NASDAQ · Banks - Regional

FSBC (FSBC) Stock

$45.34 -1.05% NASDAQ: FSBC Financial Services

Valuation

MetricValue
Price$45.34
Market Cap$1.09B
P/E Ratio13.93
P/B Ratio1.94
P/S Ratio3.31
EPS (TTM)$2.90
52-Week High$49.87
52-Week Low$26.44
Dividend Yield2.19%

Financials & Margins

MetricValue
ROE13.90%
ROA1.30%
ROCE18.83%
Gross Margin32.55%
Operating Margin32.94%
Net Margin25.23%
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 Ratio—
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
BFST $30.68 -1.10% 9.92 $1.00B 2.10%
CCNE $33.42 -1.18% 12.10 $990.03M 2.37%
CFFN $8.55 -0.70% 14.96 $1.05B 4.90%
CPF $36.89 -0.89% 12.13 $962.87M 3.19%
EFSC $62.80 -0.68% 12.46 $2.27B 2.21%

About FSBC

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

FSBC stock trades at $45.34 with a market capitalization of $1.09B. The stock is valued at a price-to-earnings (P/E) ratio of 13.93, price-to-book of 1.94, price-to-sales of 3.31. Over the past 52 weeks the stock has ranged between $26.44 and $49.87, and currently trades 9.1% below its 52-week high. It pays a dividend yielding 2.19%.

On profitability, FSBC generates a return on equity (ROE) of 13.90%, above the typical market average, return on capital employed of 18.83%, an operating margin of 32.94%, a net profit margin of 25.23%.

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