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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

Five Star Bancorp (FSBC)

Financial Services Banks - Regional
49.00 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
1.0Mrd. $
Shares Outstanding
21Mio.
Float
69.7%
Beta
0.5

Performance

Perf. 1M
14.10%
Perf. 3M
30.60%
Perf. 6M
33.00%
YTD Performance (%)
32.40%
52-Week-High Distance
-1.1%

Valuation

P/E
15.1
Forward P/E
0.0
PEG
P/B
2.2
P/S
3.8
EV/EBITDA
0.0
Price/FCF
13.4

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
42.6%
Return on Equity
15.5%
Return on Assets
1.5%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
0.2
Altman Z
-1.40
Piotroski
7 von 9

Growth

Sales Growth Last Quarter
26.90%
EPS Growth Last Quarter
40.70%
Sales Growth (Year)
20.39%
Forward Sales Growth
12.80%
Forward EPS Growth
11.20%

Dividend

Dividend Yield
2.06%
Dividend Per Share (TTM)
0.90$
Payout Ratio
28.6%
Years Without a Cut
4Years
Increase Streak
0Years

Quality & Screener

Stage
2
RS Rating
81
EPS Rating
75
Piotroski
7 von 9
Fundamental Rating
B (+39 von 100)
Altman Z
-1.40

AI Rating

Uses AI

Bestätigt 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.

10-K · 2026-02-27 · View SEC filing
„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.

10-K · 2026-02-27 · View SEC filing

Filings Reviewed: 10-K 2026-02-27 · 10-Q 2026-05-07

Rated on July 10, 2026 · How the Rating Is Built

Sales Per Quarter ($M)
2024: Q4 · 59.1 Mio. $ Q4 2025: Q1 · 58.1 Mio. $ Q1 2025: Q2 · 62.0 Mio. $ Q2 2025: Q3 · 66.5 Mio. $ Q3 2025: Q4 · 67.8 Mio. $ Q4 2026: Q1 · 69.7 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 0.63 $ Q4 2025: Q1 · 0.62 $ Q1 2025: Q2 · 0.68 $ Q2 2025: Q3 · 0.77 $ Q3 2025: Q4 · 0.83 $ Q4 2026: Q1 · 0.87 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 22.5 % Q4 2025: Q1 · 22.6 % Q1 2025: Q2 · 23.4 % Q2 2025: Q3 · 24.6 % Q3 2025: Q4 · 26.0 % Q4 2026: Q1 · 26.7 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 18.0 Mio. $ Q4 2025: Q1 · 15.5 Mio. $ Q1 2025: Q2 · 17.8 Mio. $ Q2 2025: Q3 · 18.8 Mio. $ Q3 2025: Q4 · 20.6 Mio. $ Q4 2026: Q1 · 18.9 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 17.9 Mio. $ Q4 2025: Q1 · 15.4 Mio. $ Q1 2025: Q2 · 17.5 Mio. $ Q2 2025: Q3 · 18.6 Mio. $ Q3 2025: Q4 · 19.9 Mio. $ Q4 2026: Q1 · 18.8 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 23.5 % Q4 2025: Q1 · 18.4 % Q1 2025: Q2 · 23.3 % Q2 2025: Q3 · 23.7 % Q3 2025: Q4 · 14.8 % Q4 2026: Q1 · 20.0 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · -0.2 % Q4 2025: Q1 · 0.2 % Q1 2025: Q2 · 33.2 % Q2 2025: Q3 · 49.0 % Q3 2025: Q4 · 32.1 % Q4 2026: Q1 · 41.8 % Q1
Price Change in Quarter (%)
2024: Q4 · 1.9 % Q4 2025: Q1 · -7.0 % Q1 2025: Q2 · 3.4 % Q2 2025: Q3 · 13.6 % Q3 2025: Q4 · 11.7 % Q4 2026: Q1 · 6.1 % Q1

Quarterly Figures

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
What Do These Terms Mean?
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.

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
Employees233
HeadquartersRancho Cordova, CA
Websitefivestarbank.com
IPO Date4. May 2021
Next Earnings22. Jul 2026

Management

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 20, 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.

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