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Upturn AI Summary - About
Five Star Bancorp(FSBC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FSBC
11/12/2026: FSBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Five Star Bancorp is a relationship-focused regional bank headquartered in Northern California that primarily serves small to medium-sized businesses and professionals. The company has a solid reputation for strong asset quality and prudent lending, which forms the core of its business stability. Its primary growth strategy relies on organic expansion and deepening relationships within its established market. Key risks include geographic concentration in Northern California and sensitivity to interest rate changes that affect profit margins. The stock may appeal to value and dividend-focused investors, though shareholders should monitor regional economic health and competitive pressures on deposits.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely organic and tied to regional economic expansion rather than aggressive M&A. |
| Momentum investor | Weak fit | Banking stocks often move with macroeconomic cycles; requires a positive interest rate and economic outlook. |
| Value investor | Strong fit | Regional banks often trade on tangible book value and are suitable for value-conscious investors. |
| Dividend investor | Strong fit | The company maintains a focus on shareholder returns through dividends. |
| Low-risk investor | Medium fit | Regional banking involves inherent credit and interest rate risks despite generally stable operations. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes and economic outlooks. |
| Valuation risk | Medium | Market valuations for regional banks fluctuate based on asset quality perceptions. |
| Competition risk | Medium | Competition from larger national banks and local peers for deposits is intense. |
| Business quality | Strong | The bank has a strong reputation for prudent lending and relationship management. |
| Dividend income | Medium | Dividends are dependent on profitability and regulatory capital requirements. |
| Execution risk | Low | The management team has a proven track record in its core market. |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.09B USD | Price to earnings Ratio 12.58 | 1Y Target Price 51.4 |
Price to earnings Ratio 12.58 | 1Y Target Price 51.4 | ||
Volume (30-day avg) 140.9K shares | Beta 0.49 | 52 Weeks Range 31.46 - 49.72 | Updated Date 11/12/2026 |
52 Weeks Range 31.46 - 49.72 | Updated Date 11/12/2026 | ||
Dividends yield (FY) 2.26% | Basic EPS (TTM) 3.53 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Regional
- BUY participation
- 53.8%
- Active BUY / eligible
- 21 / 39
- 30-Day BUY Count Change
- +20
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 59.26% | Avg. Invested days 51 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/12/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and consumer loans minus interest paid on deposits. | The bank primarily profits from the spread between what it earns on loans and what it pays to savers. |
| Fee-Based Services | Treasury management fees, service charges on deposit accounts, and other banking fees. | These non-interest revenues provide a steady, less rate-sensitive income stream. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-26 | When After Market | Estimate 0.86 | Actual 0.92 |
Profitability
Profit Margin 43.36% | Operating Margin (TTM) 59.24% |
Management Effectiveness
Return on Assets (TTM) 1.52% | Return on Equity (TTM) 14.8% |
Valuation
Trailing PE 12.58 | Forward PE - | Enterprise Value 496.53M | Price to Sales(TTM) 6.09 |
Enterprise Value 496.53M | Price to Sales(TTM) 6.09 | ||
Enterprise Value to Revenue 6.22 | Enterprise Value to EBITDA - | Shares Outstanding 24.54M | Shares Floating 17.99M |
Shares Outstanding 24.54M | Shares Floating 17.99M | ||
Percent Insiders 20.38 | Percent Institutions 55.39 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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