Lumida
/FSBC
⌘K
Five Star Bancorp

Five Star Bancorp

FSBC
$46.41USD-0.17%-0.08 today

MARKET CAP

1.1B

P/E (TTM)

13.8x

FWD P/E

13.1x

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
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$88.9M$125.1M$181.9M$213.4M$255.5M
YoY %+40.8%+45.4%+17.3%+19.7%
P / Sales5.1x3.7x2.5x2.8x3.0x
EV / Sales29.7x27.3x20.6x19.8x19.7x
Gross Profit, Adj.$84.9M$110.2M$118.4M$126.2M$158.4M
YoY %+29.8%+7.4%+6.6%+25.6%
Margin %95.5%88.1%65.1%59.1%62.0%
EV / Gross Profit31.0x30.9x31.6x33.5x31.8x
EBITDA, Adj.$47.1M$62.9M$66.6M$64.7M$83.7M
YoY %+33.3%+6.0%-2.8%+29.4%
Margin %53.1%50.3%36.6%30.3%32.8%
EV / EBITDA55.9x54.2x56.1x65.4x60.1x
EBIT$47.1M$62.9M$66.6M$64.7M$83.7M
YoY %+33.3%+6.0%-2.8%+29.4%
Margin %53.1%50.3%36.6%30.3%32.8%
EV / EBIT55.9x54.2x56.1x65.4x60.1x
Net Income$42.4M$44.8M$47.7M$45.7M$61.6M
YoY %+5.6%+6.5%-4.3%+34.9%
Net Margin47.8%35.8%26.2%21.4%24.1%
EPS (GAAP)$2.83$2.61$2.78$2.26$2.90
YoY %-7.8%+6.5%-18.7%+28.3%