NASDAQ · Banks - Regional

Five Star Bancorp (FSBC) Stock

$44.09 -0.16% NASDAQ: FSBC Financial Services

Valuation

MetricValue
Price$44.09
Market Cap$1.08B
P/E Ratio12.88
P/B Ratio1.96
P/S Ratio3.78
EPS (TTM)$2.90
52-Week High$50.26
52-Week Low$30.68
Dividend Yield2.29%

Financials & Margins

MetricValue
ROE15.92%
ROA1.34%
ROCE16.68%
Gross Margin32.55%
Operating Margin32.94%
Net Margin25.88%
Debt/Equity0.19
Current Ratio0.14

Annual Financials (USD)

Metric20212022202320242025
Revenue$88.0M$124.0M$181.0M$212.0M$255.0M
Operating Profit$47.0M$63.0M$67.0M$65.0M$84.0M
Net Profit$42.0M$45.0M$48.0M$46.0M$62.0M
EPS$2.83$2.61$2.78$2.26$2.90
Op Margin53.7%50.8%36.9%30.5%32.8%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.6B$3.2B$3.6B$4.1B$4.8B
Total Liabilities$2.3B$3.0B$3.3B$3.7B$4.3B
Cash$440.0M$270.0M$327.0M$356.0M$507.0M
Borrowings$28.0M$178.0M$249.0M$81.0M$86.0M

Latest News

Five Star Bank adds four key hires in Palo Alto to support  San Francisco Bay Area expansion GlobeNewswire · Jul 15, 2026 Five Star Bancorp Announces Second Quarter 2026 Earnings Release Date and Webcast GlobeNewswire · Jul 9, 2026 Five Star Bancorp to Open Full-Service Branch in California MT Newswires · Jun 24, 2026 Five Star Bancorp (FSBC) Stock Draws Fresh Price Target Split As Analysts Rework Assumptions Simply Wall St. · Jun 23, 2026 Five Star Bancorp to open full-service branch in Lodi to serve Central Valley entrepreneurs and agribusinesses GlobeNewswire · Jun 23, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$29.0M$46.0M$39.0M$52.0M$73.0M
Investing Cash Flow$-456.0M$-837.0M$-280.0M$-447.0M$-545.0M
Financing Cash Flow$502.0M$496.0M$245.0M$531.0M$643.0M
Net Cash Flow$135.0M$-165.0M$62.0M$31.0M$155.0M
Free Cash Flow$28.0M$45.0M$38.0M$51.0M$71.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.34
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y59.58%
Return 3Y117.29%
Return 5Y120.32%

Ownership

Insiders Held28.11%
Institutions Held59.40%
Institutions Float Held82.62%
Institutional HolderSharesReport Date
T. Rowe Price Investment Management, Inc.2,023,4902026-03-31
Davis Asset Management, L.P.1,511,5002026-03-31
Blackrock Inc.1,191,3352026-03-31
Vanguard Capital Management LLC661,3272026-03-31
Adage Capital Partners GP L.L.C.508,3272026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BCALCalifornia BanCorp $22.04 -0.14% 11.71 $708.60M 2.20%
BMRCBank of Marin Bancorp $27.11 -0.84% 6.81 $439.02M 3.61%
CCBCoastal Financial Corporation $45.22 +0.71% -160.68 $691.25M 0.00%
CWBCCommunity West Bancshares $25.96 -1.26% 14.27 $546.57M 1.81%
HAFCHanmi Financial Corporation $32.15 -0.28% 10.59 $953.22M 3.54%

About Five Star Bancorp

Five Star Bancorp is led by CEO James Eugene Beckwith, employs 205 people, headquartered in US, publicly traded since 2021.

Five Star Bancorp (FSBC) stock trades at $44.09 with a market capitalization of $1.08B. The stock is valued at a price-to-earnings (P/E) ratio of 12.88, price-to-book of 1.96, price-to-sales of 3.78. Over the past 52 weeks the stock has ranged between $30.68 and $50.26, and currently trades 12.3% below its 52-week high. It pays a dividend yielding 2.29%.

On profitability, Five Star Bancorp generates a return on equity (ROE) of 15.92%, above the typical market range of roughly 12-15%, return on capital employed of 16.68%, an operating margin of 32.94%, a net profit margin of 25.88%.

Five Star Bancorp by the numbers, 2016–2025

Between 2016 and 2025 Five Star Bancorp reported revenue of $7.0M rising to $255.0M, a change of +3542.9% across 10 years. Compounded, revenue has grown 25.2% a year over five years, 27.2% over three, 20.3% over the last twelve months. Net profit rose to $62.0M.

Operating margin went from 9.4% in 2016 to 32.8% in 2025, a gain of 23.4 percentage points. The most recent net margin is 25.88%. On a trailing twelve-month basis to Jun '26, revenue is $278.0M and net profit $72.0M.

Borrowings rose from $57.0M to $86.0M, cash from operations was $73.0M in the latest year, positive in 8 of the last 10.

Return on equity has averaged 15.6% over five years, and was 13.9% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Five Star Bancorp (FSBC) — frequently asked questions

What is Five Star Bancorp (FSBC) stock price today?

Five Star Bancorp (FSBC) is currently trading at $44.09, down 0.16% today.

What is FSBC P/E ratio?

Five Star Bancorp's P/E ratio is 12.88. This is below the typical market average of roughly 18-22x. A low P/E can reflect a lower valuation, slower expected growth, or both.

What is FSBC return on equity (ROE)?

Five Star Bancorp's return on equity (ROE) is 15.92%. ROE measures net income relative to shareholders' equity. This is above the typical market range of roughly 12-15%.

What is Five Star Bancorp's market cap?

Five Star Bancorp has a market capitalization of $1.08B.

Does FSBC pay a dividend?

Yes. Five Star Bancorp currently yields 2.29%. Yield moves with the share price, so it changes daily even when the payment does not.

How much debt does FSBC carry?

Five Star Bancorp has a debt-to-equity ratio of 0.19. That compares total borrowings with shareholders' equity: a figure under 1 means equity exceeds debt.

What is FSBC's profit margin?

Five Star Bancorp reports a net profit margin of 25.88% — the share of revenue left after every cost, including tax and interest.

What sector is FSBC in?

Five Star Bancorp is classified under Financial Services, in the Banks - Regional industry. Ratios are most informative compared with other companies in the same industry rather than across the whole market.

Which exchange is FSBC listed on?

Five Star Bancorp trades on NASDAQ under the ticker FSBC.

What is FSBC's 52-week range?

Over the last year Five Star Bancorp has traded between $30.68 and $50.26.

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Screens FSBC currently matches

On the figures above, Five Star Bancorp passes the filters for 16 of our ready-made screens, among them Undervalued Stocks, Dividend Stocks, Low Debt Stocks. Appearing on a screen means the numbers meet its filters today and nothing more; the list is rebuilt whenever the data changes.

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