Five Star Bancorp
General ticker "FSBC" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $745.8M (TTM average)
Five Star Bancorp follows the US Stock Market performance with the rate: 60.2%.
Estimated limits based on current volatility of 1.5%: low 47.79$, high 49.25$
Factors to consider:
- Earnings expected soon, date: 2026-07-22 amc
- Company pays dividends (quarterly): last record date 2026-05-04, amount 0.25$ (Y2.05%)
- Total employees count: 238 (+13.3%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Market competition, Liquidity and credit risks, Regulatory and compliance, Cybersecurity threats
- Current price 13.0% above estimated high
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [32.44$, 43.21$]
- 2026-12-31 to 2027-12-31 estimated range: [32.16$, 43.67$]
Financial Metrics affecting the FSBC estimates:
- Positive: with PPE of 12.7 at the end of fiscal year the price was low
- Positive: 6.62 < Operating cash flow per share per price, % of 9.31
- Positive: Operating profit margin, % of 32.78 > 18.40
- Positive: Industry operating cash flow per share per price (median), % of 10.73 > 10.32
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: Shareholder equity ratio, % of 9.38 <= 19.19
- Positive: Industry earnings per price (median), % of 7.28 > 4.44
Short-term FSBC quotes
Long-term FSBC plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $117.42MM | $212.20MM | $255.47MM |
| Operating Expenses | $50.80MM | $147.48MM | $171.74MM |
| Operating Income | $66.62MM | $64.72MM | $83.73MM |
| Interest Expense | $63.50MM | $87.24MM | $97.03MM |
| Income(Loss) | $66.62MM | $64.72MM | $83.73MM |
| Taxes | $18.88MM | $19.05MM | $22.13MM |
| Net Income(Loss)* | $47.73MM | $45.67MM | $61.61MM |
| Stockholders Equity | $285.77MM | $396.62MM | $445.83MM |
| Assets | $3,593.12MM | $4,053.28MM | $4,754.86MM |
| Operating Cash Flow | $38.91MM | $51.79MM | $72.61MM |
| Capital expenditure | $0.65MM | $0.63MM | $1.20MM |
| Investing Cash Flow | $-279.28MM | $-446.74MM | $-544.11MM |
| Financing Cash Flow | $301.95MM | $425.73MM | $626.00MM |
| Earnings Per Share** | $2.78 | $2.27 | $2.90 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.