Five Star Bancorp (FSBC)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 47.20 $ — 88% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
Uses AIBestätigt am 10.07.2026 gegen den aktuellen Geschäftsbericht (10-K) 2025 und den Quartalsbericht (10-Q) Q1 2026: Five Star Bancorp setzt KI-Werkzeuge (einschließlich generativer KI und maschinellen Lernens) für begrenzte interne Zwecke ein und hat dadurch die eigene Effizienz gesteigert. KI ist keine Umsatzquelle und kein Produkt; die Risikoangaben betreffen nur den eigenen KI-Einsatz bzw. generische Cyber-Gefahren, kein eigenständiges Geschäftsmodell-Risiko. Kategorie unverändert „nutzt“.
View the full file — quotes, sources, reviewed filings
„Our adoption of artificial intelligence, including generative artificial intelligence, machine learning, and similar tools and technologies that collect, aggregate, analyze, or generate data or other materials or content (collectively, “AI”), for limited internal use has increased our efficiency, and we expect to continue to adopt such tools as appropriate."
Unsere Einführung von künstlicher Intelligenz — einschließlich generativer künstlicher Intelligenz, maschinellen Lernens und ähnlicher Werkzeuge und Technologien, die Daten oder andere Materialien oder Inhalte sammeln, aggregieren, analysieren oder erzeugen (zusammen „KI“) — für begrenzte interne Zwecke hat unsere Effizienz gesteigert, und wir gehen davon aus, solche Werkzeuge auch künftig bei Bedarf einzuführen.
„If we do not have sufficient rights to use the data or other material or content on which the AI tools we use rely, or to use the output of such AI tools, we also may incur liability through the violation of applicable laws and regulations, third-party intellectual property, privacy, or other rights or contracts to which we are a party."
Wenn wir nicht über ausreichende Rechte verfügen, die Daten oder sonstigen Materialien oder Inhalte zu nutzen, auf die sich die von uns eingesetzten KI-Werkzeuge stützen, oder deren Ergebnisse zu verwenden, können uns ebenfalls Haftungsrisiken entstehen — durch die Verletzung geltender Gesetze und Vorschriften, fremder Rechte an geistigem Eigentum, der Privatsphäre oder anderer Rechte oder Verträge, an denen wir beteiligt sind.
Filings Reviewed: 10-K 2026-02-27 · 10-Q 2026-05-07
Rated on July 10, 2026 · How the Rating Is Built
Growth Score
9 of 10 Growth gemTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 27.3% passed
- More than 10% revenue growth is expected for the coming year 12.8% passed
- Share count grows by less than 3% a year 7.4% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 48.4% passed
- Gross margin at 40% or higher and without meaningful erosion 58.2% passed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 479 m net cash passed
- Operating cash flow covers the profits of the last three years 8 m passed
- Return on capital at 15% or higher, or up versus two years ago 15.1% passed
- Insiders hold at least 10% or are net buyers 28.1% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 8.1% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 4
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 3.48 | 3.41 – 3.58 | 198 | 20.1% | 5 |
| 12/31/2027 | 3.73 | 3.60 – 3.86 | 229 | 7.2% | 5 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.84 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.63 | -0.20 | 59 | 23.50 | 22.50 | 18 | 18 |
| 2025: Q1 | 0.62 | 0.20 | 58 | 18.40 | 22.60 | 16 | 15 |
| 2025: Q2 | 0.68 | 33.20 | 62 | 23.30 | 23.40 | 18 | 18 |
| 2025: Q3 | 0.77 | 49.00 | 67 | 23.70 | 24.60 | 19 | 19 |
| 2025: Q4 | 0.83 | 32.10 | 68 | 14.80 | 26.00 | 21 | 20 |
| 2026: Q1 | 0.87 | 41.80 | 70 | 20.00 | 26.70 | 19 | 19 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 7 | 1 | 1 | 0.27 | 0 | 32 | 274 |
| 2017 | 7 | 1 | 1 | 0.45 | 4 | 31 | 314 |
| 2018 | 0 | 1 | 0 | 0.11 | 0 | 32 | 328 |
| 2019 | 70 | 30 | 29 | 15.80 | 29 | 109 | 1,480 |
| 2020 | 83 | 37 | 36 | 2.21 | 51 | 134 | 1,954 |
| 2021 | 88 | 47 | 42 | 2.83 | 29 | 235 | 2,557 |
| 2022 | 124 | 63 | 45 | 2.61 | 46 | 253 | 3,227 |
| 2023 | 8 | -2 | 48 | 2.78 | 39 | 286 | 3,593 |
| 2024 | 212 | 65 | 46 | 2.26 | 52 | 397 | 4,053 |
| 2025 | 255 | 84 | 62 | 2.90 | 73 | 446 | 4,755 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Five Star Bancorp ist die Bankholding der Five Star Bank, die Bankprodukte und -dienstleistungen für kleine und mittlere Unternehmen, Selbständige und Privatpersonen hauptsächlich in Nordkalifornien anbietet. Das Unternehmen bietet Einlagenprodukte, darunter Giro-, Spar-, Geldmark…
| CEO Insider Trades (12 Mo.) | selling own stock |
|---|---|
| Employees | 233 |
| Headquarters | Rancho Cordova, CA |
| Address | 3100 Zinfandel Drive, 95670 Rancho Cordova, United States |
| Phone | 916 626 5000 |
| Website | fivestarbank.com |
| IPO Date | 4. May 2021 |
| ISIN | US33830T1034 |
| Stock Split | 2521:2500 on 07/14/2016 |
Management
| Name | Title | Birth Year |
|---|---|---|
| James Eugene Beckwith | President, CEO & Director | 1958 |
| Michael Anthony Rizzo | Executive VP & Chief Banking Officer | 1967 |
| Don J. Kurtze | Executive VP & San Francisco Bay Area President | 1989 |
| Heather Christina Luck CPA | Executive VP & CFO | 1982 |
| Lydia Ann Ramirez-Medina | Executive VP & COO | 1982 |
| Brett Levi Wait | Senior VP & Chief Information Officer | 1982 |
| Shelley Ronan Wetton | Senior VP & Chief Marketing Officer | 1973 |
| Michael Eugene Lee | Senior VP & Chief Regulatory Officer | 1963 |
| John William Dalton | Senior VP & Chief Credit Officer | 1955 |
| Chris Rudberg | Senior VP & MD | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.