Five Star Bank/$FSBC
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Capital at risk
About Five Star Bank
Five Star Bancorp is a bank holding company that operates in California through its subsidiary, a state-chartered non-member bank. The company provides a broad range of banking products and services to small and medium-sized businesses, professionals, and individuals. It offers loan products like commercial real estate loans, commercial loans, commercial land and construction loans, and farmland loans, and offers deposit products like checking accounts, savings accounts, money market accounts, and term certificate accounts. The group has one reportable operating segment: Banking.
- Ticker
- $FSBC
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 236
- Headquarters
- Rancho Cordova, United States
- Website
- www.fivestarbank.com
Five Star Bank Metrics
BasicAdvanced
$1.1B
13.35
$3.38
0.52
$0.95
2.22%
Price and volume
Market cap
$1.1B
Beta
0.52
52-week high
$50.26
52-week low
$30.68
Average daily volume
159K
Dividend rate
$0.95
Financial strength
Dividend payout ratio (TTM)
26.71%
Profitability
Net profit margin (TTM)
42.96%
Operating margin (TTM)
58.78%
Effective tax rate (TTM)
25.27%
Revenue per employee (TTM)
$710,000
Management effectiveness
Return on assets (TTM)
1.47%
Return on equity (TTM)
16.17%
Valuation
Price to earnings (TTM)
13.346
Price to revenue (TTM)
5.719
Price to book
2.04
Price to tangible book (TTM)
2.04
Price to free cash flow (TTM)
11.907
Free cash flow yield (TTM)
8.40%
Free cash flow per share (TTM)
3.788
Dividend yield (TTM)
2.11%
Forward dividend yield
2.22%
Growth
Revenue change (TTM)
26.85%
Earnings per share change (TTM)
38.58%
3-year revenue growth (CAGR)
13.39%
3-year earnings per share growth (CAGR)
4.45%
3-year dividend per share growth (CAGR)
10.72%
Bulls say / Bears say
Net income for Q2 2026 rose to $19.4 million, a 4.2% increase from Q1 2026 and a 33.8% increase year-over-year, reflecting strong earnings momentum in a volatile environment (SEC 10-Q).
Total loans held for investment grew by $306.3 million, or 7% quarter-over-quarter (approximately 29% annualized), underscoring robust demand across commercial and real estate lending verticals (SEC 10-Q).
Total deposits increased by $330.0 million, or 7.38% quarter-over-quarter (approximately 30% annualized), driven by growth in non-wholesale deposits, bolstering the bank’s funding base (SEC 10-Q).
Net interest margin compressed by seven basis points to 3.63% quarter-over-quarter, signaling pressure on lending yields amid competitive deposit pricing (SEC 10-Q).
Wholesale deposits declined by $133.1 million, or 34.74% quarter-over-quarter, which may increase reliance on more volatile funding sources and affect liquidity resilience (SEC 10-Q).
Return on average assets decreased to 1.49% from 1.55% quarter-over-quarter, indicating a slight dip in overall asset profitability despite higher net income (SEC 10-Q).
Data summarised monthly by Lightyear AI. Last updated on 29 Aug 2026.
Upcoming events
No upcoming events
Five Star Bank News
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Funds containing Five Star Bank
AllEURGBP
Fund name | Fund size | $FSBC weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.03% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.01% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.01% |
SPDR MSCI All Country World IM€SPYI | €7.5B | 0.00% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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