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/FSBC
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Five Star Bancorp

Five Star Bancorp

FSBC
$45.90USD↓-1.46%-0.68 today

MARKET CAP

1.1B

P/E (TTM)

15.8x

FWD P/E

—

DAY RANGE

$46 – $47

52W RANGE

$31
$50

AI Summary

Stalk
TrimMedium

FSBC remains below the 9/20/50 EMA cluster after a bearish pivot point, indicating medium-term distribution and tradable bias to the downside. Short-term timing is neutral as price pulls back into declining EMAs without a clear rejection. We await a failed rally into the EMA zone for optimal trimming opportunities. Long-term uptrend intact via rising 200-day SMA.

  • ↑Q2 net income $19.4 M (+34% YoY) drove EPS to $0.91 (+34%)
  • ↑Total loans rose 29% annualized to $4.5 B, fueled by CRE demand
  • ↓CRE concentration (~80% of loans) heightens exposure to sector shocks
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The case for & against

Bull & Bear analysis

Bullish

Five Star Bancorp (NASDAQ: FSBC) is a community-focused bank headquartered in Northern California, primarily serving small to medium-sized businesses and agricultural sectors. With a strong emphasis on relationship-driven banking, the bank has demonstrated significant organic growth, especially as it expands its presence into Southern California. The company’s portfolio is notably concentrated in commercial real estate and agribusiness, positioning it strategically within the regional financial landscape.

Bull says

  • ↑Q2 net income $19.4 M (+34% YoY) drove EPS to $0.91 (+34%)
  • ↑Total loans rose 29% annualized to $4.5 B, fueled by CRE demand
  • ↑74% floating-rate loans support net interest margin in higher rates
  • ↑Declared $0.25/share dividend (2.02% yield) underlines shareholder returns
  • ↑Southern California expansion to drive new client acquisition and growth
  • ↑Strong earnings yield, growth momentum, and low volatility factors

Bear says

  • ↓CRE concentration (~80% of loans) heightens exposure to sector shocks
  • ↓Trades at a premium on forward P/E and tangible BV vs peers
  • ↓Provisions for credit losses rose to $2.3 M; NPL ratio climbed to 0.30%
  • ↓Low profitability factor and negative short-interest sentiment weigh on stock
  • ↓Geopolitical and inflation risks may pressure margins and asset quality
  • ↓Major institutions trimming positions limits potential upside momentum

Earnings Call · Q2 2025 · Mgmt. Guidance

Updated 07-31-2026bullish

Transcript signals

Bull points

  • Financial highlights during the second quarter included $14.5 million of net income, earnings per share of 68 cents, return on average assets of 1.37%, and return on average equity of 14.17%.
  • Our net interest margin expanded by eight basis points to 3.53%, and our cost of total deposits declined by two basis points to 2.46%.
  • During the second quarter, we saw continued balance sheet growth as loans held for investment grew by $136.2 million or 15% on an annualized basis. Deposit growth was approximately $158.3 million or 17% on an annualized basis.

Bear points

  • Noninterest expense grew by $700,000 in the three months ended June 30, primarily due to increases in business travel, conferences, training, and promotional expenses associated with the expansion of business development teams.
Read full transcript analysis ›