Five Star Bancorp

Five Star Bancorp

FSBC
Five Star BancorpUS flagNASDAQ Global Select
44.76
USD
+0.24
- -
956.80MMarket Cap
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.57
4.54
5.6
6.36
6.83
6.2
7.4
7.86
Basic EPS, GAAP
1.8
2.21
2.83
2.62
2.78
2.27
2.9
3.16
Free Cash Flow per Basic Share
1.75
3.11
1.87
2.66
2.23
2.54
3.36
3.52
Dividend per Share
1.62
1.62
3.47
0.89
0.75
0.81
0.8
0.86
Book Value per Share
6.7
8.14
15.74
15.55
17.33
20.29
21.44
22.07
Tangible Book Value per Share
6.69
8.22
15.7
14.76
16.65
19.68
21.01
21.59
Basic Weighted Avg Shares
16
16
15
17
17
20
21
21
Sales/Revenue/Turnover
58
74
84
109
117
125
157
167
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
1
2
2
2
2
2
Net Income, GAAP
29
36
42
45
48
46
62
67
Effective Tax Rate (%)
3.49
3.56
9.98
28.73
28.34
29.43
26.42
25.73
Profit Margin (%)
50.52
48.7
50.62
41.12
40.73
36.55
39.24
40.22
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
53
28
28
178
249
81
86
86
Total Equity
109
134
235
253
286
397
446
459
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
29.77
23.06
17.85
16.93
12.93
14.26
15.14

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
74
74
74
LT Finance Leases
10
12
12
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
21
21
21
Market Capitalization
683
759
801

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
640
565
647
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
- -
- -
- -
- -

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
- -
- -
- -
- -

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
- -
- -
- -
- -

Company Description

MCPAPIChat
CEO
James Eugene Beckwith
Full Time Employees
205
Sector
Financial Services
Industry
Banks - Regional
Address
3100 Zinfandel Drive Rancho Cordova CA United States of America 95670
IPO Date
May 4, 2021
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

MCPAPIChat
  • 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

  • Is the Options Market Predicting a Spike in Five Star Bancorp Stock?

  • Five Star Bancorp (FSBC) Upgraded to Buy: What Does It Mean for the Stock?

  • Five Star Bancorp (FSBC) Q1 2026 Earnings Call Transcript

  • Five Star Bancorp (FSBC) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates

  • Five Star Bancorp (FSBC) Q1 Earnings and Revenues Beat Estimates

  • Five Star Bancorp Announces First Quarter 2026 Results

  • Five Star Bancorp (NASDAQ:FSBC) Receives $40.00 Consensus Target Price from Analysts

  • Five Star Bancorp Declares First Quarter Cash Dividend

  • Five Star Bank expands to Southern California, adds five key hires to support strategic growth

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

  • Deprince Race & Zollo Inc. Grows Stock Holdings in Five Star Bancorp $FSBC

  • Five Star Bank announces commitment to a $10 million Low Income Housing Tax Credit Investment in the Marvel in the Mission, providing 136-units of permanent supportive housing to San Francisco residents

  • California First Leasing (OTCMKTS:CFNB) vs. Five Star Bancorp (NASDAQ:FSBC) Financial Survey

  • Five Star Bancorp Q4 Earnings Call Highlights

  • Five Star Bancorp (FSBC) Q4 2025 Earnings Call Transcript

  • Compared to Estimates, Five Star Bancorp (FSBC) Q4 Earnings: A Look at Key Metrics

  • Five Star Bancorp (FSBC) Surpasses Q4 Earnings and Revenue Estimates