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Upturn AI SWOT - About
FSBC 
Five Star Bancorp (FSBC)
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Upturn Advisory Summary
11/10/2025: 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 $40.4
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 38.74% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 735.25M USD | Price to earnings Ratio 12.74 | 1Y Target Price 40.4 |
Price to earnings Ratio 12.74 | 1Y Target Price 40.4 | ||
Volume (30-day avg) 4 | Beta 0.5 | 52 Weeks Range 21.79 - 37.53 | Updated Date 11/10/2025 |
52 Weeks Range 21.79 - 37.53 | Updated Date 11/10/2025 | ||
Dividends yield (FY) 2.33% | Basic EPS (TTM) 2.7 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-27 | When After Market | Estimate 0.71 | Actual 0.77 |
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 12.74 | Forward PE - | Enterprise Value 239139792 | Price to Sales(TTM) 5.18 |
Enterprise Value 239139792 | Price to Sales(TTM) 5.18 | ||
Enterprise Value to Revenue 5.46 | Enterprise Value to EBITDA - | Shares Outstanding 21367387 | Shares Floating 14733454 |
Shares Outstanding 21367387 | Shares Floating 14733454 | ||
Percent Insiders 28.16 | Percent Institutions 57.19 |
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 holding company for Five Star Bank, providing community banking services. The bank has grown organically and through strategic expansion within California.
Core Business Areas
- Commercial Banking: Offers a range of loan products, deposit accounts, and other financial services to businesses, including commercial real estate lending, equipment financing, and working capital lines of credit.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, and consumer loans to individuals and families.
- Wealth Management: Offers investment management, financial planning, and trust services to high-net-worth individuals and families.
Leadership and Structure
James Beckwith serves as the President and Chief Executive Officer. The organizational structure includes departments such as Commercial Lending, Retail Banking, Finance, and Operations, overseen by senior management and a Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share information is not readily available. Competitors include larger national banks and other regional community banks.
- Small Business Loans: Offers loans to small businesses for various purposes, such as expansion, equipment purchases, and working capital. Market share information is not readily available. Competitors include larger national banks and other regional community banks and online lenders.
- Deposit Accounts: Includes checking, savings, and money market accounts for individuals and businesses. Market share information is not readily available. Competitors include larger national banks and other regional community banks and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges such as rising interest rates, increased competition from fintech companies, and regulatory scrutiny. Community banks are focused on building strong customer relationships and providing personalized service.
Positioning
Five Star Bancorp positions itself as a community-focused bank with strong local knowledge and a commitment to serving the needs of businesses and individuals in its target markets. Its competitive advantages include its personalized service and local decision-making.
Total Addressable Market (TAM)
The total addressable market for community banking in California is estimated to be in the hundreds of billions of dollars. Five Star Bancorp is positioned to capture a portion of this market through its local presence and focus on small to medium-sized businesses.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Focus on customer service
- Healthy balance sheet
- Solid loan quality
Weaknesses
- Limited geographic diversification
- Smaller size compared to larger competitors
- Reliance on interest income
- Vulnerable to economic downturns in California
- Limited brand recognition outside its service area
Opportunities
- Expansion into new markets within California
- Increased adoption of digital banking solutions
- Growing demand for commercial real estate financing
- Acquisitions of smaller community banks
- Cross-selling opportunities with wealth management services
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic slowdown in California
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- CMA
- BOKF
- TCBI
Competitive Landscape
Five Star Bancorp competes with larger national banks and other regional community banks. Its advantages include its personalized service and local decision-making, while its disadvantages include its smaller size and limited geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: Five Star Bancorp has experienced steady growth in recent years, driven by organic loan growth and expansion into new markets.
Future Projections: Analyst estimates for future growth vary. Check financial data websites for accurate estimates.
Recent Initiatives: Recent initiatives include investments in technology to improve the customer experience and expansion into new markets within California.
Summary
Five Star Bancorp is a community-focused bank with a strong presence in California. Its strengths include its experienced management team, focus on customer service, and healthy balance sheet. However, it faces challenges such as increased competition and economic uncertainty. Recent strategic initiatives aim to drive future growth and improve the customer experience.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Sources
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share estimates are approximate.
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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