Five Star Bancorp (FSBC) is a Financials stock trading at $45.16 (as of 2026-08-21), with a market capitalization of $1.11B and a trailing P/E of 15.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
Five Star Bancorp is the holding company for Five Star Bank, offering deposit accounts and lending products including commercial and residential real estate, commercial, construction, and consumer loans. The bank provides online and mobile banking, remote deposit capture, and direct deposit services, serving small and medium-sized businesses, professionals, and individuals through branch and loan production offices in Northern California.
Five Star Bancorp operates as the bank holding company for Five Star Bank, taking customer deposits and making a range of loans (including commercial and residential real estate, construction, farmland, and consumer loans), as well as offering banking services such as debit cards, and it generates profit through lending and banking activity funded by deposits.
For a community bank, the profit engine is the balance between (1) loan performance, which drives credit costs (tracked by Non-Performing Loans), and (2) how loans are funded (tracked by deposit balances and Brokered Deposits), which affects funding stability and the ability to keep originating and growing loans (tracked by Loan Originations and the Weighted Average Rate for New Loans Boarded).
Business quality (Solid): In the latest quarter, reported credit quality appears low (Non-Performing Loans as a Percentage of Loans Held for Investment: 0.07%), while the deposit base includes a sizable brokered component (Brokered Deposits: 0.38 USD_B), which can increase sensitivity to funding conditions.
Valuation: At 14× earnings, FSBC trades 13% above the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $45.16 |
| Market Cap | $1.11B |
| P/E Ratio | 15.4 |
| EV / EBITDA | 4.4 |
| Price / Book | 2.34 |
| Price / Sales | 4.09 |
| FCF Yield | 7.3% |
| DCF Value (model) | $62.30 |
| DCF Upside vs Price | 38.0% |
| Revenue (TTM) | $248.93M |
| Net Margin | 24.7% |
| Revenue Growth (YoY) | 19.4% |
| EPS Growth (YoY) | 33.8% |
| FCF Growth (YoY) | 32.4% |
| Stock P/E | 15.4 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Banking) | 13.0 |
| vs Sector | 1.9% |
| vs Industry | 18.6% |
| Top Institutional Holder | T. Rowe Price Investment Management, Inc. ($76.33M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | James Eugene Beckwith |
| Employees | 205 |
| Country | US |
| IPO Date | 2021-05-04 |
Data as of 2026-08-21.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.