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FSBC
Upturn stock ratingUpturn stock rating

Five Star Bancorp (FSBC)

Upturn stock ratingUpturn stock rating
$31.38
Last Close (24-hour delay)
Profit since last BUY3.87%
upturn advisory
Consider higher Upturn Star rating
BUY since 30 days
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Upturn Advisory Summary

08/14/2025: FSBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

4 Analysts rated it

Very few follow this stock; limited insights, higher-risk early investing.

1 Year Target Price $35.25

1 Year Target Price $35.25

Analysts Price Target For last 52 week
$35.25 Target price
52w Low $21.91
Current$31.38
52w High $34.41

Analysis of Past Performance

Type Stock
Historic Profit 41.43%
Avg. Invested days 50
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 670.53M USD
Price to earnings Ratio 12.86
1Y Target Price 35.25
Price to earnings Ratio 12.86
1Y Target Price 35.25
Volume (30-day avg) 4
Beta 0.5
52 Weeks Range 21.91 - 34.41
Updated Date 08/15/2025
52 Weeks Range 21.91 - 34.41
Updated Date 08/15/2025
Dividends yield (FY) 2.54%
Basic EPS (TTM) 2.44

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date 2025-07-23
When After Market
Estimate 0.64
Actual 0.68

Profitability

Profit Margin 39.26%
Operating Margin (TTM) 57.42%

Management Effectiveness

Return on Assets (TTM) 1.29%
Return on Equity (TTM) 13.02%

Valuation

Trailing PE 12.86
Forward PE -
Enterprise Value 267582496
Price to Sales(TTM) 5.07
Enterprise Value 267582496
Price to Sales(TTM) 5.07
Enterprise Value to Revenue 5.4
Enterprise Value to EBITDA -
Shares Outstanding 21368100
Shares Floating 14733273
Shares Outstanding 21368100
Shares Floating 14733273
Percent Insiders 28.15
Percent Institutions 56.47

ai summary icon Upturn AI SWOT

Five Star Bancorp

stock logo

Company Overview

overview logo History and Background

Five Star Bancorp was founded in 1999. The company operates through its subsidiary, Five Star Bank, providing community banking services in Northern California.

business area logo Core Business Areas

  • Commercial Banking: Offers a range of lending and deposit products to small and medium-sized businesses, including commercial real estate loans, business lines of credit, and term loans.
  • Retail Banking: Provides deposit accounts, mortgages, and other consumer banking services to individuals and families.
  • Wealth Management: Offers investment management and financial planning services to individuals and businesses.

leadership logo Leadership and Structure

James Beckwith serves as the President and Chief Executive Officer. The company has a board of directors overseeing its strategic direction.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Loans secured by commercial properties, a significant portion of their lending portfolio. Market share data is not publicly available at this granular level. Competitors include other regional banks and credit unions.
  • Business Lines of Credit: Revolving credit facilities for businesses. Market share data is not publicly available at this granular level. Competitors include national and regional banks.
  • Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share data is not publicly available at this granular level. Competitors include all banks and credit unions in their service area.

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently experiencing increased competition, regulatory scrutiny, and technological disruption. Interest rate fluctuations significantly impact profitability.

Positioning

Five Star Bancorp focuses on serving the Northern California market, emphasizing relationship banking and local decision-making. Competitive advantages include strong customer service and local expertise.

Total Addressable Market (TAM)

The total addressable market for community banking in Northern California is estimated to be in the billions of dollars. Five Star Bancorp is positioned to capture a share of this market through its local focus and customer relationships.

Upturn SWOT Analysis

Strengths

  • Strong local market presence
  • Experienced management team
  • High-quality customer service
  • Solid asset quality

Weaknesses

  • Limited geographic diversification
  • Smaller scale compared to larger banks
  • Reliance on commercial real estate lending
  • Higher cost to income ratio relative to peers

Opportunities

  • Expansion into new markets within Northern California
  • Increased adoption of digital banking solutions
  • Growing demand for specialized financial services
  • Organic growth opportunities in existing markets

Threats

  • Increased competition from larger banks and fintech companies
  • Economic downturn impacting loan demand and asset quality
  • Rising interest rates increasing funding costs
  • Regulatory changes increasing compliance costs

Competitors and Market Share

competitor logo Key Competitors

  • PACW
  • BOKF
  • CMA

Competitive Landscape

Five Star Bancorp differentiates itself through local market expertise and customer service. Disadvantages relative to larger banks include limited resources and brand recognition.

Growth Trajectory and Initiatives

Historical Growth: Historical growth is tied to loan growth, deposit growth, and net interest margin. Trends over past years depend on specific periods.

Future Projections: Future projections depends on analysts estimates

Recent Initiatives: Recent strategic initiatives include expanding digital banking services and growing the wealth management business.

Summary

Five Star Bancorp is a regional bank with a strong presence in Northern California, known for its customer service and local expertise. Its key strengths are within relationship banking. The company needs to consider a more efficient cost structure. Increased competition and economic uncertainty are key external factors they should be watching out for.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Analyst reports
  • Industry publications

Disclaimers:

The information provided is for informational purposes only and should not be considered investment advice. Market data is as of the latest available date. Financial data is illustrative and does not represent actual values for any specific period.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About Five Star Bancorp

Exchange NASDAQ
Headquaters Rancho Cordova, CA, United States
IPO Launch date 2021-05-04
President, CEO & Director Mr. James Eugene Beckwith
Sector Financial Services
Industry Banks - Regional
Full time employees 205
Full time employees 205

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. The company was founded in 1999 and is headquartered in Rancho Cordova, California.