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FSBC 
Five Star Bancorp (FSBC)
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Upturn Advisory Summary
12/23/2025: FSBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $40.8
1 Year Target Price $40.8
| 2 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 34.14% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/23/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 790.62M USD | Price to earnings Ratio 13.7 | 1Y Target Price 40.8 |
Price to earnings Ratio 13.7 | 1Y Target Price 40.8 | ||
Volume (30-day avg) 4 | Beta 0.51 | 52 Weeks Range 21.79 - 38.86 | Updated Date 12/23/2025 |
52 Weeks Range 21.79 - 38.86 | Updated Date 12/23/2025 | ||
Dividends yield (FY) 2.16% | 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 13.7 | Forward PE - | Enterprise Value 294481312 | Price to Sales(TTM) 5.57 |
Enterprise Value 294481312 | Price to Sales(TTM) 5.57 | ||
Enterprise Value to Revenue 5.88 | Enterprise Value to EBITDA - | Shares Outstanding 21367387 | Shares Floating 14734736 |
Shares Outstanding 21367387 | Shares Floating 14734736 | ||
Percent Insiders 28.16 | Percent Institutions 57 |
Upturn AI SWOT
Five Star Bancorp
Company Overview
History and Background
Five Star Bancorp (FSBC) was founded in 1977 as an independent community bank. It has grown organically and through strategic acquisitions, focusing on providing personalized banking services to businesses and individuals in its core markets. A significant milestone was its conversion to a bank holding company in preparation for its initial public offering (IPO) in March 2021.
Core Business Areas
- Community Banking: Offers a full suite of deposit and loan products, including checking and savings accounts, money market accounts, certificates of deposit, commercial and industrial loans, commercial real estate loans, residential real estate loans, and consumer loans. Focuses on building strong customer relationships and providing tailored financial solutions.
- Wealth Management: Provides investment advisory services, financial planning, and trust services to individuals and businesses. This segment aims to complement the core banking services by offering comprehensive financial solutions.
Leadership and Structure
Five Star Bancorp operates as a bank holding company. The leadership team includes experienced banking professionals with expertise in finance, operations, and strategic growth. The organizational structure is designed to support its community banking model, with a focus on local market responsiveness and customer service.
Top Products and Market Share
Key Offerings
- Commercial Lending: Offers a range of commercial loans, including lines of credit, term loans, and real estate financing. While specific market share data for individual loan products is not publicly disclosed, this is a core revenue driver. Competitors include national banks, regional banks, and other community banks.
- Deposit Accounts: Provides various deposit products such as checking accounts, savings accounts, money market accounts, and certificates of deposit. This is crucial for funding its lending activities. Competitors are numerous, ranging from large national institutions to smaller credit unions.
- Residential Real Estate Loans: Offers mortgages for primary residences and investment properties. This segment serves individual homeowners and real estate investors. Competitors include large mortgage lenders and other regional and community banks.
Market Dynamics
Industry Overview
The US banking industry is highly competitive and influenced by economic conditions, interest rate environments, regulatory changes, and technological advancements. Community banks like Five Star Bancorp often differentiate themselves through personalized service, local market knowledge, and strong customer relationships, while facing competition from larger national institutions and fintech companies.
Positioning
Five Star Bancorp is positioned as a community-focused bank emphasizing personalized service and local expertise. Its competitive advantages lie in its deep understanding of its operating markets, strong customer relationships, and a flexible, relationship-driven approach to lending and financial services. It aims to be the preferred banking partner for businesses and individuals in its service areas.
Total Addressable Market (TAM)
The TAM for community banking is vast, encompassing all businesses and individuals requiring banking and financial services. While specific TAM figures are difficult to pinpoint for a single community bank, the overall US banking market is valued in trillions of dollars. Five Star Bancorp targets a specific, albeit significant, segment of this market within its geographic footprints, aiming for deep penetration within these chosen areas rather than broad national reach.
Upturn SWOT Analysis
Strengths
- Strong community focus and deep local market knowledge.
- Personalized customer service and relationship-based banking model.
- Experienced management team with a proven track record.
- Solid capital position and regulatory compliance.
- Successful track record of organic growth and strategic integration of acquisitions.
Weaknesses
- Limited geographic diversification compared to larger banks.
- Reliance on interest rate differentials for profitability.
- Potential challenges in competing with the technological offerings of larger institutions.
- Smaller scale can limit economies of scale.
Opportunities
- Expansion into adjacent geographic markets through organic growth or acquisitions.
- Leveraging technology to enhance digital banking offerings and customer experience.
- Cross-selling additional products and services to existing customers.
- Capitalizing on changing consumer preferences for more personalized banking.
- Potential for growth in specialty lending niches.
Threats
- Intensifying competition from larger banks, fintech companies, and credit unions.
- Changes in interest rates that could impact net interest margins.
- Economic downturns that could lead to increased loan losses.
- Evolving regulatory landscape and compliance costs.
- Cybersecurity threats and data breaches.
Competitors and Market Share
Key Competitors
- U.S. Bancorp (USB)
- Wells Fargo & Company (WFC)
- JPMorgan Chase & Co. (JPM)
- Bank of America Corporation (BAC)
- PNC Financial Services Group, Inc. (PNC)
Competitive Landscape
Five Star Bancorp operates in a fragmented market where it competes with a wide range of financial institutions. Its primary competitive advantages lie in its agility, personalized service, and deep understanding of local markets, which larger competitors may struggle to replicate. However, it faces disadvantages in terms of scale, brand recognition, and the ability to invest as heavily in technology and marketing as its larger rivals. Its strategy is to focus on specific niches and customer segments where its community banking model excels.
Growth Trajectory and Initiatives
Historical Growth: Five Star Bancorp has a history of steady growth, driven by both organic expansion and strategic acquisitions. Its focus on community banking has allowed it to build a loyal customer base and expand its loan and deposit portfolios over time.
Future Projections: Future growth is likely to be influenced by its ability to expand its market reach, enhance its digital capabilities, and manage interest rate fluctuations. Analyst projections would typically focus on earnings per share (EPS) growth, revenue expansion, and asset growth. These projections are subject to market conditions and company execution.
Recent Initiatives: Recent initiatives might include the expansion of its digital banking platform, new product launches aimed at specific customer segments, or targeted marketing campaigns to attract new depositors and borrowers. Strategic partnerships or smaller acquisitions to enter new service areas could also be part of its growth strategy.
Summary
Five Star Bancorp is a well-established community bank with a strong focus on personalized customer service and local market expertise. Its core strengths lie in its relationship-driven model and experienced management. While it faces competition from larger institutions and the dynamic banking landscape, its strategic positioning in targeted markets and recent initiatives to enhance digital offerings provide a solid foundation for continued growth. Key areas to monitor are its ability to maintain profitability amidst interest rate fluctuations and its ongoing efforts to scale its operations effectively.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Filings (e.g., 10-K, 10-Q)
- Financial Data Providers (e.g., Yahoo Finance, Bloomberg, Refinitiv)
- Industry Analysis Reports
Disclaimers:
This JSON output is generated for informational purposes only and should not be construed as investment advice. Financial data and market share information are subject to change and may not be exhaustive. Readers are encouraged to conduct their own due diligence and consult with a qualified financial advisor before making any investment decisions.
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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