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Upturn AI SWOT - About
FSBC 
Five Star Bancorp (FSBC)
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Upturn Advisory Summary
09/15/2025: 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 $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 48.1% | Avg. Invested days 53 | 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 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 701.30M USD | Price to earnings Ratio 13.45 | 1Y Target Price 35.25 |
Price to earnings Ratio 13.45 | 1Y Target Price 35.25 | ||
Volume (30-day avg) 4 | Beta 0.5 | 52 Weeks Range 21.91 - 34.41 | Updated Date 09/15/2025 |
52 Weeks Range 21.91 - 34.41 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 2.43% | Basic EPS (TTM) 2.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 13.45 | Forward PE - | Enterprise Value 298352512 | Price to Sales(TTM) 5.31 |
Enterprise Value 298352512 | Price to Sales(TTM) 5.31 | ||
Enterprise Value to Revenue 5.62 | Enterprise Value to EBITDA - | Shares Outstanding 21368100 | Shares Floating 14734127 |
Shares Outstanding 21368100 | Shares Floating 14734127 | ||
Percent Insiders 28.15 | Percent Institutions 57.03 |
Upturn AI SWOT
Five Star Bancorp
Company Overview
History and Background
Five Star Bancorp was established in 1999 and is headquartered in Rancho Cordova, California. It focuses on providing community banking services in Northern California.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including commercial real estate loans, equipment loans, and working capital lines of credit.
- Retail Banking: Provides deposit accounts, including checking, savings, and money market accounts, as well as residential mortgage loans and other consumer loans.
- Wealth Management: Offers wealth management and trust services to individuals and businesses.
Leadership and Structure
James Beckwith serves as the Chief Executive Officer. The company operates with a traditional hierarchical structure with distinct departments focusing on different banking areas.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for commercial properties. Market share data is not readily available. Competitors include larger regional and national banks, such as Bank of America (BAC), Wells Fargo (WFC), and smaller community banks.
- Small Business Loans (SBA): Provides loans to small businesses guaranteed by the Small Business Administration. Market share data is not readily available. Competitors include regional banks like Umpqua Holdings (UMPQ) and other SBA lenders.
- Deposit Accounts: Offers checking, savings, and money market accounts. Market share data is not readily available. Competitors include national banks, credit unions, and online banks.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing regulation, low interest rate environment impacting net interest margins, competition from fintech companies, and consolidation through mergers and acquisitions.
Positioning
Five Star Bancorp is positioned as a community bank focused on serving small to medium-sized businesses and individuals in Northern California. Its competitive advantages include strong local relationships and personalized customer service.
Total Addressable Market (TAM)
The total addressable market for banking services in Northern California is estimated to be in the billions of dollars. Five Star Bancorp is positioned to capture a portion of this TAM through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence and brand recognition
- Experienced management team
- Focus on relationship banking
- Strong asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Reliance on net interest income
- Higher cost structure than larger institutions
Opportunities
- Expanding into new markets within Northern California
- Increasing fee income through wealth management services
- Leveraging technology to improve efficiency and customer experience
- Acquiring smaller banks or branches
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates impacting loan demand
- Economic downturn affecting loan quality
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- BAC
- WFC
- UMPQ
Competitive Landscape
Five Star Bancorp has the advantage of local relationships but is disadvantaged by its smaller size compared to larger national and regional banks.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends data is not provided. Please consult publically available investor relations material or SEC filings.
Future Projections: Future projections by ananlysts are not provided. Please consult publically available investor relations material or SEC filings.
Recent Initiatives: Recent initiatives are not provided. Please consult publically available investor relations material or SEC filings.
Summary
Five Star Bancorp is a community bank with a strong local presence in Northern California. Its focus on relationship banking is a key strength, but its smaller size and limited geographic diversification pose challenges. Opportunities exist to expand its services and geographic reach, but it faces increasing competition and regulatory pressures.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Analysis Reports
Disclaimers:
The data provided is based on available information and may not be entirely accurate. Market share data is estimated. Financial figures and projections are subject to change. This is not financial advice.
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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