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    Five Star Bancorp (FSBC)

    Market Price (9/14/2026): $46.39 | Market Cap: $986.9 MilSector: Financials | Industry: Regional Banks

    Five Star Bancorp (FSBC)

    Market Price (9/14/2026): $46.39
    Market Cap: $986.9 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.1%, FCF Yield is 8.2%

    Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -68%

    Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 27%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 46%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 46%

    Low stock price volatility
    Vol 12M is 24%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

    Key risks
    FSBC key risks include [1] declining net interest income as interest expenses outpace income, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.1%, FCF Yield is 8.2%
    1 Cash is significant % of market cap
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -68%
    2 Strong revenue growth
    Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 27%
    3 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 46%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 46%
    4 Low stock price volatility
    Vol 12M is 24%
    5 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
    6 Key risks
    FSBC key risks include [1] declining net interest income as interest expenses outpace income, Show more.

    FSBC in ETFs

    Weight = FSBC's share of each fund

    VTI0.00%
    IWM0.03%
    AVUV0.07%
    IWO0.03%
    VTWO0.02%
    DFAS0.02%
    IWN0.02%
    SCHA0.02%
    +3 more covered ETFs

    Valuation & Metrics

    FYE: 12/31FSBC [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$176.6 Mil—
    FY 2026 Sales$197.7 Mil—
    FY 2027 Sales$229.3 Mil—
    FY 2026 Sales Growth11.9%—
    FY 2027 Sales Growth16.0%13.0%
    EARNINGS
    LTM Net Income (GAAP) [3]$72.0 Mil—
    FY 2026 Net Income (Non-GAAP)$74.5 Mil—
    FY 2027 Net Income (Non-GAAP)$79.7 Mil—
    FY 2027 Net Income Growth7.0%18.3%
    FY 2026 EPS (Non-GAAP)$3.51—
    FY 2027 EPS (Non-GAAP)$3.75—
    FY 2027 EPS Growth6.8%—
    VALUATION
    FY 2026 P/S5.01.6
    FY 2027 P/S4.3—
    FY 2026 P/E13.37.4
    FY 2027 P/E12.4—

    [1] FSBC forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 9/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    FSBCS&P 500
    REVENUE GROWTHVERY GOOD
    Rev LTM ($ Bil)0.2
    Rev Chg Q25.7%9.1%
    Rev Chg LTM26.8%8.3%
    Rev Chg 3Y Avg14.7%5.8%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.1
    Net Inc LTM ($ Bil)0.1
    CFO/Rev LTM46.4%21.8%
    Net Inc Mgn40.8%13.1%
    VALUATIONMODERATE
    P/S5.63.2
    P/CFO12.015.1
    P/FCF12.319.4
    P/E13.722.6

    AI Analysis | Feedback

    MetricValueDateSource
    Number of employees in the San Francisco Bay Area2712312024Link
    Percentage of non-wholesale deposit accounts87.66%9302025Link
    Percentage of deposit relationships greater than $5 million60.14%9302025Link
    Average age of deposit relationships greater than $5 million (in years)7.989302025Link
    Efficiency Ratio40.13%9302025Link
    Common Equity Tier 1 Capital Ratio10.77%9302025Link

    Price Chart

    No Events

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 9/1/2026

    Five Star Bancorp (FSBC) stock has gained about 10% since 5/31/2026 because of the following key factors:

    1. Five Star Bancorp reported strong financial results for fiscal Q2 2026, which ended June 30, 2026.

    The company announced net income of $19.4 million for the quarter, an increase from $14.5 million in the prior year's second quarter. Diluted earnings per share (EPS) reached $0.91, surpassing analyst estimates of $0.86 by 5.8%. Total assets expanded to $5.38 billion at the end of fiscal Q2 2026, up from $4.75 billion at December 31, 2025, and total deposits grew by $330.0 million, or 7.38%, to $4.80 billion compared to March 31, 2026. This growth was driven by an increase in net interest income, primarily due to loan growth.

    2. The company successfully completed a significant capital raise through a public offering.

    In July 2026, Five Star Bancorp completed a public offering of 3,133,750 common shares at $44.00 per share, generating approximately $129.9 million in net proceeds. The underwriters fully exercised their option to purchase additional shares, as announced on July 27, 2026. This capital infusion bolstered the company's balance sheet, supporting further growth initiatives.

    Show more
    Updated on 9/1/2026

    Five Star Bancorp (FSBC) stock has gained about 10% since 5/31/2026 because of the following key factors:

    1. Five Star Bancorp reported strong financial results for fiscal Q2 2026, which ended June 30, 2026.

    The company announced net income of $19.4 million for the quarter, an increase from $14.5 million in the prior year's second quarter. Diluted earnings per share (EPS) reached $0.91, surpassing analyst estimates of $0.86 by 5.8%. Total assets expanded to $5.38 billion at the end of fiscal Q2 2026, up from $4.75 billion at December 31, 2025, and total deposits grew by $330.0 million, or 7.38%, to $4.80 billion compared to March 31, 2026. This growth was driven by an increase in net interest income, primarily due to loan growth.

    2. The company successfully completed a significant capital raise through a public offering.

    In July 2026, Five Star Bancorp completed a public offering of 3,133,750 common shares at $44.00 per share, generating approximately $129.9 million in net proceeds. The underwriters fully exercised their option to purchase additional shares, as announced on July 27, 2026. This capital infusion bolstered the company's balance sheet, supporting further growth initiatives.

    3. Significant insider buying activity indicated strong confidence from the company's directors.

    On July 22, 2026, several directors engaged in substantial purchases of Five Star Bancorp common stock at $44.00 per share, collectively totaling over $6.28 million. Notable transactions included director Larry Eugene Allbaugh purchasing shares worth approximately $4.25 million, and director Robert Truxtun Perry-Smith acquiring shares valued at about $1.38 million. These large-scale insider buys demonstrated a strong vote of confidence in the company's future prospects.

    4. Analyst price targets were favorably revised upwards following the positive developments.

    Analysts responded to the company's strong performance and capital actions with upward revisions to price targets. For instance, D.A. Davidson maintained a "Buy" rating with a target of $55.00 on July 29, 2026. Stephens & Co. raised its price target from $43.00 to $51.00 on July 27, 2026, while Keefe, Bruyette & Woods (KBW) also increased its price target to $50.00 on July 24, 2026. The overall consensus rating from analysts remained positive, with an average price target that suggested further upside potential.

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    Stock Movement Drivers

    Fundamental Drivers

    The 10.5% change in FSBC stock from 5/31/2026 to 9/13/2026 was primarily driven by a 5.8% change in the company's Total Revenues ($ Mil).
    (LTM values as of)53120269132026Change
    Stock Price ($)42.0146.4110.5%
    Change Contribution By: 
    Total Revenues ($ Mil)1671775.8%
    Net Income Margin (%)40.2%40.8%1.4%
    P/E Multiple13.313.73.1%
    Shares Outstanding (Mil)2121-0.1%
    Cumulative Contribution10.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    5/31/2026 to 9/13/2026
    ReturnCorrelation
    FSBC10.5% 
    Market (SPY)1.0%6.3%
    Sector (XLF)11.0%38.2%

    Fundamental Drivers

    The 20.6% change in FSBC stock from 2/28/2026 to 9/13/2026 was primarily driven by a 12.5% change in the company's Total Revenues ($ Mil).
    (LTM values as of)22820269132026Change
    Stock Price ($)38.4946.4120.6%
    Change Contribution By: 
    Total Revenues ($ Mil)15717712.5%
    Net Income Margin (%)39.2%40.8%3.9%
    P/E Multiple13.313.73.4%
    Shares Outstanding (Mil)2121-0.2%
    Cumulative Contribution20.6%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    2/28/2026 to 9/13/2026
    ReturnCorrelation
    FSBC20.6% 
    Market (SPY)11.7%29.7%
    Sector (XLF)11.9%45.6%

    Fundamental Drivers

    The 45.0% change in FSBC stock from 8/31/2025 to 9/13/2026 was primarily driven by a 26.8% change in the company's Total Revenues ($ Mil).
    (LTM values as of)83120259132026Change
    Stock Price ($)32.0146.4145.0%
    Change Contribution By: 
    Total Revenues ($ Mil)13917726.8%
    Net Income Margin (%)37.3%40.8%9.4%
    P/E Multiple13.113.74.7%
    Shares Outstanding (Mil)2121-0.2%
    Cumulative Contribution45.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2025 to 9/13/2026
    ReturnCorrelation
    FSBC45.0% 
    Market (SPY)19.5%28.4%
    Sector (XLF)7.3%48.0%

    Fundamental Drivers

    The 131.3% change in FSBC stock from 8/31/2023 to 9/13/2026 was primarily driven by a 102.5% change in the company's P/E Multiple.
    (LTM values as of)83120239132026Change
    Stock Price ($)20.0746.41131.3%
    Change Contribution By: 
    Total Revenues ($ Mil)11917747.9%
    Net Income Margin (%)42.6%40.8%-4.3%
    P/E Multiple6.813.7102.5%
    Shares Outstanding (Mil)1721-19.3%
    Cumulative Contribution131.3%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2023 to 9/13/2026
    ReturnCorrelation
    FSBC131.3% 
    Market (SPY)75.7%42.9%
    Sector (XLF)74.0%57.1%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    FSBC Return127%-7%-1%19%22%32%302%
    Peers Return35%-12%-2%16%15%18%84%
    S&P 500 Return27%-19%24%23%16%11%102%

    Monthly Win Rates [3]
    FSBC Win Rate50%50%42%58%67%56% 
    Peers Win Rate63%52%52%57%60%62% 
    S&P 500 Win Rate75%42%67%75%67%44% 

    Max Drawdowns [4]
    FSBC Max Drawdown-19%-24%-36%-20%-21%-13% 
    Peers Max Drawdown-22%-29%-38%-19%-23%-19% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: NEWT, ATLO, FITB, MTB, HBAN.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 9/11/2026 (YTD)

    How Low Can It Go

    EventFSBCS&P 500
    2025 US Tariff Shock
      % Loss-20.9%-18.8%
      % Gain to Breakeven26.4%23.1%
      Time to Breakeven125 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-23.2%-9.5%
      % Gain to Breakeven30.1%10.5%
      Time to Breakeven47 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-35.4%-6.7%
      % Gain to Breakeven54.8%7.1%
      Time to Breakeven432 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-21.5%-24.5%
      % Gain to Breakeven27.4%32.4%
      Time to Breakeven734 days427 days
    2020 COVID-19 Crash
      % Loss-29.6%-33.7%
      % Gain to Breakeven42.1%50.9%
      Time to Breakeven408 days140 days

    Compare to NEWT, ATLO, FITB, MTB, HBAN

    In The Past

    Five Star Bancorp's stock fell -20.9% during the 2025 US Tariff Shock. Such a loss loss requires a 26.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventFSBCS&P 500
    2025 US Tariff Shock
      % Loss-20.9%-18.8%
      % Gain to Breakeven26.4%23.1%
      Time to Breakeven125 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-23.2%-9.5%
      % Gain to Breakeven30.1%10.5%
      Time to Breakeven47 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-35.4%-6.7%
      % Gain to Breakeven54.8%7.1%
      Time to Breakeven432 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-21.5%-24.5%
      % Gain to Breakeven27.4%32.4%
      Time to Breakeven734 days427 days
    2020 COVID-19 Crash
      % Loss-29.6%-33.7%
      % Gain to Breakeven42.1%50.9%
      Time to Breakeven408 days140 days

    Compare to NEWT, ATLO, FITB, MTB, HBAN

    In The Past

    Five Star Bancorp's stock fell -20.9% during the 2025 US Tariff Shock. Such a loss loss requires a 26.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Five Star Bancorp (FSBC)

    ```html

    Five Star Bancorp (FSBC) functions as the bank holding company for Five Star Bank, a community-focused financial institution primarily serving clients in Northern California. The company is dedicated to providing a broad spectrum of banking products and services tailored to meet the needs of its local market.

    The bank's core offerings include a variety of deposit accounts such as money market, interest and noninterest-bearing checking, savings, and time deposits. On the lending side, Five Star Bank provides diverse loan products, including commercial and residential real estate loans, commercial loans, commercial land loans, farmland loans, and construction loans for both commercial and residential projects, as well as consumer and other loans.

    Beyond its traditional deposit and loan services, FSBC also offers convenient banking tools such as debit cards, remote deposit capture, online and mobile banking, and direct deposit services. Its primary customer base consists of small and medium-sized businesses, professionals, and individuals, all served through its network of seven branch offices and two loan production offices located throughout Northern California.

    ```

    AI Analysis | Feedback

    Here are 1-2 brief analogies for Five Star Bancorp (FSBC):

    • Wells Fargo, but for Northern California's small businesses and real estate.
    • A localized U.S. Bank serving individuals and businesses in Northern California.

    AI Analysis | Feedback

    • Checking Accounts: Offers various accounts, including noninterest-bearing and interest-bearing, for daily transactions.
    • Savings Accounts: Provides accounts for customers to save funds and earn interest.
    • Money Market Accounts: Offers a type of interest-bearing deposit account with features similar to savings accounts.
    • Time Deposits: Provides accounts where funds are held for a fixed duration at a predetermined interest rate.
    • Real Estate Loans: Includes financing for commercial, residential, commercial land, and farmland properties.
    • Construction Loans: Offers financing specifically for both commercial and residential building projects.
    • Commercial Loans: Provides general loans to businesses for operational and growth requirements.
    • Consumer Loans: Offers loans directly to individuals for personal financial needs.
    • Debit Cards: Provides cards for convenient access to funds and making purchases.
    • Digital Banking Services: Encompasses remote deposit capture, online banking, and mobile banking for convenient account management.
    • Direct Deposit Services: Facilitates the automatic deposit of various income sources into customer accounts.

    AI Analysis | Feedback

    The major customers of Five Star Bancorp (FSBC) are categorized as follows:

    • Small and medium-sized businesses
    • Professionals
    • Individuals

    AI Analysis | Feedback

    • Jack Henry & Associates, Inc. (JKHY)

    AI Analysis | Feedback

    James Beckwith, President and Chief Executive Officer

    Mr. Beckwith has served as President and Chief Executive Officer of Five Star Bancorp since 2003 and is a member of the Company's board of directors. He joined Five Star Bank in 2003 after serving as Chief Financial Officer and Chief Operating Officer at National Bank of the Redwoods in Santa Rosa, California. Mr. Beckwith is described as entrepreneurial and was a driving force behind the creation of the "FIVE PILLAR PROGRAM" (later "RISE Program"), an economic development initiative focused on reinvestment of public funds in the local economy. He holds a Bachelor of Science in Business Administration with a concentration in Accounting from San Francisco State University and is a graduate of Pacific Coast Banking School at the University of Washington.

    Heather Luck, Executive Vice President and Chief Financial Officer

    Ms. Luck has served as Executive Vice President and Chief Financial Officer since January 2025. She joined Five Star Bancorp in October 2018 as Vice President and Director of Finance, and later served as Senior Vice President and Chief Financial Officer from 2021 to 2025. Prior to joining Five Star Bancorp, Ms. Luck was a Senior Assistant Controller-Global Business Units and Mergers & Acquisitions at Oracle from March 2018 until September 2018, where she was responsible for overseeing the integration of general ledgers of newly acquired entities. Before Oracle, she was a Manager in Assurance Services for Ernst & Young, LLP from 2010 through 2017. Ms. Luck is a licensed Certified Public Accountant in California and earned a Bachelor of Science degree in Marketing from the University of Utah and a Master of Science degree in Accounting and Finance from the University of Maryland Global Campus. She is also a graduate of Pacific Coast Banking School at the University of Washington.

    Michael Lee, Senior Vice President and Chief Regulatory Officer

    Mr. Lee has served as Senior Vice President and Chief Regulatory Officer of Five Star Bancorp since 2010. He joined the Company in 2005 as Chief Financial Officer, and then transitioned to Chief Credit Officer in 2007, serving in that role until 2010. Before joining Five Star Bancorp, Mr. Lee served over 14 years with the FDIC (Federal Deposit Insurance Corporation) as a Supervisory Examiner. He holds a Bachelor's degree in Business Administration with a concentration in Economics from Midwestern State University in Texas and is a graduate with honors from the Pacific Coast Banking School at the University of Washington.

    Maria Ramirez, Executive Vice President and Chief Operating Officer

    Ms. Ramirez has served as Executive Vice President and Chief Operating Officer since January 2025. Prior to this role, she served as Senior Vice President and Chief Operations Officer and Chief DE&I Officer from 2021 to 2025, Senior Vice President and Director of Operations from 2018 to 2021, and Senior Vice President and Director of Branch Administration from 2017 to 2018. Ms. Ramirez has over 16 years of experience in senior level banking.

    David Kurtze, Executive Vice President and San Francisco Bay Area President

    Mr. Kurtze has served as Executive Vice President and San Francisco Bay Area President since January 2025. He previously held the title of Senior Vice President and San Francisco Bay Area President from 2023 to 2025. Before joining Five Star Bancorp, Mr. Kurtze was a Senior Vice President, Group Director at Signature Bank. He graduated from Fresno Pacific University with a Bachelor of Arts in Business Management.

    AI Analysis | Feedback

    Here are the key risks to Five Star Bancorp (symbol: FSBC):

    1. Concentration in Commercial Real Estate (CRE) Loans: Five Star Bancorp has a substantial concentration in commercial real estate loans, which represented 81.08% of its total loans as of December 31, 2025, with total real estate-related loans being 86.07% of the portfolio. As of the first quarter of 2024, the company's investor CRE concentration was approximately 574% of risk-based capital. This elevated exposure makes the bank particularly vulnerable to adverse developments in the commercial property market, such as rising interest rates, increasing vacancies, and falling property values, which have put pressure on California banks.
    2. Interest Rate Risk and Net Interest Margin Volatility: The company is identified as a "spread-reliant company," meaning a significant portion of its earnings comes from the difference between interest earned on loans and interest paid on deposits. Interest rate volatility presents a key risk, as fluctuations can directly impact net interest margins and deposit costs. While Five Star Bank has demonstrated effective management of these pressures, achieving a net interest margin of 3.53% in Q2 2025, continued shifts in interest rates could affect profitability. Rising interest rates can also lead to a decrease in the value of long-term assets and encourage depositors to seek higher-yielding alternatives.
    3. Geographic Concentration in Northern California and Regional Economic Sensitivity: Five Star Bancorp primarily operates through seven branch offices and two loan production offices in Northern California, with its deposit franchise largely concentrated in Sacramento. This geographic concentration exposes the bank to regional economic downturns or specific industry challenges within Northern California, such as those impacting the commercial real estate market or the technology sector. Any significant localized economic slowdown or adverse regulatory changes within this region could disproportionately affect the bank's loan portfolio quality, deposit base, and overall financial performance.

    AI Analysis | Feedback

    ```html

    Clear emerging threats for Five Star Bancorp (FSBC) include:

    • The rise of digital-only banks (neobanks) that operate with significantly lower overhead, offering more competitive rates and a streamlined mobile-first user experience. These disrupt the traditional branch-based banking model for deposits and some lending services, posing a direct threat to Five Star Bancorp's regional physical footprint and customer base.
    • Specialized fintech lenders that leverage advanced technology and data analytics to offer faster, more convenient, and often more tailored loan products (e.g., small business loans, specific real estate financing). This erodes market share from traditional banks like Five Star Bancorp in key lending categories by providing alternative and often more agile financing solutions.
    ```

    AI Analysis | Feedback

    Five Star Bancorp (symbol: FSBC) operates within the Northern California region, offering a range of banking products and services. While specific market sizes for Northern California for each product are not consistently available, the addressable markets for its main products and services can be estimated based on available data for California.

    • Deposits: The total deposits held at community bank branches in California amounted to approximately $314.75 billion as of December 2024. This figure represents the addressable market for deposits for community banks across California.
    • Real Estate Loans (Commercial and Residential): The Real Estate Loans & Collateralized Debt industry in California is projected to have a market size of $62.3 billion in 2026. This market size covers various real estate loan products, including commercial and residential real estate loans, as well as construction loans, across the state of California.
    • Commercial Loans: The total principal amount of commercial loans originated by finance lenders in California reached $214.2 billion in 2021. This represents a significant portion of the addressable market for commercial loans in California, encompassing general commercial, commercial land, and farmland loans.
    • Consumer Loans: Californians held approximately $30 billion in personal loan debt by late 2024. This figure indicates the addressable market for consumer loans, such as personal loans, within California.

    AI Analysis | Feedback

    Here are 3-5 expected drivers of future revenue growth for Five Star Bancorp (FSBC) over the next 2-3 years:
    1. Expansion into the San Francisco Bay Area Market: Five Star Bancorp has demonstrated a commitment to expanding its presence in the San Francisco Bay Area, evidenced by increased employee headcount in the region and the opening of new offices, including a full-service office in San Francisco's Financial District and a Walnut Creek branch in 2025. This strategic expansion is expected to fuel continued deposit and loan growth.
    2. Sustained Loan Growth: The company anticipates continued growth in its loan portfolio, with management projecting low double-digit loan growth for 2026 and beyond. This growth is broad-based, encompassing commercial and residential real estate loans, commercial loans, commercial land loans, farmland loans, commercial and residential construction loans, and consumer and other loans, with a strong emphasis on commercial real estate.
    3. Growth in Non-Wholesale Deposits: Five Star Bancorp is actively working to increase its deposit base, with a particular focus on growing less costly, non-wholesale deposits. The company projects deposit growth for 2024 and achieved significant increases in non-wholesale deposits in 2025, driven by successful customer acquisition strategies and a reduction in reliance on wholesale deposits. This growth in core deposits provides a stable funding source for lending activities.
    4. Net Interest Margin Expansion: Management expects continued improvement and expansion of its net interest margin (NIM), driven by factors such as new loan production at higher rates and a declining cost of deposits. Analysts also anticipate net interest margin upside to contribute to significant net interest income growth in the coming years.
    5. Expansion into New Business Lines: Five Star Bancorp has highlighted its expansion into new business sectors, notably the agribusiness sector. This diversification of services to new customer segments is expected to open additional avenues for revenue generation and broaden the company's market reach within Northern California.

    AI Analysis | Feedback

    Share Issuance

    • Five Star Bancorp completed its Initial Public Offering (IPO) in May 2021, transitioning from a Subchapter S corporation to a taxable C Corporation.
    • The number of shares outstanding increased, reaching 21,376,153 as of February 24, 2026, up from 21,319,083 at December 31, 2024, and 21,182,143 at December 31, 2025.

    Capital Expenditures

    • Net occupancy and equipment expense, which can include capital expenditures, increased from $5.15 million in 2022 to $6.23 million in 2023 and $7.64 million in 2024.
    • The company expanded its physical presence by opening a Walnut Creek branch in 2025, contributing to its operational growth.
    • Non-interest expense increased by $10.5 million for the full year 2025, primarily driven by higher salaries and benefits due to an increase in headcount, which can be associated with expansion-related capital outlays.

    Peer Outperformance in Regional Banks

    FSBC has outperformed 87% of its 264 Regional Banks peers over 5Y. Regional Banks ranks 6th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that FSBC has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    85%
    of 287 industry peers · 44.8% return
    3Y
    88%
    of 276 industry peers · 140.9% return
    5Y
    87%
    of 264 industry peers · 128.6% return
    No Regional Banks peer with a comparable growth profile has beaten FSBC by more than 20pp over 5Y.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is FSBC's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Investment Banking & Brokerage 13 4.4%109.9%135.9% IBKR 511% · SNEX 266% · GS 188%
    Reinsurance 6 18.8%73.7%132.8% SPNT 164% · RGA 143% · RNR 133%
    Diversified Banks 12 37.8%127.6%118.3% JPM 157% · CM 153% · RY 143%
    Life & Health Insurance 20 8.2%54.2%103.2% JXN 569% · UNM 321% · FG 203%
    Multi-Sector Holdings 4 3.5%53.9%82.7% JONE 361% · BRK-B 84% · VOYA 81%
    Regional Banks ← 265 26.8%84.7%68.7% GCBC 366% · ESQ 361% · VBNK 332%
    Property & Casualty Insurance 42 9.4%68.6%68.2% ASIC 2746900% · HRTG 471% · UVE 308%
    Multi-line Insurance 9 8.9%78.7%64.5% GNW 193% · L 108% · SLF 91%
    Consumer Finance 30 5.7%87.6%33.8% ENVA 603% · EZPW 379% · FCFS 180%
    Financial Exchanges & Data 15 -6.5%11.8%30.5% VIRT 201% · CBOE 142% · CME 80%
    Diversified Financial Services 4 0.9%14.0%24.1% FRHC 174% · EQH 106% · TMS -58%
    Insurance Brokers 16 -17.9%-3.8%20.4% LIFE 347% · ARX 89% · AJG 75%
    Asset Management & Custody Banks 83 -10.8%13.7%14.4% WT 340% · SII 291% · VCTR 280%
    Commercial & Residential Mortgage Finance 12 -48.2%28.3%2.8% FNMA 488% · FMCC 458% · ESNT 70%
    Specialized Finance 3 27.4%39.8%-0.4% EFC 30% · CACC 0% · HASI -13%
    Mortgage REITs 33 -13.2%8.4%-15.4% NREF 55% · RITM 48% · DX 37%
    Transaction & Payment Processing Services 15 2.2%-8.7%-41.9% V 73% · MA 70% · CPAY 60%
    Diversified Capital Markets 21 -33.6%2.7%-43.9% OPY 215% · LPLA 153% · GOLD 103%
    Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

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    Financials

    FSBCNEWTATLOFITBMTBHBANMedian
    NameFive Sta.NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
    Mkt Price46.4112.2232.4954.72239.8316.8639.45
    Mkt Cap1.00.30.349.935.034.117.5
    Rev LTM1772777310,4909,8239,6834,980
    Op Inc LTM-------
    FCF LTM80-740212,8963,5952,6831,382
    FCF 3Y Avg59-373173,3423,4942,3831,221
    CFO LTM82-739223,6653,8043,0621,572
    CFO 3Y Avg60-373193,9123,7042,6211,340

    Growth & Margins

    FSBCNEWTATLOFITBMTBHBANMedian
    NameFive Sta.NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
    Rev Chg LTM26.8%7.8%21.3%23.8%4.7%26.1%22.6%
    Rev Chg 3Y Avg14.7%26.8%8.1%7.4%0.9%9.1%8.6%
    Rev Chg Q25.7%7.0%18.5%45.3%4.1%46.4%22.1%
    QoQ Delta Rev Chg LTM5.8%1.7%4.3%10.6%1.0%10.2%5.1%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM46.4%-267.4%30.3%34.9%38.7%31.6%33.3%
    CFO/Rev 3Y Avg40.5%-138.6%30.2%43.8%39.2%32.1%35.7%
    FCF/Rev LTM45.6%-267.5%28.9%27.6%36.6%27.7%28.3%
    FCF/Rev 3Y Avg39.9%-138.7%27.9%37.6%37.0%29.3%33.2%

    Valuation

    FSBCNEWTATLOFITBMTBHBANMedian
    NameFive Sta.NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
    Mkt Cap1.00.30.349.935.034.117.5
    P/S5.61.34.04.83.63.53.8
    P/Op Inc-------
    P/EBIT-------
    P/E13.75.312.521.311.514.213.1
    P/CFO12.0-0.513.113.69.211.111.6
    Total Yield9.2%27.6%10.7%7.3%11.3%10.0%10.4%
    Dividend Yield1.9%8.8%2.7%2.6%2.6%3.0%2.7%
    FCF Yield 3Y Avg8.3%-103.1%8.9%10.9%11.8%9.5%9.2%
    D/E0.11.60.10.40.50.60.5
    Net D/E-0.70.5-1.7-0.9-0.70.0-0.7

    Returns

    FSBCNEWTATLOFITBMTBHBANMedian
    NameFive Sta.NewtekOneAmes Nat.Fifth Th.M&T Bank Huntingt. 
    1M Rtn-0.7%-6.1%3.6%-5.8%-5.0%-5.9%-5.4%
    3M Rtn4.2%-11.5%7.7%0.7%4.1%-2.9%2.4%
    6M Rtn28.7%6.9%23.9%28.1%23.8%13.0%23.9%
    12M Rtn44.8%12.9%64.0%24.2%24.1%-1.6%24.1%
    3Y Rtn140.9%-12.0%108.5%122.6%104.1%76.4%106.3%
    1M Excs Rtn-0.5%-3.4%4.6%-4.5%-3.6%-4.4%-3.5%
    3M Excs Rtn1.2%-13.1%5.2%-0.4%2.4%-4.7%0.4%
    6M Excs Rtn12.9%-7.4%9.2%12.8%7.9%-3.7%8.5%
    12M Excs Rtn27.7%-4.7%48.5%7.1%7.3%-18.2%7.2%
    3Y Excs Rtn63.8%-85.2%36.0%58.9%44.6%4.0%40.3%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/6/20265/7/20262/27/202611/6/20258/7/20255/8/20252/28/202511/7/20248/6/20245/8/20242/23/202411/8/2023
    Key Financials Quarterly            
    Total Revenue484543413835353130282829
    Net Income191918161513131111111111
    EPS0.910.870.830.770.680.620.630.520.510.620.630.64
    Key Financials TTM            
    Total Revenue TTM177167157149139132125118116115117119
    Net Income TTM726762575248464343454850
    Growth Rates Quarterly            
    Total Revenue Growth25.7%28.1%23.7%30.3%24.8%23.8%22.9%10.4%1.0%-6.6%-6.7%-0.6%
    Net Income Growth33.7%42.0%32.5%49.4%34.6%23.3%23.3%-0.9%-15.3%-19.2%-18.7%-5.6%
    Margins Quarterly            
    Net Income Margin40.7%41.5%40.9%39.9%38.3%37.4%38.2%34.8%35.5%37.6%38.1%38.7%
    Cash & Debt            
    Total Cash756647565640543554418359298296436435
    Total Debt858686848281818181201249169
    Net Debt / (Cash)-671-561-479-555-462-473-337-278-217-95-186-266
    Cash Flows Quarterly            
    FCF from Operations2419211918151818160-215
    Cash Flows TTM            
    FCF from Operations TTM827673706967523230383959
    Returns to Shareholders Quarterly            
    Dividends554444444333
    Share Repurchases-0-0-0-0-0-0-0-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC-------306.7%59.1%37.5%191.4%-
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM-------302.4%59.3%39.9%211.5%-

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Banking15712511710984
    Total15712511710984


    Price Behavior

    Price Behavior
    Market Price$46.41 
    Market Cap ($ Bil)1.0 
    First Trading Date01/17/2012 
    Distance from 52W High-6.1% 
       50 Days200 Days
    DMA Price$46.88$41.11
    DMA Trendupup
    Distance from DMA-1.0%12.9%
     3M1YR
    Volatility19.8%24.5%
    Downside Capture-0.4428.18
    Upside Capture20.0766.20
    Correlation (SPY)0.1%28.5%
    FSBC Betas & Captures as of 8/31/2026

     1M2M3M6M1Y3Y
    Beta-0.120.330.070.430.540.80
    Up Beta0.160.03-0.400.310.670.72
    Down Beta0.260.570.120.310.580.77
    Up Capture-43%7%39%58%55%83%
    Bmk +ve Days10213268138427
    Stock +ve Days8163262122376
    Down Capture-12%83%0%41%37%93%
    Bmk -ve Days11213259113324
    Stock -ve Days13263265129364

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FSBC
    FSBC45.1%24.3%1.47-
    Sector ETF (XLF)9.0%14.6%0.3747.9%
    Equity (SPY)18.3%12.8%1.0328.2%
    Gold (GLD)19.0%29.2%0.59-6.1%
    Commodities (DBC)48.3%20.6%1.80-28.6%
    Real Estate (VNQ)7.6%13.6%0.2929.4%
    Bitcoin (BTCUSD)-32.4%43.8%-0.774.2%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FSBC
    FSBC17.8%31.3%0.56-
    Sector ETF (XLF)10.2%18.4%0.4251.3%
    Equity (SPY)12.5%17.2%0.5541.4%
    Gold (GLD)18.7%18.8%0.81-1.1%
    Commodities (DBC)11.4%19.5%0.46-0.3%
    Real Estate (VNQ)0.7%18.9%-0.0738.2%
    Bitcoin (BTCUSD)9.4%52.6%0.3615.4%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with FSBC
    FSBC13.6%29.1%0.63-
    Sector ETF (XLF)13.2%22.1%0.5439.7%
    Equity (SPY)15.2%17.9%0.7234.6%
    Gold (GLD)12.3%16.3%0.62-0.4%
    Commodities (DBC)8.7%18.1%0.391.6%
    Real Estate (VNQ)4.7%20.7%0.1933.1%
    Bitcoin (BTCUSD)63.2%66.2%1.039.5%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date8312026
    Short Interest: Shares Quantity0.8 Mil
    Short Interest: % Change Since 8152026-9.5%
    Average Daily Volume0.2 Mil
    Days-to-Cover Short Interest4.6 days
    Basic Shares Quantity21.3 Mil
    Short % of Basic Shares3.6%

    Returns Analyses

    Earnings Returns History

    Updated 8/24/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/22/2026-2.1%-2.0%-6.4%
    4/28/20260.4%1.9%5.4%
    1/27/2026-0.4%5.9%4.3%
    10/28/2025-2.8%-6.3%-4.9%
    7/24/20253.0%1.4%10.7%
    4/29/2025-0.1%0.9%0.9%
    1/28/20250.6%-0.9%-0.1%
    10/29/20243.9%1.0%10.9%
    ...
    SUMMARY STATS   
    # Positive131612
    # Negative859
    Median Positive2.6%2.9%4.9%
    Median Negative-2.2%-4.7%-2.8%
    Max Positive5.5%7.9%18.6%
    Max Negative-5.2%-9.1%-6.9%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/22/2026-2.1%-2.0%-6.4%
    4/28/20260.4%1.9%5.4%
    1/27/2026-0.4%5.9%4.3%
    10/28/2025-2.8%-6.3%-4.9%
    7/24/20253.0%1.4%10.7%
    4/29/2025-0.1%0.9%0.9%
    1/28/20250.6%-0.9%-0.1%
    10/29/20243.9%1.0%10.9%
    7/25/20243.1%3.6%0.5%
    4/30/20240.8%2.4%5.8%
    1/30/2024-4.4%-9.1%-4.0%
    10/31/2023-2.4%6.2%18.6%
    7/25/20233.0%1.1%-6.9%
    4/25/2023-0.3%3.2%-0.4%
    1/31/20234.5%7.9%3.1%
    10/25/20220.3%3.6%0.9%
    7/26/20222.6%0.2%-2.8%
    4/26/2022-5.2%-4.7%-2.2%
    1/31/20225.5%4.1%0.3%
    10/26/20211.1%7.4%16.5%
    7/27/20212.4%2.6%-1.1%
    SUMMARY STATS   
    # Positive131612
    # Negative859
    Median Positive2.6%2.9%4.9%
    Median Negative-2.2%-4.7%-2.8%
    Max Positive5.5%7.9%18.6%
    Max Negative-5.2%-9.1%-6.9%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/06/202610-Q
    03/31/202605/07/202610-Q
    12/31/202502/27/202610-K
    09/30/202511/06/202510-Q
    06/30/202508/07/202510-Q
    03/31/202505/08/202510-Q
    12/31/202402/28/202510-K
    09/30/202411/07/202410-Q
    06/30/202408/06/202410-Q
    03/31/202405/08/202410-Q
    12/31/202302/23/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/09/202310-Q
    03/31/202305/10/202310-Q
    12/31/202202/24/202310-K
    09/30/202211/14/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/06/202610-Q
    03/31/202605/07/202610-Q
    12/31/202502/27/202610-K
    09/30/202511/06/202510-Q
    06/30/202508/07/202510-Q
    03/31/202505/08/202510-Q
    12/31/202402/28/202510-K
    09/30/202411/07/202410-Q
    06/30/202408/06/202410-Q
    03/31/202405/08/202410-Q
    12/31/202302/23/202410-K
    09/30/202311/08/202310-Q
    06/30/202308/09/202310-Q
    03/31/202305/10/202310-Q
    12/31/202202/24/202310-K
    09/30/202211/14/202210-Q
    06/30/202208/11/202210-Q
    03/31/202205/12/202210-Q
    12/31/202102/25/202210-K
    09/30/202111/10/202110-Q
    06/30/202108/13/202110-Q
    03/31/202106/17/202110-Q
    12/31/202005/06/2021424B4

    Recent Forward Guidance

    Updated 7/27/2026

    Latest: Q2 2026 Earnings Reported 7/22/2026

    Forward GuidanceGuidance Change
    MetricSourceLowMidHigh% Chg% DeltaChangePrior
    Q3 2026 DividendsReported 0.25 0 Same NewActual: 0.25 for Q2 2026

    null

    Insider Activity

    Updated 8/6/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Allbaugh, Larry Eugene self as TrusteeBuy724202644.005,682250,00822,325,644Form
    2Allbaugh, Larry Eugene OAT TrusteeBuy724202644.0090,9093,999,99648,474,228Form
    3Perry-Smith, Robert Truxtun self as trusteeBuy724202644.0031,3631,379,97211,391,512Form
    4Deary-Bell, Shannon self as trusteeBuy724202644.005,682250,0083,750,736Form
    5Lucas, Donna self as trusteeBuy724202644.001,13649,984627,176Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Allbaugh, Larry Eugene self as TrusteeBuy724202644.005,682250,00822,325,644Form
    2Allbaugh, Larry Eugene OAT TrusteeBuy724202644.0090,9093,999,99648,474,228Form
    3Perry-Smith, Robert Truxtun self as trusteeBuy724202644.0031,3631,379,97211,391,512Form
    4Deary-Bell, Shannon self as trusteeBuy724202644.005,682250,0083,750,736Form
    5Lucas, Donna self as trusteeBuy724202644.001,13649,984627,176Form
    6Riggs, Judson Teichert self as trusteeBuy724202644.002,273100,0123,851,364Form
    7Ramos, Kevin Francis self as trusteeBuy724202644.005,682250,0087,812,024Form
    8Wait, Brett LeviSVP, Chief Information OfficerDirectSell527202642.271,64069,323713,222Form
    9Lee, Michael EugeneSVP, Chief Regulatory Officerself as trusteeSell526202641.2386735,7461,350,860Form
    10Beckwith, James EugenePresident & CEOself as trusteeSell522202641.236,428265,05419,239,306Form
    11Wait, Brett LeviSVP & CIODirectSell515202641.112,583106,179723,807Form
    12Ramirez-Medina, Lydia AnnEVP & Chief Operating OfficerDirectSell507202640.9940016,396449,250Form
    13Beckwith, James EugenePresident & CEOself as trusteeSell311202636.664,000146,62017,338,328Form
    14Lee, Michael EugeneSVP & Chief Regulatory Officerself as trusteeSell223202639.301,20047,1601,386,193Form
    15Lee, Michael EugeneSVP & Chief Regulatory Officerself as trusteeSell219202640.731,20048,8821,485,687Form
    16Rizzo, Michael AnthonyEVP & Chief Banking OfficerSee footnoteSell1215202537.28641  Form
    17Ramirez-Medina, Lydia AnnEVP & Chief Operating OfficerDirectSell1120202533.0760019,842375,675Form
    18Ramirez-Medina, Lydia AnnEVP & Chief Operating OfficerDirectSell818202530.9482525,529370,088Form

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