Is Five Star Bancorp (FSBC) Overvalued?
We dive into why Five Star Bancorp (FSBC) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Michael Rose
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COMPANY SUMMARY
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. In addition, the company offers loan products, such as commercial real estate loans; commercial land and construction loans; residential real estate and construction loans; farmland loans; the U.S. small business administration loans; and consumer and other loans, as well as operating lines of credit. Further, its investment portfolio consists of U.S. government agency securities, mortgage-backed securities, and obligations of states and political subdivisions. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
Commentary & Analysis
What You Need to Know About Five Star Bancorp's Q3 Earnings
Five Star Bancorp's fiscal Q3 earnings report was released on Wednesday, July 22. Let's dive in to see if (FSBC) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About Five Star Bancorp's Q2 Earnings
Five Star Bancorp's fiscal Q2 earnings report was released on Monday, April 27. Let's dive in to see if (FSBC) missed or beat analyst's expectations.Rosalio Madrigal
What You Need to Know About Five Star Bancorp's Q1 Earnings
Five Star Bancorp's fiscal Q1 earnings report was released on Monday, January 26. Let's dive in to see if (FSBC) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About Five Star Bancorp's Q4 Earnings
Five Star Bancorp's fiscal Q4 earnings report was released on Monday, October 27. Let's dive in to see if (FSBC) missed or beat analyst's expectations.Omar Beirat
Financial Summary
| Share Statistics | FSBC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,112.5 | $730.8 | 46% |
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| Shares Out (Mil) | 21.3 | 15.2 | 31% |
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| Institutional Ownership | 70.7% | 83.5% | 43% |
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| Float (Mil) | 18.0 | 21.7 | 27% |
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| Beta | 0.52 | 0.45 | 30% |
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| Avg Daily Volume (000s) | 177 | 45 | 44% |
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| Price Change (52-week) |
38.4% | 93.1% | 76% |
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| Growth | FSBC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 17.8% | 7.7% | 78% |
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| Net Income (5yr) | 11.4% | 11.1% | 57% |
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| EPS (5yr) | (4.1%) | 10.1% | 26 |
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| Dividends (5yr) | (20.2%) | 3.7% | 78% |
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| Cash Flow (5yr) | (8.3%) | (17.2%) | 59% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 5 | 5 | 5 | |
| Current EPS | $0.856 | $3.496 | $3.746 | |
| Month Ago EPS | $0.856 | $3.484 | $3.734 | |
| # Rev Up | 1 | 0 | 1 | |
| # Rev Down | 0 | 2 | 0 | |
| Three Months Ago EPS | $0.906 | $3.558 | $3.954 | |
| Year/Year Chg | (5.9%) | 20.6% | 51.7% | |
| Financials | FSBC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $168 | $195 | 30% |
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| Net Income (TTM) (Mil) | $72 | $55 | 58% |
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| EPS (TTM) | $3.389 | $2.500 | 80% |
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| Operating Cash Flow (TTM) (Mil) | $82 | $33 | 50% |
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| Net Cash Flow (TTM) (Mil) | $201 | $2 | 84% |
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| Long-Term Debt (Q1) (Mil) | $85 | $99 | 43% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | FSBC | Industry Median |
Percentile (All Stocks) |
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| P/B | 2.05 | 1.23 | 51% |
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| P/E | 13.4 | 12.3 | 32% |
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| Dividend Yield | 2.2% | 2.2% | 78% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | FSBC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 43.0% | 29.2% | 95% |
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| ROA | 1.5% | 1.1% | 52% |
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| ROE | 16.2% | 11.3% | 73% |
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| Liabilities to Assets | 91.2% | 89.7% | 88% |
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| F-Score | 5 | 4 | 50% |
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Five Star Bancorp did not pass any screens on 9/1/2026.
