Five Star Bank/$FSBC
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About Five Star Bank
Five Star Bancorp is a bank holding company through its subsidiary it operates in California 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
Primary listing
Employees
208
Headquarters
Website
Five Star Bank Metrics
BasicAdvanced
$796M
13.84
$2.69
0.49
$0.80
2.15%
Price and volume
Market cap
$796M
Beta
0.49
52-week high
$37.74
52-week low
$22.22
Average daily volume
60K
Dividend rate
$0.80
Financial strength
Profitability
Net profit margin (TTM)
40.36%
Operating margin (TTM)
57.74%
Effective tax rate (TTM)
28.48%
Revenue per employee (TTM)
$680,000
Management effectiveness
Return on assets (TTM)
1.34%
Return on equity (TTM)
13.95%
Valuation
Price to earnings (TTM)
13.843
Price to revenue (TTM)
5.565
Price to book
1.84
Price to tangible book (TTM)
1.84
Dividend yield (TTM)
2.15%
Forward dividend yield
2.15%
Growth
Revenue change (TTM)
25.41%
Earnings per share change (TTM)
19.48%
3-year revenue growth (CAGR)
14.04%
3-year earnings per share growth (CAGR)
2.47%
3-year dividend per share growth (CAGR)
10.06%
Bulls say / Bears say
Net income grew 10.7% from the prior quarter and 34.6% from a year earlier to $14.5 million in Q2 2025, driven by strong organic growth and expanded margins (GlobeNewswire).
Total loans held for investment grew $136.2 million (3.76%) and total deposits rose $158.3 million (4.24%) in Q2 2025, boosting net interest income and raising NIM to 3.53% (GlobeNewswire).
KBRA affirmed FSBC’s senior unsecured debt rating at BBB with a stable outlook on July 25, 2025, citing the company’s strong earnings, above-peer NIM, and a branch-lite model that keeps operating costs at 1.5% of assets (KBRA).
CRE loans made up 86.62% of the loan portfolio as of March 31, 2025, raising the risk from heavy exposure to Northern California real estate fluctuations (SEC).
Non-interest income was just about 5% of total revenue, leaving FSBC vulnerable to pressure on net interest margin if funding costs rise (KBRA).
The nonperforming loans ratio rose from 0.05% to 0.06% in Q2 2025 after a CRE loan went nonaccrual, suggesting early signs of weakening asset quality (GlobeNewswire).
Data summarised monthly by Lightyear AI. Last updated on 29 Sept 2025.
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FAQs
What’s the current market cap for Five Star Bank stock?
Five Star Bank (FSBC) has a market cap of $796M as of October 29, 2025.
What is the P/E ratio for Five Star Bank stock?
The price to earnings (P/E) ratio for Five Star Bank (FSBC) stock is 13.84 as of October 29, 2025.
Does Five Star Bank stock pay dividends?
Yes, the Five Star Bank (FSBC) stock pays dividends to shareholders. As of October 29, 2025, the dividend rate is $0.8 and the yield is 2.15%. Five Star Bank has a payout ratio of 0% on a trailing twelve-month basis.
When is the next Five Star Bank dividend payment date?
The next Five Star Bank (FSBC) dividend payment is scheduled for November 10, 2025.
What is the beta indicator for Five Star Bank?
Five Star Bank (FSBC) has a beta rating of 0.49. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.