Five Star Bancorp (FSBC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Five Star Bancorp

NasdaqGS•Financial Services•Banks - Regional

$46.96+0.55(0.01%)Market closed

Market Cap

$951.16M

P/E

13.2x

P/S

3.4x

P/B

2.0x

Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. In addition, the company offers loan products, such as commercial real estate loans; commercial land and construction loans; residential real estate and construction loans; farmland loans; the U.S. small business administration loans; and consumer and other loans, as well as operating lines of credit. Further, its investment portfolio consists of U.S. government agency securities, mortgage-backed securities, and obligations of states and political subdivisions. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.

How this company scores

WeakMetricSide Score: 89/100

Grade capped at D — Interest coverage below 1× (1.0x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability22/25

Growth24/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality25/25

Strengths

Growing revenueRising free cash flowStrong marginsHigh ROE

Grade capped at D

Interest coverage below 1× (1.0x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.2x5y range 10.2x – 14.7x

Currently near its 19-quarter median.

P/S · 3.4x5y range 2.6x – 5.6x

Currently near its 19-quarter median.

P/B · 2.0x5y range 1.5x – 2.3x

Price & Volume

Market Cap $951.16M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $277.82M
Q. Revenue: $74.20M
TTM EBITDA: $98.33M
TTM Op. Income: $96.36M
Q. Op. Income: $26.09M
TTM Net Income: $72.01M
Q. Net Income: $19.40M
EPS: $0.91
Shares Out.: $21.27M

$277.82M in TTM revenue grew 18.6% YoY, reaching $74.20M last quarter. TTM EBITDA of $98.33M and TTM operating income of $96.36M show growth is flowing through to the bottom line. TTM net income of $72.01M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 64.6%
EBITDA Margin: 35.9%
Op. Margin: 35.2%
Net Margin: 26.1%

Op. margin of 35.2% is up 2.9% YoY — cost efficiency is improving. Net margin at 26.1% and gross margin of 64.6% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 9% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.2x
P/S Ratio: 3.4x
P/B Ratio: 2.0x

At 13.2x P/E, the stock trades below typical market levels. P/S of 3.4x and P/B of 2.0x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 13% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $5.38B
Cash: $685.07M
Long-Term Debt: $74.11M
Book Value: $473.77M
D/E Ratio: 0.2
Debt/EBITDA: 2.8

With $5.38B in assets and $74.11M in long-term debt, D/E is 0.2and book value is $473.77M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $23.68M
TTM Free Cash Flow: $80.49M
FCF Margin: 29.0%
FCF / Net Income: 1.1

TTM FCF of $80.49M on $23.68M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 7 consecutive quarters — an improving trend.