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Company Analysis

Five Star Bancorp FSBC

A comprehensive view of key metrics, scores, and financial health for Five Star Bancorp

Overview of Five Star Bancorp

FSBC NMS
Financial Services Banks - Regional Small Cap
Five Star Bancorp (FSBC), is a Small Cap company, in the Banks - Regional industry, last closed at $36.48, about 42.5% overvalued vs fair value, +30.0% 1Y return, ranked 263/1004 in sector.
$36.48
-0.82%
As of March 13, 2026
Previous close • Vol 90d: 26.1%
52-Week Range
Market Cap
$779.80M
Enterprise Value
$404.71M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.fivestarbank.com
HQ Rancho Cordova, CA
Fiscal year Dec 31

Next Events

Earnings Apr 27 Estimated

Fair Value Snapshot

Bear Base Bull
$12
$21
$39
Current: $36.48 -43% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$207.0M
18.7%%
Interest Expense
$97.0M
Net Interest Income
$119.7M
8%%
Total Revenue
$255.5M
104.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.5%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$16.2M
35.6% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Five Star Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
61
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
62
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing FSBC's balance between Growth (35.0%), Profitability (32.6%), and Safety (32.4%). Growth 35% Safety 32% Profitability 33%

Click axes to expand details. Marker shows current allocation.

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Growth

86th percentile vs peers
86
Key Signals
Rev Growth YoY 1.04 82p Asset Growth YoY 17.3% 88p Revenue CAGR 3Y 32.9% 87p
Strengths
  • Growth performance in top 20% of peers (percentile: 86)
  • Rev Growth Yoy in top 20% of peers (1.04, 82th percentile)
  • Asset Growth Yoy in top 20% of peers (17.3%, 88th percentile)
  • Revenue Cagr 3Y in top 20% of peers (32.9%, 87th percentile)
Risks

No significant risks identified for this axis.

Profitability

80th percentile vs peers
80
Key Signals
Strengths
Risks
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Safety

79th percentile vs peers
80
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Five Star Bancorp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$20.97
- - -
-42.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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