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Five star bancorpFSBC.US Overview

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FSBC Recent Performance

-1.18%

Five star bancorp

0.23%

Avg of Sector

-0.49%

S&P500

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FSBC Key Information

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FSBC Profile

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.

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FSBC FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

FSBC Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.88
PE Ratio (TTM)
13.97
Forward PE
-
PS Ratio (TTM)
5.82
PB Ratio
1.94
Price-to-FCF
12.21
METRIC
VALUE
vs. INDUSTRY
Gross Margin
100.00%
Net Margin
41.42%
Revenue Growth (YoY)
24.77%
Profit Growth (YoY)
24.77%
3-Year Revenue Growth
11.31%
3-Year Profit Growth
11.31%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.88
PE Ratio (TTM)
13.97
Forward PE
-
PS Ratio (TTM)
5.82
PB Ratio
1.94
Price-to-FCF
12.21
Gross Margin
100.00%
Net Margin
41.42%
Revenue Growth (YoY)
24.77%
Profit Growth (YoY)
24.77%
3-Year Revenue Growth
11.31%
3-Year Profit Growth
11.31%
  • When is FSBC's latest earnings report released?

    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.

  • Where does FSBC fall in the P/E River chart?

    According to historical valuation range analysis, Five star bancorp (FSBC)'s current price-to-earnings (P/E) ratio is 13.51, 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.

  • What is the operating profit of FSBC?

    According to the latest financial report, Five star bancorp (FSBC) reported an Operating Profit of 23.01M with an Operating Margin of 56.58% 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.

  • How is FSBC's revenue growth?

    In the latest financial report, Five star bancorp (FSBC) announced revenue of 40.67M, with a Year-Over-Year growth rate of 20.12%. 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.

  • How much cash does FSBC have?

    At the end of the period, Five star bancorp (FSBC) held Total Cash and Cash Equivalents of 506.85M, accounting for 0.11 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does FSBC go with three margins increasing?

    In the latest report, Five star bancorp (FSBC) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 56.58%%, and net margin of 43.4%%. 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.

  • Is FSBC's EPS continuing to grow?

    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.

  • What is the FCF of FSBC?

    Five star bancorp (FSBC)'s Free Cash Flow (FCF) for the period is 19.92M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 11.35% 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.

  • What are the PEG ratio and PE ratio of FSBC?

    The latest valuation data shows Five star bancorp (FSBC) has a Price-To-Earnings (PE) ratio of 13.51 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.