Five Star Bancorp

Five Star Bancorp (FSBC) Stock Analysis

$42.510

-0.208 (-0.49%)At close

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High
42.810
Open
42.160
VWAP
42.43
Volume
148.02K
Mkt Cap
490.36M
Low
41.970
Amount
6.28M
EV/EBITDA, TTM
7.95

Five Star Bancorp is a bank holding company that operates through its wholly owned subsidiary, Five Star Bank, a California state-chartered non-member bank. The Company provides a broad range of banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California through approximately eight branch offices. It offers a complete array of deposit products for small and medium-sized businesses, professionals, and individuals, including a variety of checking and savings accounts, time deposits, and money market accounts. The Company also provides a range of deposit services, including debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. It focuses primarily on commercial lending. It offers a variety of loans to small and medium-sized businesses, professionals, and individuals, including commercial real estate, commercial, commercial land and construction, and farmland loans.

AI analysis of Five Star Bancorp (FSBC)

Hold

Five Star Bancorp is currently trading at $42.48, which is below the average analyst price target of $51, indicating potential upside. However, the RSI is at 35.224, suggesting the stock is oversold, and the recent 5-day change is -2.68%, indicating downward momentum. The main risk is the increase in non-performing commercial real estate loans, which could impact future earnings.

Valuation Metrics

The current forward P/E ratio for Five Star Bancorp (FSBC) is 0.00, compared to its 5-year average forward P/E of 10.68.

Forward P/E

Strongly Undervalued
5Y Average P/E
10.68
Current P/E
0.00
Overvalued
12.27
Undervalued
9.09

Forward EV/EBITDA

Strongly Overvalued
5Y Average EV/EBITDA
1.10
Current EV/EBITDA
7.95
Overvalued
3.75
Undervalued
-1.56

Forward P/S

Fair
5Y Average P/S
4.00
Current P/S
4.61
Overvalued
4.64
Undervalued
3.36

Alphio AI Price Scenarios for FSBC

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%FSBC

$38.39

Scenario price

B

Base

Base · 50%FSBC

$34.98

Scenario price

B

Bear

Bear · 25%FSBC

$32.56

Scenario price

Whales holding FSBC

D

Davis Capital Partners, LLC

+ HoldingFSBC

-0.72%

3M Return

Events Timeline

2026-09-14 (ET)

19:00:00

Five Star Bancorp Appoints Lydia Ramirez as Chief External Affairs Officer

2026-07-22 (ET)

16:31:00

Five Star Bancorp Launches Underwritten Public Offering

2026-04-27 (ET)

18:40:00

Five Star Bank Reports Q1 2026 EPS of $0.87

2026-01-30 (ET)

16:30:00

Five Star Bancorp Files $300M Mixed Securities Shelf

2026-01-26 (ET)

18:40:00

Five Star Bank Q4 Tangible Book Value Reaches $20.87

News

FSBC FAQ — answered by Alphio AI

Five Star Bancorp is a bank holding company that operates through its wholly owned subsidiary, Five Star Bank, a California state-chartered non-member bank. The Company provides a broad range of banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California through approximately eight branch offices. It offers a complete array of deposit products for small and medium-sized businesses, professionals, and individuals, including a variety of checking and savings accounts, time deposits, and money market accounts. The Company also provides a range of deposit services, including debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. It focuses primarily on commercial lending. It offers a variety of loans to small and medium-sized businesses, professionals, and individuals, including commercial real estate, commercial, commercial land and construction, and farmland loans. It operates in the Financials sector (STATE COMMERCIAL BANKS industry).

Five Star Bancorp is currently trading at $42.48, which is below the average analyst price target of $51, indicating potential upside. However, the RSI is at 35.224, suggesting the stock is oversold, and the recent 5-day change is -2.68%, indicating downward momentum. The main risk is the increase in non-performing commercial real estate loans, which could impact future earnings.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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