Five Star Bancorp (FSBC) Stock Price, News & Analysis

Company Overview

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 in Northern California. It accepts various deposits, such as money market accounts, noninterest-bearing and interest checking accounts, savings accounts, term certificate accounts, and time deposits. The company also offers loan products, including commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans, as well as operating lines of credit. In addition, it provides debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.

Key Stats

• Today's Range: $29.75 to $30.62
• 50-Day Range: $29.61 to $33.55
• 52-Week Range: $21.10 to $35.13
• Volume: 119,013 shs
• Average Volume: 47,052 shs
• Market Capitalization: $647.88 million
• P/E Ratio: 13.33
• Dividend Yield: 2.63%
• Price Target: $35.25
• Consensus Rating: Moderate Buy

Five Star Bancorp Stock Analysis - MarketRank™

Five Star Bancorp scored higher than 85% of companies evaluated by MarketBeat, and ranked 207th out of 935 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Five Star Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.75, and is based on 3 buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Five Star Bancorp has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 19.18%

Earnings Growth

Earnings for Five Star Bancorp are expected to grow by 19.18% in the coming year, from $2.19 to $2.61 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Five Star Bancorp is 13.33, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 113.43.

Price to Earnings Ratio vs. Sector

The P/E ratio of Five Star Bancorp is 13.33, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 26.77.

Price to Book Value per Share Ratio

Five Star Bancorp has a P/B Ratio of 1.84. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.14% of the float of Five Star Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Five Star Bancorp has a short interest ratio ("days to cover") of 4.2.

Change versus previous month

Short interest in Five Star Bancorp has recently decreased by 5.48%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Five Star Bancorp pays a meaningful dividend of 2.63%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Five Star Bancorp does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Five Star Bancorp is 35.09%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Five Star Bancorp will have a dividend payout ratio of 30.65% next year. This indicates that Five Star Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.14% of the float of Five Star Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Five Star Bancorp has a short interest ratio ("days to cover") of 4.2.

Change versus previous month

Short interest in Five Star Bancorp has recently decreased by 5.48%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 1.10

News Sentiment

Five Star Bancorp has a news sentiment score of 1.10. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.77 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Five Star Bancorp this week, compared to 2 articles on an average week.

Search Interest

Only 1 people have searched for FSBC on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Five Star Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $46,005.00 in company stock.

Percentage Held by Insiders

25.57% of the stock of Five Star Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

46.94% of the stock of Five Star Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

FSBC Stock Analysis - Frequently Asked Questions

How have FSBC shares performed this year?

Five Star Bancorp's stock was trading at $26.18 on January 1st, 2024. Since then, FSBC stock has increased by 16.1% and is now trading at $30.39.
View the best growth stocks for 2024 here.

How were Five Star Bancorp's earnings last quarter?

Five Star Bancorp (NASDAQ:FSBC) announced its earnings results on Monday, October, 28th. The company reported $0.52 EPS for the quarter, missing analysts' consensus estimates of $0.54 by $0.02. The company had revenue of $54.05 million for the quarter. Five Star Bancorp had a trailing twelve-month return on equity of 12.80% and a net margin of 21.35%.

When did Five Star Bancorp IPO?

Five Star Bancorp (FSBC) raised $101 million in an initial public offering on Wednesday, May 5th 2021. The company issued 5,300,000 shares at a price of $18.00-$20.00 per share. Keefe, Bruyette & Woods (Stifel) served as the underwriter for the IPO and Stephens, Inc. and D.A. Davidson were co-managers.

Who are Five Star Bancorp's major shareholders?

Five Star Bancorp's top institutional shareholders include Franklin Resources Inc. (2.69%), Geode Capital Management LLC (1.77%), State Street Corp (1.75%) and Captrust Financial Advisors (1.60%). Insiders that own company stock include David John Lucchetti, Robert Truxtun Perry-Smith, Michael Eugene Lee, Brett Levi Wait and Lydia Ann Ramirez-Medina.
View institutional ownership trends.

How do I buy shares of Five Star Bancorp?

Shares of FSBC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of Five Star Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Five Star Bancorp investors own include Tesla (TSLA), JPMorgan Chase & Co. (JPM), Advanced Micro Devices (AMD), Meta Platforms (META), NVIDIA (NVDA), Home Depot (HD) and Netflix (NFLX).

Company Calendar

• Last Earnings: 10/28/2024
• Ex-Dividend for 11/12 Dividend: 11/04/2024
• Dividend Payable: 11/12/2024
• Today: 12/21/2024
• Fiscal Year End: 12/31/2024

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:FSBC
• CUSIP: N/A
• CIK: 1667939
• Web: www.fairportsavingsbank.com
• Phone: 916-626-5000
• Fax: N/A
• Employees: 180
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $35.25
• High Stock Price Target: $38.00
• Low Stock Price Target: $32.00
• Potential Upside/Downside: +16.0%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.75
• Research Coverage: 4 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $2.28
• Trailing P/E Ratio: 13.33
• Forward P/E Ratio: 13.88
• P/E Growth: N/A
• Net Income: $47.73 million
• Net Margins: 21.35%
• Pretax Margin: 29.94%
• Return on Equity: 12.80%
• Return on Assets: 1.18%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.06
• Quick Ratio: 1.06

Sales & Book Value

• Annual Sales: $118.47 million
• Price / Sales: 5.47
• Cash Flow: $2.66 per share
• Price / Cash Flow: 11.41
• Book Value: $16.56 per share
• Price / Book: 1.84

Miscellaneous

• Outstanding Shares: 21,319,000
• Free Float: 15,868,000
• Market Cap: $647.88 million
• Optionable: Optionable
• Beta: 0.45