Stock Scorecard
Stock Summary for Five Star Bancorp (FSBC) - $43.88 as of 6/16/2026 12:47:55 PM EST
Total Score
20 out of 30
Safety Score
62 out of 100
Currently on the following lists
Growth Stock List
Tim's Recommendation
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 (62 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) | 3 |
| 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) | 4 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for FSBC
Financial Details for FSBC
Company Overview |
|
|---|---|
| Ticker | FSBC |
| Company Name | Five Star Bancorp |
| Country | USA |
| 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 | 3/31/2026 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 43.88 |
| Price 4 Years Ago | 24.40 |
| Last Day Price Updated | 6/16/2026 12:47:55 PM EST |
| Last Day Volume | 119,778 |
| Average Daily Volume | 102,359 |
| 52-Week High | 45.48 |
| 52-Week Low | 25.56 |
| Last Price to 52 Week Low | 71.67% |
Valuation Measures |
|
| Trailing PE | 14.21 |
| Industry PE | 14.46 |
| Sector PE | 17.06 |
| 5-Year Average PE | 17.18 |
| Free Cash Flow Ratio | 1.46 |
| Industry Free Cash Flow Ratio | 13.48 |
| Sector Free Cash Flow Ratio | 33.96 |
| Current Ratio Most Recent Quarter | 0.14 |
| Total Cash Per Share | 30.15 |
| Book Value Per Share Most Recent Quarter | 21.45 |
| Price to Book Ratio | 2.09 |
| Industry Price to Book Ratio | 1.23 |
| Sector Price to Book Ratio | 1.79 |
| Price to Sales Ratio Twelve Trailing Months | 6.07 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.55 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.02 |
| Analyst Buy Ratings | 2 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 21,376,200 |
| Market Capitalization | 937,987,656 |
| Institutional Ownership | 59.29% |
Dividends |
|
| Ex-Dividend Date | 5/4/2026 |
| Previous Dividend Amount | 0.2500 |
| Current Dividend Amount | 0.2500 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.90 |
| Trailing Annual Dividend Yield | 2.01% |
| Forward Annual Dividend Rate | 1.00 |
| Forward Annual Dividend Yield | 2.23% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 2.28% |
| 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 | 28.57% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 40.70% |
| Annual Earnings Growth | 34.89% |
| Reported EPS 12 Trailing Months | 3.15 |
| Reported EPS Past Year | 0.87 |
| Reported EPS Prior Year | 2.90 |
| Net Income Twelve Trailing Months | 67,116,000 |
| Net Income Past Year | 61,606,000 |
| Net Income Prior Year | 45,671,000 |
| Quarterly Revenue Growth YOY | 26.90% |
| 5-Year Revenue Growth | 25.23% |
| Operating Margin Twelve Trailing Months | 60.30% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 644,459,000 |
| Total Cash Past Year | 506,951,000 |
| Total Cash Prior Year | 356,464,000 |
| Net Cash Position Most Recent Quarter | 570,382,000 |
| Net Cash Position Past Year | 432,910,000 |
| Long Term Debt Past Year | 74,041,000 |
| Long Term Debt Prior Year | 73,895,000 |
| Total Debt Most Recent Quarter | 74,077,000 |
| 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 | 458,519,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 74,804,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.50 |
| 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 | 35.66 |
| 20-Day Bollinger Middle Band | 39.69 |
| 20-Day Bollinger Upper Band | 43.71 |
| Beta | 0.54 |
| RSI | 62.40 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 6/15/2026 11:34:34 PM EST |