Five Star Bank/$FSBC
1D1W1M3M6MYTD1Y5YMAX
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
12.71
$3.53
0.54
$0.95
2.23%
Price and volume
Market cap
$1.1B
Beta
0.54
52-week high
$50.26
52-week low
$32.20
Average daily volume
154K
Dividend rate
$0.95
Financial strength
Profitability
Net profit margin (TTM)
43.36%
Operating margin (TTM)
59.24%
Effective tax rate (TTM)
25.16%
Revenue per employee (TTM)
$760,000
Management effectiveness
Return on assets (TTM)
1.52%
Return on equity (TTM)
14.80%
Valuation
Price to earnings (TTM)
12.711
Price to revenue (TTM)
5.485
Price to book
1.79
Price to tangible book (TTM)
1.79
Dividend yield (TTM)
2.11%
Forward dividend yield
2.23%
Growth
Revenue change (TTM)
26.06%
Earnings per share change (TTM)
31.09%
3-year revenue growth (CAGR)
15.52%
3-year earnings per share growth (CAGR)
6.57%
3-year dividend per share growth (CAGR)
10.06%
What the Analysts think about Five Star Bank
Analyst ratings (Buy, Hold, Sell) for Five Star Bank stock.
Analyst projections of the future price of Five Star Bank stock.
Bulls say / Bears say
Second-quarter net income rose to $19.4 million from $14.5 million a year earlier, while diluted earnings per share increased to $0.91 from $0.68. Loans grew 20% year on year, giving the bank a larger base from which to earn interest. (Five Star Bancorp)
The bank is attracting more customer-funded deposits: non-wholesale deposits rose 11.3% in the quarter, while wholesale deposits fell 34.7%. Net interest margin was also 10 basis points higher than a year earlier despite lower market rates, suggesting the bank has so far managed its funding costs well. (Five Star Bancorp)
Five Star is extending its California footprint with a new Lodi branch and a Calabasas office, building out its agribusiness and Southern California commercial banking teams. If these new markets produce lasting customer relationships, they could broaden the bank’s sources of future growth. (Five Star Bancorp, OTC Markets)
Net interest margin fell from 3.70% to 3.63% quarter on quarter as rapid balance-sheet growth diluted asset yields. The efficiency ratio also worsened to 40.91% from 38.57%, showing that growth is bringing higher costs as well as revenue. (Five Star Bancorp)
Real-estate-related lending made up 85% of loans at June-end, leaving the bank exposed if local property values or borrowers’ finances weaken. Non-performing loans rose to 0.30% of loans from 0.07% in the prior quarter after an $11.4 million loan went on non-accrual. (SEC, Five Star Bancorp)
Deposits are concentrated among large customers: relationships above $5 million accounted for 63.9% of deposits, and the largest single relationship represented 7.1%. A few large withdrawals could therefore put pressure on funding and liquidity, even though the bank reports substantial available liquidity. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 22 Oct 2026.
Five Star Bank Financial Performance
Revenues and expenses
Five Star Bank Earnings Performance
Company profitability
Upcoming events
Five Star Bank News
AllArticlesVideos
Funds containing Five Star Bank
Fund name | Fund size | $FSBC weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.03% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.03% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.01% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | $3.2B | 0.01% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | $3.2B | 0.01% |
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.