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0.23%
Five star bancorp
1.79%
Avg of Sector
-0.31%
S&P500

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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals. The company accepts various deposits, such as money market, noninterest-bearing and interest checking accounts, savings accounts, and time deposits. Its loan products include commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans. The company also offers debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. It operates through seven branch offices and two loan production offices in Northern California. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Five star bancorp (FSBC) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating FSBC's short-term business performance and financial health. For the latest updates on FSBC's earnings releases, visit this page regularly.
According to historical valuation range analysis, Five star bancorp (FSBC)'s current price-to-earnings (P/E) ratio is 10.76, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Five star bancorp (FSBC) reported an Operating Profit of 23.01M with an Operating Margin of 33.92% this period, representing a growth of 18.8% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Five star bancorp (FSBC) announced revenue of 67.82M, with a Year-Over-Year growth rate of 100.33%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
In the latest report, Five star bancorp (FSBC) achieved the “three margins increasing” benchmark, with a gross margin of 59.96%%, operating margin of 33.92%%, and net margin of 26.01%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess FSBC's profit trajectory and future growth potential.
According to the past four quarterly reports, Five star bancorp (FSBC)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.83. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Five star bancorp (FSBC)'s Free Cash Flow (FCF) for the period is 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 100% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Five star bancorp (FSBC) has a Price-To-Earnings (PE) ratio of 10.76 and a Price/Earnings-To-Growth (PEG) ratio of 1.38. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.