Five Star Bancorp FSBC Stock Analysis
- Nasdaq
- Stock
- Market closed · opens Monday 9:30 AM ET
$42.98 down $0.15, 0.35% at close Oct 16
Last close · Previous close $43.13
- Market cap
- At the Oct 16 close
- P/E ratio
- 12.72On last 12 months’ EPS
- Diluted EPS
- $3.38Last 12 months
- Dividend yield
- 2.79%Last 12 months
Price chart
$42.98down $0.15, 0.35%Fri, Oct 16 session
Use the left and right arrow keys to move along the chart.
Price data
Trading
- Previous close$43.13Oct 15
- Volume188.18KOct 16 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume196.13KLast 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $32.08 to $50.26; now $42.98
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
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Performance
Past performance, measured to the Oct 16 close. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
FSBC beat the S&P 500 in 4 of 6 periods.
| Period | FSBC and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | FSBC: down 4.7% S&P 500: up 1.5% | FSBC trailed the S&P 500 by 6.2 percentage points Trailed |
| 3M | FSBC: down 13.0% S&P 500: up 1.9% | FSBC trailed the S&P 500 by 14.9 percentage points Trailed |
| YTD | FSBC: up 23.0% S&P 500: up 12.8% | FSBC beat the S&P 500 by 10.2 percentage points Beat |
| 1Y | FSBC: up 40.5% S&P 500: up 16.8% | FSBC beat the S&P 500 by 23.7 percentage points Beat |
| Long term | ||
| 3Y | FSBC: up 140.3% S&P 500: up 81.5% +33.9% vs +22.0% a year | FSBC beat the S&P 500 by 58.8 percentage points Beat |
| 5Y | FSBC: up 96.5% S&P 500: up 83.1% +14.5% vs +12.9% a year | FSBC beat the S&P 500 by 13.4 percentage points Beat |
$10,000 invested in FSBC 5 years ago (Oct 15, 2021) would be worth about $19,655 at the close on , with dividends reinvested. The same amount in the S&P 500 would be worth about $18,305.
FSBC beat the S&P 500 in 4 of 6 periods.
| Period | FSBC and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | FSBC: down 4.7% S&P 500: up 1.2% | FSBC trailed the S&P 500 by 5.9 percentage points Trailed |
| 3M | FSBC: down 13.5% S&P 500: up 1.7% | FSBC trailed the S&P 500 by 15.2 percentage points Trailed |
| YTD | FSBC: up 20.1% S&P 500: up 11.9% | FSBC beat the S&P 500 by 8.2 percentage points Beat |
| 1Y | FSBC: up 36.4% S&P 500: up 15.5% | FSBC beat the S&P 500 by 20.9 percentage points Beat |
| Long term | ||
| 3Y | FSBC: up 119.3% S&P 500: up 75.0% +29.9% vs +20.5% a year | FSBC beat the S&P 500 by 44.3 percentage points Beat |
| 5Y | FSBC: up 71.3% S&P 500: up 71.2% +11.4% vs +11.4% a year | FSBC beat the S&P 500 by 0.1 percentage points Beat |
$10,000 invested in FSBC 5 years ago (Oct 15, 2021) would be worth about $17,130 at the close on , not counting dividends. The same amount in the S&P 500 would be worth about $17,118.
All-time high
$49.68
Closing high on . Now 13.5% below that record.
Split-adjusted daily closes since May 4, 2021.
Stock splits
FSBC hasn’t split since its price history begins in 2021.
Valuation
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q2 FY26, the quarter ended Jun 30, 2026. “Last 12 months” means the four quarters from Jul 1, 2025 to Jun 30, 2026, and balance-sheet figures are as of Jun 30, 2026.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $167.61Mup 26.8%
- Net income
- $72.01Mup 38.8%
- Diluted EPS
- $3.38up 38.0%
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q3 FY24 (Sep 30, 2024) | $29.02M | $10.94M | $0.52 |
| Q4 FY24 (Dec 31, 2024) | $33.86M | $13.32M | $0.63 |
| Q1 FY25 (Mar 31, 2025) | $33.44M | $13.11M | $0.62 |
| Q2 FY25 (Jun 30, 2025) | $35.83M | $14.51M | $0.68 |
| Q3 FY25 (Sep 30, 2025) | $38.81M | $16.34M | $0.77 |
| Q4 FY25 (Dec 31, 2025) | $40.67M | $17.64M | $0.83 |
| Q1 FY26 (Mar 31, 2026) | $42.43M | $18.62M | $0.87 |
| Q2 FY26 (Jun 30, 2026) | $45.71M | $19.40M | $0.91 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY21 (Dec 31, 2021) | $83.19M | $42.44M | $2.83 |
| FY22 (Dec 31, 2022) | $103.53M | $44.80M | $2.61 |
| FY23 (Dec 31, 2023) | $114.39M | $47.73M | $2.78 |
| FY24 (Dec 31, 2024) | $119.21M | $45.67M | $2.26 |
| FY25 (Dec 31, 2025) | $148.74M | $61.61M | $2.90 |
Margins
- Gross 100.0%
- Operating 57.5%
- Net 43.0%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- $80.49MLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flow$81.96MLast 12 months
- Capital spending$1.46MLast 12 months
- 48.0%Last 12 months
Free cash flow as a share of revenue, both over the last 12 months.
Shareholder returns
- $0.00Last 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paid$19.23MLast 12 months
- Total returned$19.23MLast 12 months
24% of free cash flow
Balance sheet
- Not reportedAs of Jun 30, 2026
Cash plus short- and long-term marketable securities on the Jun 30, 2026 balance sheet.
- Total debt$85.38MAs of Jun 30, 2026
- 0.18As of Jun 30, 2026
Total debt divided by shareholders’ equity on the Jun 30, 2026 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 15.9%Last 12 months
Over the last 12 months, Five Star Bancorp’s net income was 15.9% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - 1.5%Last 12 months
Over the last 12 months, Five Star Bancorp’s net income was 1.5% of its total assets (averaged over the last four quarter-ends): what the business earned on everything it owns.
ROA = Net income (last 12 months) ÷ Average total assets
Dividends
Cash dividends per share by ex-dividend year, adjusted for splits.
Dividends per share
Data table
| Year | Per share |
|---|---|
| 2016 | $0.000 |
| 2017 | $0.000 |
| 2018 | $0.000 |
| 2019 | $0.000 |
| 2020 | $0.000 |
| 2021 | $0.30 |
| 2022 | $0.60 |
| 2023 | $0.75 |
| 2024 | $0.80 |
| 2025 | $0.80 |
| 2026 (to date) | $1.00 |
Dividend details
- $1.20Per share, last 12 months
Cash dividends per share with ex-dividend dates in the last 12 months.
- Dividend yield2.79%Last 12 months
- $0.25Ex-dividend
The most recent payment per share. Shares bought on or after the ex-dividend date don’t receive it.
- FrequencyQuarterly4 payments in the last 12 months
- 35.5%Last 12 months
The share of earnings paid out as dividends over the last 12 months. Lower ratios leave more room to reinvest or raise the dividend.
Payout = Dividends per share ÷ Diluted EPS (both last 12 months)Payout ratio calculator
About Five Star Bancorp
Five Star is a bank holding company headquartered in Rancho Cordova, California. Five Star operates through its wholly owned banking subsidiary, Five Star Bank. The Bank has eight branches in Northern California.
- Sector
- Financial Services
- Industry
- Banks - Regional
- Headquarters
- California, USA
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- Nasdaq
- Asset type
- Common stock
- Price history since
FSBC news
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FSBC stock FAQ
What is FSBC stock’s price today?
Five Star Bancorp (FSBC) traded at $42.98 at the close on , down $0.15 (0.35%) from the previous close of $43.13. Over the past 52 weeks it has traded between $32.08 and $50.26.
If you invested $1,000 in FSBC 5 years ago, how much would you have now?
With dividends reinvested, $1,000 invested in FSBC on would be worth about $1,965 at the close on , a total return of +96.5%. The same $1,000 would be worth $1,405 if invested one year ago. Past performance doesn’t predict future returns.
What is FSBC’s P/E ratio?
FSBC trades at 12.7 times its diluted earnings over the four quarters to ($3.38 per share), at the close. (How the P/E ratio works.)
How much revenue does Five Star Bancorp make?
Five Star Bancorp reported $167.6 million of revenue over the four quarters to , up 26.8% from the twelve months before. In its latest quarter (Q2 FY26, ended ) revenue was $45.7 million, up 27.6% from a year earlier.
Is Five Star Bancorp profitable?
Yes. Five Star Bancorp earned $72.0 million of net income over the four quarters to , a net margin of 43.0%, and its operating margin was 57.5% (what margins tell you).
What are FSBC’s earnings per share?
FSBC’s diluted earnings per share were $3.38 over the four quarters to , compared with $2.45 in the twelve months before. The latest quarter (Q2 FY26) brought $0.91 per share, against $0.68 a year earlier (how EPS works).
Does FSBC pay a dividend?
Yes. Five Star Bancorp pays a quarterly dividend. The most recent was $0.25 per share, with an ex-dividend date of . Over the last twelve months it paid $1.20 per share, a 2.79% yield at the close (how dividend yield works).
Based on the last 12 months’ payments ($1.20 per share), and if the next 12 months match the last 12, 100 shares would receive about $120 over 12 months, and $1,000 over 12 months would take about 834 shares, roughly $35,845 at the close. Dividends can change.
What is FSBC’s 52-week high and low?
Over the past 52 weeks FSBC has traded as low as $32.08 and as high as $50.26. At $42.98 at the close on , it is 14.5% below that high and 34.0% above the low.
What is FSBC’s all-time high?
FSBC’s highest closing price was $49.68 on , adjusted for stock splits. At $42.98 at the close on , it is 13.5% below that record.
Has FSBC stock ever split?
No. FSBC hasn’t split since its price history begins in 2021.
How has FSBC stock performed?
Including dividends and measured to the close on , FSBC has returned +23.0% so far this year and +40.5% over the past year, and +96.5% over five years (+14.5% a year). Over the same periods the S&P 500, measured by SPY, returned +12.8%, +16.8% and +83.1%. Past performance doesn’t predict future returns.
What sector and industry is Five Star Bancorp in?
Five Star Bancorp is in the Financial Services sector and the Banks - Regional industry, and is headquartered in California, USA.
What exchange does FSBC trade on?
Five Star Bancorp trades on the Nasdaq under the ticker symbol FSBC. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
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