Stock Scorecard
Stock Summary for Five Star Bancorp (FSBC) - $36.64 as of 3/18/2026 11:07:16 AM EST
Total Score
15 out of 30
Safety Score
41 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for FSBC
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for FSBC
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for FSBC
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for FSBC
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for FSBC (41 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 2 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 8 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for FSBC
Financial Details for FSBC
Company Overview |
|
|---|---|
| Ticker | FSBC |
| Company Name | Five Star Bancorp |
| Country | N/A |
| Description | Five Star Bancorp is the banking holding company for Five Star Bank offering a range of banking products and services to small and medium-sized businesses, professionals and individuals. The company is headquartered in Rancho Cordova, California. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | 4/27/2026 |
Stock Price History |
|
| Last Day Price | 36.64 |
| Price 4 Years Ago | 24.55 |
| Last Day Price Updated | 3/18/2026 11:07:16 AM EST |
| Last Day Volume | 68,972 |
| Average Daily Volume | 75,587 |
| 52-Week High | 42.26 |
| 52-Week Low | 21.65 |
| Last Price to 52 Week Low | 69.24% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 18.50 |
| Sector PE | 35.68 |
| 5-Year Average PE | 10.99 |
| Free Cash Flow Ratio | 1.66 |
| Industry Free Cash Flow Ratio | 9.21 |
| Sector Free Cash Flow Ratio | 34.22 |
| Current Ratio Most Recent Quarter | 253.98 |
| Total Cash Per Share | 22.12 |
| Book Value Per Share Most Recent Quarter | 20.86 |
| Price to Book Ratio | 1.76 |
| Industry Price to Book Ratio | 1.07 |
| Sector Price to Book Ratio | 1.68 |
| Price to Sales Ratio Twelve Trailing Months | 5.29 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.11 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.51 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 21,376,200 |
| Market Capitalization | 783,223,968 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 2/2/2026 |
| Previous Dividend Amount | 0.2000 |
| Current Dividend Amount | 0.2500 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.85 |
| Trailing Annual Dividend Yield | 2.33% |
| Forward Annual Dividend Rate | 1.00 |
| Forward Annual Dividend Yield | 2.74% |
| 5-Year Dividend Payments Count | 19 |
| 3-Year Average Dividend Yield | 2.26% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 25.00% |
| 3-Year Dividend Growth Rate Percentage | 11.80% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 10.06% |
| Dividend Payout Ratio | 29.31% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 32.60% |
| Annual Earnings Growth | 34.89% |
| Reported EPS 12 Trailing Months | 2.90 |
| Reported EPS Past Year | 2.90 |
| Reported EPS Prior Year | 2.28 |
| Net Income Twelve Trailing Months | 61,606,000 |
| Net Income Past Year | 61,606,000 |
| Net Income Prior Year | 45,671,000 |
| Quarterly Revenue Growth YOY | 20.10% |
| 5-Year Revenue Growth | 25.23% |
| Operating Margin Twelve Trailing Months | 57.90% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 472,873,000 |
| Total Cash Past Year | 472,873,000 |
| Total Cash Prior Year | 356,464,000 |
| Net Cash Position Most Recent Quarter | 398,832,000 |
| Net Cash Position Past Year | 398,832,000 |
| Long Term Debt Past Year | 74,041,000 |
| Long Term Debt Prior Year | 73,895,000 |
| Total Debt Most Recent Quarter | 74,041,000 |
| Equity to Debt Ratio Past Year | 0.86 |
| Equity to Debt Ratio Most Recent Quarter | 0.86 |
| Total Stockholder Equity Past Year | 445,832,000 |
| Total Stockholder Equity Prior Year | 396,624,000 |
| Total Stockholder Equity Most Recent Quarter | 445,832,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 71,415,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.34 |
| Free Cash Flow Past Year | 71,415,000 |
| Free Cash Flow Prior Year | 51,158,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.51 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 3/16/2026 11:08:49 PM EST |