logo
Twitter
Discord
Email
logo
Five Star Bancorp

Five Star Bancorp

NASDAQ•FSBC
CEO: Mr. James Eugene Beckwith
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2021-05-04
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals in Northern California. It accepts various deposits, such as money market accounts, noninterest-bearing and interest checking accounts, savings accounts, term certificate accounts, and time deposits. The company also offers loan products, including commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans, as well as operating lines of credit. In addition, it provides debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
Contact Information
3100 Zinfandel Drive, Suite 100, Rancho Cordova, CA, 95670, United States
916-626-5000
www.fivestarbank.com
Market Cap
$798.93M
P/E (TTM)
13.9
14.8
Dividend Yield
2.1%
52W High
$37.74
52W Low
$22.22
52W Range
98%
Rank44Top 40.4%
4.1
F-Score
Modified Piotroski Analysis
Based on 9-year fundamentals
Average • 4.1 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2024

Financial Dashboard

Q3 2025 Data

Revenue

$66.49M+23.70%
4-Quarter Trend

EPS

$0.77+48.08%
4-Quarter Trend

FCF

$0.00+0.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Net Interest Income Growth Nine-month NII grew 27.39% to $109.8M, driven by loan growth and improved average loan yield, boosting NIM to 3.52%.
Substantial Asset and Deposit Growth Total assets reached $4.64B, up $588.5M from year-end, fueled by $354.6M in net loan investment growth and $545.4M deposit increase.
Improved Operating Efficiency Efficiency ratio improved significantly to 41.18% for nine months, benefiting from a 27.39% increase in net interest income over prior year.
Stable Credit Quality Metrics Non-accrual loans remain low at 0.05% of total loans held for investment; ACL coverage slightly increased to 1.08% year-to-date.

Risk Factors

Commercial Real Estate Concentration CRE loans represent 84.40% of loans held for investment; significant economic decline could adversely impact collectability despite strong underwriting.
Declining Capital Ratios Tier 1 leverage ratio decreased to 9.78% and total capital ratio fell to 13.59% since year-end, requiring continued capital management.
Interest Rate Sensitivity Exposure Instantaneous 300 bps rate shock scenario shows potential NII decrease of 2.76% and EVE decrease of 8.65% based on current GAP analysis.
Deposit Funding Cost Pressure Interest expense increased due to deposit growth; management relies on monitoring loan-to-deposit ratio (94.73%) amid competitive funding environment.

Outlook

Continued Efficiency Improvement Expected Management expects efficiency ratio to continue improving going forward, supported by past investments in personnel, technology, and infrastructure growth.
Stable Loan Portfolio Composition Company expects to maintain current product and geographic concentrations, focusing on Northern California small/medium business lending.
Managing Liquidity Needs Liquidity supported by deposits, FHLB access, and Fed Discount Window availability; ample resources expected to fund future growth needs.
Regulatory Environment Changes Monitoring impacts from new legislation like the GENIUS Act and ongoing CFPB rulemaking regarding Section 1033 requirements.

Peer Comparison

Revenue (TTM)

Business First Bancshares, Inc.BFST
$509.73M
+18.0%
Hanmi Financial CorporationHAFC
$438.96M
+3.1%
CNB Financial CorporationCCNE
$395.00M
+11.3%

Gross Margin (Latest Quarter)

CNB Financial CorporationCCNE
92.8%
+33.8pp
MetroCity Bankshares, Inc.MCBS
62.7%
+2.6pp
Five Star BancorpFSBC
58.1%
+4.7pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
HBNC$945.99M-4.6-25.2%6.8%
HAFC$869.00M12.09.6%0.0%
TRST$840.47M14.88.3%2.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
4.0%
Moderate Growth
4Q Net Income CAGR
7.1%
Profitability Improving
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Jan 26, 2026
|
EPS:$0.77
|
Revenue:$42.58M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 6, 2025|
    Revenue: $66.49M+23.7%
    |
    EPS: $0.77+48.1%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 7, 2025|
    Revenue: $61.97M+23.3%
    |
    EPS: $0.68+33.3%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 8, 2025|
    Revenue: $58.13M+18.4%
    |
    EPS: $0.62+0.0%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 28, 2025|
    Revenue: $212.20M+17.4%
    |
    EPS: $2.26-18.7%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $53.76M+16.5%
    |
    EPS: $0.52-18.8%
    Meet

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 6, 2024|
    Revenue: $50.27M+11.0%
    |
    EPS: $0.51-31.1%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 8, 2024|
    Revenue: $49.08M+18.5%
    |
    EPS: $0.62-19.5%
    Beat

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 23, 2024|
    Revenue: $180.70M+46.0%
    |
    EPS: $2.78+6.5%
    Beat