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Upturn AI SWOT - About
FSBC 
Five Star Bancorp (FSBC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
12/01/2025: FSBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $40.4
1 Year Target Price $40.4
| 2 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 33.59% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 747.03M USD | Price to earnings Ratio 12.95 | 1Y Target Price 40.4 |
Price to earnings Ratio 12.95 | 1Y Target Price 40.4 | ||
Volume (30-day avg) 4 | Beta 0.5 | 52 Weeks Range 21.79 - 37.53 | Updated Date 12/2/2025 |
52 Weeks Range 21.79 - 37.53 | Updated Date 12/2/2025 | ||
Dividends yield (FY) 2.32% | Basic EPS (TTM) 2.7 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 40.36% | Operating Margin (TTM) 58.57% |
Management Effectiveness
Return on Assets (TTM) 1.34% | Return on Equity (TTM) 13.95% |
Valuation
Trailing PE 12.95 | Forward PE - | Enterprise Value 250891856 | Price to Sales(TTM) 5.26 |
Enterprise Value 250891856 | Price to Sales(TTM) 5.26 | ||
Enterprise Value to Revenue 5.52 | Enterprise Value to EBITDA - | Shares Outstanding 21367387 | Shares Floating 14734095 |
Shares Outstanding 21367387 | Shares Floating 14734095 | ||
Percent Insiders 28.16 | Percent Institutions 57.04 |
Upturn AI SWOT
Five Star Bancorp
Company Overview
History and Background
Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California. It operates as the bank holding company for Five Star Bank, providing community banking services. The bank has grown through organic expansion and strategic acquisitions within the California market.
Core Business Areas
- Commercial Banking: Offers a range of loan and deposit products to small and medium-sized businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Provides deposit accounts, personal loans, and other banking services to individual customers.
- Mortgage Lending: Provides residential mortgage loans.
Leadership and Structure
James Beckwith is the Chief Executive Officer. The organizational structure is typical of a community bank, with departments focused on lending, operations, finance, and customer service. The board of directors provides oversight and strategic direction.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not readily available at the product level. Competitors include other regional and national banks like Bank of America, Wells Fargo and local community banks.
- Commercial and Industrial (C&I) Loans: Loans for working capital, equipment, and other business needs. Market share data is not readily available at the product level. Competitors include other regional and national banks like Bank of America, Wells Fargo and local community banks.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share data is not readily available at the product level. Competitors include other regional and national banks like Bank of America, Wells Fargo and local community banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and competition from fintech companies. Community banks are facing pressure to innovate and adapt to changing customer preferences.
Positioning
Five Star Bancorp positions itself as a relationship-focused community bank, offering personalized service and local expertise. Its competitive advantage lies in its deep understanding of the California market and its ability to build strong relationships with customers.
Total Addressable Market (TAM)
The total addressable market for banking services in California is substantial, encompassing individuals, small businesses, and larger corporations. Five Star Bancorp focuses on capturing market share within its target segments through its relationship-based approach. The overall market size is several billion dollars. Five Star Bancorp is positioned to capture a portion of this market, and its TAM grows with new branches and targeted lending strategies.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Relationship-focused banking model
- Experienced management team
- Solid asset quality
- Strong organic growth
Weaknesses
- Limited geographic diversification
- Reliance on California economy
- Smaller size compared to larger banks
- Limited technology investment relative to larger competitors
Opportunities
- Expand into new markets within California
- Increase market share through targeted lending
- Develop new products and services to meet customer needs
- Leverage technology to improve efficiency
- Acquire smaller banks
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn in California
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- CVBF
- BANC
- FFWM
- OPB
Competitive Landscape
Five Star Bancorp faces competition from larger national and regional banks, as well as smaller community banks. Its advantage lies in its local market knowledge and its ability to build strong relationships with customers. However, it faces challenges from larger banks with greater resources and more extensive branch networks.
Major Acquisitions
First Bank
- Year: 2017
- Acquisition Price (USD millions): 10.2
- Strategic Rationale: Expansion into new market.
Growth Trajectory and Initiatives
Historical Growth: Five Star Bancorp has experienced steady growth in recent years, driven by organic expansion and strategic acquisitions. The bank has successfully expanded its footprint within California and increased its market share.
Future Projections: Future growth projections would be based on analyst estimates and company guidance. Provide analyst estimates here.
Recent Initiatives: Recent initiatives include expanding branch network, investing in technology to improve customer experience, and developing new lending products.
Summary
Five Star Bancorp is a solid community bank with a strong presence in California. Its relationship-focused approach and local market knowledge are key strengths. However, it faces challenges from larger banks and the need to invest in technology. The company should look for new market opportunities to expand its footprint and increase its total revenue
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Reports
- Third-party financial data providers
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share and financial figures are estimates based on available data and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.fivestarbank.com |
Full time employees 205 | Website https://www.fivestarbank.com | ||
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.
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