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    Five Star Bancorp (FSBC)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $43.13
    +0.62 (+1.46%)

    Market Cap: $1.04B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    87%(20/23)
    Avg Surprise
    +4.37%
    Streak
    7 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.85
    Range$0.83 - $0.89
    5 analysts
    EPS RevisionsNo revisions (7d)
    0
    4
    30d
    EPS Estimate DriftChange to current
    90d ago$0.91-5.7%
    60d ago$0.86-0.2%
    30d ago$0.86-0.2%
    7d ago$0.850.0%
    Current$0.85
    Revenue Consensus
    $51M
    Range$50M - $52M
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.99
    Range$0.87 - $1.09
    5 analysts
    Revenue Consensus
    $54M
    Range$52M - $55M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.99---
    Sep 26EST
    		-$0.85---
    Jun 26
    Reported Jul 22
    		$0.91$0.87+4.60%Beat+33.8%
    Mar 26
    Reported Apr 27
    		$0.87$0.79+10.13%Beat+40.3%
    Dec 25
    Reported Jan 26
    		$0.83$0.76+9.21%Beat+31.7%
    Sep 25
    Reported Oct 27
    		$0.77$0.71+8.45%Beat+48.1%
    Jun 25
    Reported Jul 23
    		$0.68$0.64+6.25%Beat+33.3%
    Mar 25
    Reported Apr 28
    		$0.62$0.59+5.08%Beat+0.0%
    Dec 24
    Reported Jan 27
    		$0.63$0.56+12.50%Beat+0.0%
    Sep 24
    Reported Oct 28
    		$0.52$0.53-1.89%Miss-18.8%
    Jun 24
    Reported Jul 24
    		$0.51$0.49+4.08%Beat-31.1%
    Mar 24
    Reported Apr 29
    		$0.62$0.53+16.98%Beat-19.5%
    Dec 23
    Reported Jan 29
    		$0.63$0.59+6.78%Beat-18.2%
    Sep 23
    Reported Oct 30
    		$0.64$0.60+6.67%Beat-5.9%
    Jun 23
    Reported Jul 24
    		$0.74$0.66+12.12%Beat+27.6%
    Mar 23
    Reported Apr 24
    		$0.77$0.69+11.59%Beat+32.8%
    Dec 22
    Reported Jan 30
    		$0.77$0.71+8.45%Beat+16.7%
    Sep 22
    Reported Oct 24
    		$0.68$0.65+4.62%Beat+6.3%
    Jun 22
    Reported Jul 25
    		$0.58$0.54+7.41%Beat-13.4%
    Mar 22
    Reported Apr 25
    		$0.58$0.53+9.43%Beat+123.1%
    Dec 21
    Reported Jan 31
    		$0.66$0.54+22.22%Beat+153.8%
    Sep 21
    Reported Oct 25
    		$0.64$0.47+36.17%Beat-11.1%
    Jun 21
    Reported Jul 26
    		$0.67$0.52+28.85%Beat-
    Mar 21
    Reported Jun 17
    		$0.26N/A-66.38%Miss-
    Dec 20
    Reported Mar 3
    		$0.26N/A-62.86%Miss-
    Dec 19
    Reported Mar 30
    		$0.72N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield2.32%
    Forward Annual Dividend$1.00
    Payout Ratio39.19%
    FrequencyQuarterly
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+10.06%
    FSBC dividend history and ex-dividend datesRun FSBC in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio12.76EV/EBITDA10.65x
    Price/FCF13.15xFCF Yield7.61%
    Profitability
    Profit Margin43.00%Operating Margin58.40%
    ROE16.20%ROIC13.14%
    Financial Health
    Debt/Equity0.16xInterest Coverage0.96x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.54Avg Volume200.42K
    52-Week High$49.9952-Week Low$30.88

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$42.91
    SMA 20$43.19
    SMA 50$44.86
    SMA 200$42.06
    EMA 10$42.91
    EMA 20$43.36
    EMA 50$44.36
    EMA 200$41.86

    MACD

    Line: -0.66Signal: -0.73Hist: 0.07

    ADX

    ADX: 32.2+DI: 17.8-DI: 27.8

    Aroon & PSAR

    Aroon Up8.0
    Aroon Down60.0
    PSAR$41.97

    Bollinger Bands

    Upper Band$44.53
    Lower Band$41.85
    %B Position620%(Upper)
    Band Width0.48

    RSI (14-Day)

    Neutral
    44.4

    Momentum Oscillators

    Stoch %K47.6
    Stoch %D41.8
    Williams %R-37.0
    ROC (10d)0.5%
    Momentum0.21
    CCI (20d)-20.9
    MFI (14d)39.9

    Volatility Measures

    ATR (14d)$0.88(2.0%)
    StdDev (20d)0.67
    Hist Vol17.9%(Low)

    Volume Flow

    VWAP$43.07
    OBV-2.6M
    AD Line-29.6M
    CMF (20d)-0.292

    Volume Metrics

    Avg Vol (20d)196.5K
    Vol Ratio0.7x
    VWMA (20d)$43.40

    Pivot Points

    R3$43.73
    R2$43.27
    R1$42.89
    Pivot Point$42.43
    S1$42.05
    S2$41.59
    S3$41.21

    Advanced Oscillators

    TSI-24.33
    Ultimate Osc41.9
    KST-54.34

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$47.95M$45.10M$43.47M$41.31M$38.33M$35.34M$35.16M$31.77M$30.66M$28.58M$28.61M$28.86M
    Cost of RevenueN/A$26.57M$27.16M$28.00M$26.57M$25.01M$25.56M$25.03M$21.91M$21.70M$20.30M$18.67M
    Gross ProfitN/A$43.17M$40.66M$38.50M$35.40M$33.12M$33.53M$28.73M$28.37M$27.38M$27.55M$27.46M
    Operating Expenses$19.62M$17.39M$17.66M$16.58M$15.73M$15.04M$14.49M$13.78M$13.51M$12.72M$12.66M$12.02M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$25.03M$23.01M$22.23M$20.10M$18.39M$19.37M$15.24M$15.15M$14.96M$15.15M$15.79M
    Interest Income$72.33M$67.35M$66.42M$64.84M$60.58M$57.09M$57.74M$52.67M$49.00M$47.54M$46.18M$45.10M
    Interest Expense$26.24M$23.89M$24.36M$25.50M$24.07M$23.11M$24.26M$22.28M$19.91M$20.80M$19.50M$17.62M
    Income Before Tax$26.09M$25.03M$23.01M$22.23M$20.10M$18.39M$19.37M$15.24M$15.15M$14.96M$15.15M$15.79M
    Income Tax Expense$6.69M$6.41M$5.37M$5.89M$5.59M$5.28M$6.05M$4.30M$4.37M$4.33M$4.35M$4.75M
    Net Income$19.40M$18.62M$17.64M$16.34M$14.51M$13.11M$13.32M$10.94M$10.78M$10.63M$10.80M$11.04M
    EBITDA$27.44M$26.63M$25.86M$22.09M$21.39M$19.51M$20.70M$16.09M$16.02M$15.59M$16.12M$16.36M
    EBIT$26.09M$25.03M$23.01M$22.23M$20.10M$18.39M$19.37M$15.24M$15.15M$14.96M$15.15M$15.79M
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

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    FSBC Valuation and Fair Value

    P/E
    12.8x
    EV/EBITDA
    10.6x
    P/FCF
    13.1x
    P/B
    2.2x
    See GNG's fair value

    FSBC Profitability: Margins, ROIC and FCF

    Operating margin
    58.4%
    Net margin
    43.0%
    ROIC
    13.1%
    ROE
    16.2%
    FCF margin
    45.3%
    FCF yield
    7.6%

    FSBC Competitors

    CompanyTicker
    Metropolitan Bank HoldingMCB
    International General Insurance Holdings LtdIGIC
    Northeast BancorpNBN
    BlackRock Technology and Private Equity Term TrustBTX
    Heritage Insurance Hldgs IncHRTG
    Oaktree Specialty Lending CorpOCSL
    Morgan Stanley Direct Lending FundMSDL
    MidWestOne Financial Group IncMOFG

    Sector: Financial Services

    FSBC Analyst Ratings

    Consensus
    Buy
    Analysts
    5
    Strong Buy
    1
    Buy
    2
    Hold
    2
    Sell
    0
    Strong Sell
    0

    FSBC Bull Case vs Bear Case

    Bull case

    • FSBC converts 45.3% of revenue into free cash flow.
    • FSBC has a 43.0% net profit margin.
    • FSBC beat EPS estimates in 87.5% of its last 8 reported quarters.

    FSBC Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    6.8%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.85
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 4 down

    FSBC Dividend

    Forward yield
    2.3%
    Payout ratio
    39.2%
    3Y DPS growth
    10.1%
    Pay months
    Feb, May, Aug, Nov
    FSBC dividend history

    Frequently Asked Questions About FSBC

    What is FSBC's current dividend yield?

    Five Star Bancorp (FSBC) has a forward dividend yield of 2.32%.

    Does FSBC pay dividends?

    Yes, Five Star Bancorp pays dividends with a forward dividend yield of 2.32%.

    What is FSBC's P/E ratio?

    Five Star Bancorp has a price-to-earnings (P/E) ratio of 12.76.

    What is FSBC's market cap?

    Five Star Bancorp (FSBC) has a market capitalization of $1.04B with a current stock price of $43.13.

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