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Five Star Bancorp (FSBC)



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Upturn Advisory Summary
08/14/2025: FSBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
1 Year Target Price $35.25
1 Year Target Price $35.25
2 | Strong Buy |
1 | Buy |
1 | Hold |
0 | Sell |
0 | Strong Sell |
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 Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
Five Star Bancorp
Company Overview
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.
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 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
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
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
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.
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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