & Diversified Industries President