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Financial Services - Banks - Regional - NASDAQ - US
$ 32.8
-0.786 %
$ 699 M
Market Cap
14.51
P/E
1. INTRINSIC VALUE

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. The company accepts various deposits, such as money market, noninterest-bearing and interest checking accounts, savings accounts, and time deposits. Its loan products include commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans. The company also offers debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. It operates through seven branch offices and two loan production offices in Northern California.[ Read More ]

The intrinsic value of one FSBC stock under the base case scenario is HIDDEN Compared to the current market price of 32.8 USD, Five Star Bancorp is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart FSBC

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FINANCIALS
7.51 M REVENUE
-93.11%
76.1 M OPERATING INCOME
-2.09%
47.7 M NET INCOME
6.55%
38.9 M OPERATING CASH FLOW
-15.36%
-279 M INVESTING CASH FLOW
66.63%
302 M FINANCING CASH FLOW
-51.74%
52.7 M REVENUE
4.14%
50.3 M OPERATING INCOME
223.90%
10.9 M NET INCOME
1.47%
17.5 M OPERATING CASH FLOW
190.85%
3.35 B INVESTING CASH FLOW
2314.55%
246 M FINANCING CASH FLOW
63.55%
Balance Sheet Decomposition Five Star Bancorp
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Current Assets 322 M
Cash & Short-Term Investments 221 M
Receivables 0
Other Current Assets 101 M
Non-Current Assets 3.26 B
Long-Term Investments 327 M
PP&E 6.91 M
Other Non-Current Assets 2.92 B
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 3.31 B
Long-Term Debt 78.1 M
Other Non-Current Liabilities 3.23 B
EFFICIENCY
Earnings Waterfall Five Star Bancorp
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Revenue 7.51 M
Cost Of Revenue 6.72 M
Gross Profit 793 K
Operating Expenses 2.4 M
Operating Income 76.1 M
Other Expenses 28.3 M
Net Income 47.7 M
RATIOS
10.56% GROSS MARGIN
10.56%
1012.95% OPERATING MARGIN
1012.95%
635.52% NET MARGIN
635.52%
16.70% ROE
16.70%
1.33% ROA
1.33%
15.16% ROIC
15.16%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Five Star Bancorp
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Net Income 47.7 M
Depreciation & Amortization 1.61 M
Capital Expenditures -653 K
Stock-Based Compensation 962 K
Change in Working Capital -1.52 M
Others -10.5 M
Free Cash Flow 38.3 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Five Star Bancorp
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Wall Street analysts predict an average 1-year price target for FSBC of $33.7 , with forecasts ranging from a low of $32 to a high of $35 .
FSBC Lowest Price Target Wall Street Target
32 USD -2.44%
FSBC Average Price Target Wall Street Target
33.7 USD 2.64%
FSBC Highest Price Target Wall Street Target
35 USD 6.71%
4. DIVIDEND ANALYSIS
0.68% DIVIDEND YIELD
0.2 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Five Star Bancorp
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Sold
0-3 MONTHS
128 K USD 3
3-6 MONTHS
557 K USD 3
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
5.5 M USD 6
6-9 MONTHS
76.8 K USD 1
9-12 MONTHS
Date Value Insider Amount Avg Price
2 weeks ago
Oct 31, 2024
Sell 46 K USD
Lee Michael Eugene
SVP & Chief Regulatory Officer
- 1500
30.6722 USD
2 months ago
Sep 05, 2024
Sell 14.3 K USD
Ramirez-Medina Lydia Ann
SVP & COO & Chief DE&I Officer
- 500
28.62 USD
2 months ago
Aug 29, 2024
Sell 68.2 K USD
Perry-Smith Robert Truxtun
Director
- 2310
29.51 USD
3 months ago
Aug 14, 2024
Sell 89.5 K USD
Beckwith James Eugene
President & CEO
- 3325
26.9286 USD
3 months ago
Aug 15, 2024
Sell 365 K USD
Beckwith James Eugene
President & CEO
- 13539
26.9571 USD
3 months ago
Jul 29, 2024
Sell 14.8 K USD
Ramirez-Medina Lydia Ann
SVP & COO & Chief DE&I Officer
- 500
29.52 USD
3 months ago
Jul 29, 2024
Sell 87.3 K USD
Lee Michael Eugene
SVP & Chief Regulatory Officer
- 3000
29.0893 USD
7 months ago
Mar 28, 2024
Bought 1.75 M USD
Perry-Smith Robert Truxtun
Director
+ 80460
21.75 USD
7 months ago
Mar 28, 2024
Bought 2.5 M USD
Allbaugh Larry Eugene
director, 10 percent owner:
+ 114943
21.75 USD
7 months ago
Mar 28, 2024
Bought 500 K USD
Allbaugh Larry Eugene
director, 10 percent owner:
+ 22988
21.75 USD
7 months ago
Mar 28, 2024
Bought 300 K USD
Ramos Kevin Francis
Director
+ 13793
21.75 USD
7 months ago
Mar 28, 2024
Bought 100 K USD
Riggs Judson Teichert
Director
+ 4598
21.75 USD
7 months ago
Mar 28, 2024
Bought 300 K USD
Deary-Bell Shannon
Director
+ 13793
21.75 USD
7 months ago
Mar 28, 2024
Bought 50 K USD
Lucas Donna
Director
+ 2298
21.75 USD
9 months ago
Feb 07, 2024
Bought 68 K USD
Perry-Smith Robert Truxtun
Director
+ 3100
21.95 USD
9 months ago
Feb 06, 2024
Bought 8.77 K USD
Perry-Smith Robert Truxtun
Director
+ 400
21.92 USD
1 year ago
Mar 09, 2023
Bought 2.39 K USD
Perry-Smith Robert Truxtun
Director
+ 94
25.38 USD
2 years ago
Mar 04, 2022
Bought 21.7 K USD
Perry-Smith Robert Truxtun
Director
+ 740
29.3665 USD
1 year ago
Nov 02, 2023
Bought 33.7 K USD
Wait Brett Levi
SVP & CIO
+ 1750
19.25 USD
1 year ago
Oct 25, 2023
Bought 101 K USD
Lucchetti David John
Director
+ 5405
18.69 USD
1 year ago
May 17, 2023
Bought 183 K USD
Ramos Kevin Francis
Director
+ 10000
18.34 USD
1 year ago
May 16, 2023
Bought 183 K USD
Allbaugh Larry Eugene
director, 10 percent owner:
+ 10000
18.34 USD
1 year ago
May 15, 2023
Bought 183 K USD
Allbaugh Larry Eugene
director, 10 percent owner:
+ 10000
18.33 USD
1 year ago
May 15, 2023
Bought 42 K USD
Allbaugh Larry Eugene
director, 10 percent owner:
+ 2308
18.19 USD
1 year ago
May 02, 2023
Bought 51.4 K USD
Perry-Smith Robert Truxtun
Director
+ 2500
20.55 USD
1 year ago
May 02, 2023
Bought 53.3 K USD
White Leigh Ann
Director
+ 2500
21.33 USD
1 year ago
Apr 27, 2023
Bought 52.4 K USD
Perry-Smith Robert Truxtun
Director
+ 2500
20.97 USD
1 year ago
Apr 28, 2023
Bought 47.2 K USD
Wetton Shelley Ronan
SVP & Chief Marketing Officer
+ 2280
20.72 USD
1 year ago
Apr 27, 2023
Bought 10.6 K USD
Lucas Donna
Director
+ 500
21.11 USD
1 year ago
Apr 27, 2023
Bought 102 K USD
Luck Heather Christina
SVP & Chief Financial Officer
+ 5000
20.31 USD
1 year ago
Apr 27, 2023
Bought 6.6 K USD
Rizzo Michael Anthony
SVP & Chief Banking Officer
+ 318
20.76 USD
1 year ago
Apr 27, 2023
Bought 19.9 K USD
Lee Michael Eugene
SVP & Chief Regulatory Officer
+ 1000
19.91 USD
1 year ago
Apr 27, 2023
Bought 24.9 K USD
Wait Brett Levi
SVP & CIO
+ 1250
19.91 USD
1 year ago
Mar 10, 2023
Bought 47.5 K USD
Perry-Smith Robert Truxtun
Director
+ 1906
24.94 USD
1 year ago
Feb 03, 2023
Sell 14.1 K USD
Ramirez-Medina Lydia Ann
SVP & COO & Chief DE&I Officer
- 500
28.23 USD
2 years ago
Aug 08, 2022
Bought 2.43 K USD
Perry-Smith Robert Truxtun
director:
+ 100
24.27 USD
2 years ago
Jun 13, 2022
Bought 49.6 USD
Allbaugh Larry Eugene
director:
+ 2
24.78 USD
2 years ago
Jun 01, 2022
Bought 99.4 K USD
Deary-Bell Shannon
director:
+ 3900
25.5 USD
2 years ago
May 19, 2022
Bought 25.2 K USD
Lucas Donna
director:
+ 1000
25.15 USD
2 years ago
May 16, 2022
Bought 21.7 K USD
Allbaugh Larry Eugene
director:
+ 877
24.78 USD
2 years ago
May 12, 2022
Bought 54 K USD
Perry-Smith Robert Truxtun
director:
+ 2101
25.69 USD
2 years ago
May 05, 2022
Bought 49.9 K USD
Deary-Bell Shannon
director:
+ 1955
25.54 USD
2 years ago
Mar 11, 2022
Sell 28.5 K USD
Beckwith James Eugene
President & CEO
- 1000
28.48 USD
2 years ago
Mar 04, 2022
Bought 2.97 K USD
White Leigh Ann
director:
+ 100
29.69 USD
2 years ago
Mar 03, 2022
Bought 29.5 K USD
Perry-Smith Robert Truxtun
director:
+ 1002
29.43 USD
2 years ago
Mar 01, 2022
Bought 116 K USD
Perry-Smith Robert Truxtun
Director
+ 3958
29.36 USD
2 years ago
Feb 24, 2022
Bought 185 K USD
Perry-Smith Robert Truxtun
Director
+ 6278
29.51 USD
2 years ago
Feb 24, 2022
Bought 126 K USD
Perry-Smith Robert Truxtun
Director
+ 4300
29.25 USD
2 years ago
Feb 23, 2022
Bought 110 K USD
Perry-Smith Robert Truxtun
Director
+ 3722
29.68 USD
2 years ago
Feb 16, 2022
Bought 49.2 K USD
Deary-Bell Shannon
Director
+ 1590
30.92 USD
2 years ago
Feb 04, 2022
Sell 5.11 K USD
Deary-Bell Shannon
Director
- 170
30.08 USD
2 years ago
Feb 07, 2022
Bought 46.2 K USD
White Leigh Ann
Director
+ 1500
30.81 USD
2 years ago
Feb 07, 2022
Bought 9.29 K USD
Lucas Donna
Director
+ 300
30.98 USD
2 years ago
Dec 14, 2021
Bought 30.9 K USD
White Leigh Ann
Director
+ 1000
30.89 USD
3 years ago
Nov 18, 2021
Bought 14.8 K USD
White Leigh Ann
Director
+ 500
29.69 USD
3 years ago
Nov 11, 2021
Bought 284 K USD
Perry-Smith Robert Truxtun
Director
+ 10000
28.43 USD
3 years ago
Nov 10, 2021
Bought 27.7 K USD
White Leigh Ann
Director
+ 1000
27.68 USD
3 years ago
Nov 08, 2021
Bought 12.5 K USD
White Leigh Ann
Director
+ 462
27.08 USD
3 years ago
Nov 08, 2021
Bought 14.6 K USD
White Leigh Ann
Director
+ 538
27.2 USD
3 years ago
Jun 04, 2021
Bought 498 USD
Wait Brett Levi
SVP & CIO
+ 20
24.9 USD
3 years ago
Nov 04, 2021
Bought 27.6 K USD
White Leigh Ann
Director
+ 1000
27.62 USD
3 years ago
Sep 14, 2021
Bought 58.5 K USD
Perry-Smith Robert Truxtun
Director
+ 2500
23.4 USD
3 years ago
Sep 14, 2021
Bought 58.6 K USD
Perry-Smith Robert Truxtun
Director
+ 2500
23.46 USD
3 years ago
Sep 03, 2021
Bought 7.16 K USD
Perry-Smith Robert Truxtun
Director
+ 306
23.39 USD
3 years ago
Sep 03, 2021
Bought 59.3 K USD
Luck Heather Christina
SVP & Chief Financial Officer
+ 2500
23.73 USD
3 years ago
Sep 02, 2021
Bought 110 K USD
Perry-Smith Robert Truxtun
Director
+ 4694
23.49 USD
3 years ago
Aug 25, 2021
Bought 91.5 K USD
Perry-Smith Robert Truxtun
Director
+ 3869
23.65 USD
3 years ago
Aug 24, 2021
Bought 26.9 K USD
Perry-Smith Robert Truxtun
Director
+ 1131
23.75 USD
3 years ago
Aug 02, 2021
Bought 48.7 K USD
White Leigh Ann
Director
+ 2000
24.33 USD
3 years ago
May 04, 2021
Bought 50 K USD
Wetton Shelley Ronan
SVP & Chief Marketing Officer
+ 2500
20 USD
3 years ago
May 04, 2021
Bought 50 K USD
Wait Brett Levi
SVP & CIO
+ 2500
20 USD
3 years ago
May 04, 2021
Bought 127 K USD
Rizzo Michael Anthony
SVP & Chief Banking Officer
+ 6350
20 USD
3 years ago
May 04, 2021
Bought 444 K USD
Riggs Judson Teichert
Director
+ 22178
20 USD
3 years ago
May 04, 2021
Bought 3 K USD
Ramirez-Medina Lydia Ann
SVP & COO & Chief DE&I Officer
+ 150
20 USD
3 years ago
May 04, 2021
Bought 444 K USD
Perry-Smith Robert Truxtun
Director
+ 22178
20 USD
3 years ago
May 04, 2021
Bought 444 K USD
Nickum David Frank
Director
+ 22178
20 USD
3 years ago
May 04, 2021
Bought 50 K USD
Luck Heather Christina
SVP & Chief Financial Officer
+ 2500
20 USD
3 years ago
May 04, 2021
Bought 444 K USD
Lucchetti David John
Director
+ 22178
20 USD
3 years ago
May 04, 2021
Bought 20 K USD
Lee Michael Eugene
SVP & Chief Regulatory Officer
+ 1000
20 USD
3 years ago
May 04, 2021
Bought 444 K USD
Ramos Kevin Francis
Director
+ 22178
20 USD
3 years ago
May 04, 2021
Bought 100 K USD
Joffe Philip Mark
Director
+ 5000
20 USD
3 years ago
May 04, 2021
Bought 50 K USD
Hyde Kristine Mali
SVP & Chief HR Officer
+ 2500
20 USD
3 years ago
May 04, 2021
Bought 330 K USD
Deary-Bell Shannon
Director
+ 16500
20 USD
3 years ago
May 04, 2021
Bought 50 K USD
Dalton John William
SVP & Chief Credit Officer
+ 2500
20 USD
3 years ago
May 04, 2021
Bought 100 K USD
CAMPBELL MICHAEL D
Director
+ 5000
20 USD
3 years ago
May 04, 2021
Bought 444 K USD
Beckwith James Eugene
President & CEO
+ 22178
20 USD
3 years ago
May 04, 2021
Bought 424 K USD
Allbaugh Lawrence Eugene
director, 10 percent owner:
+ 21181
20 USD
7. News
Five Star Bancorp (FSBC) Q3 2024 Earnings Call Transcript Five Star Bancorp (NASDAQ:FSBC ) Q3 2024 Earnings Call October 29, 2024 1:00 PM ET Company Participants James Beckwith - President and Chief Executive Officer Heather Luck - Senior Vice President and Chief Financial Officer Conference Call Participants Woody Lay - KBW Andrew Terrell - Stephens Gary Tenner - D.A. Davidson Operator Good day, everyone, and welcome to the Five Star Bancorp Third Quarter Earnings Webcast. seekingalpha.com - 2 weeks ago
Five Star Bancorp Announces Third Quarter 2024 Results RANCHO CORDOVA, Calif., Oct. 28, 2024 (GLOBE NEWSWIRE) -- Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the “Bank”), today reported net income of $10.9 million for the three months ended September 30, 2024, as compared to $10.8 million for the three months ended June 30, 2024 and $11.0 million for the three months ended September 30, 2023. globenewswire.com - 2 weeks ago
Five Star Bancorp Declares Third Quarter Cash Dividend RANCHO CORDOVA, Calif., Oct. 18, 2024 (GLOBE NEWSWIRE) -- Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the "Bank"), announced today the declaration of a cash dividend of $0.20 per share on the Company's voting common stock. The dividend is expected to be paid on November 12, 2024, to shareholders of record as of November 4, 2024. globenewswire.com - 4 weeks ago
Five Star Bancorp Announces Third Quarter 2024 Earnings Release Date and Webcast RANCHO CORDOVA, Calif., Oct. 15, 2024 (GLOBE NEWSWIRE) -- Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the “Bank”), expects to report its financial results for the quarter ended September 30, 2024, after the stock market closes on Monday, October 28, 2024. globenewswire.com - 1 month ago
Five Star Bancorp opens San Francisco office, bringing personalized, concierge banking services to the San Francisco Bay Area Five Star Bank is committed to restoring high-tech, high-touch banking in the San Francisco Bay Area Five Star Bank is committed to restoring high-tech, high-touch banking in the San Francisco Bay Area globenewswire.com - 2 months ago
Five Star Bancorp Announces Second Quarter 2024 Results RANCHO CORDOVA, Calif., July 24, 2024 (GLOBE NEWSWIRE) -- Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the “Bank”), today reported net income of $10.8 million for the three months ended June 30, 2024, as compared to $10.6 million for the three months ended March 31, 2024 and $12.7 million for the three months ended June 30, 2023. globenewswire.com - 3 months ago
Five Star Bancorp Declares Second Quarter Cash Dividend RANCHO CORDOVA, Calif., July 19, 2024 (GLOBE NEWSWIRE) -- Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the "Bank"), announced today the declaration of a cash dividend of $0.20 per share on the Company's voting common stock. The dividend is expected to be paid on August 12, 2024, to shareholders of record as of August 5, 2024. globenewswire.com - 3 months ago
Five Star Bancorp invests in San Francisco Bay Area expansion strategy by hiring and promoting seasoned talent Five Star Bancorp seeks to fill a San Francisco Bay Area gap in high-tech and high-touch, personalized concierge banking left by Silicon Valley Bank and First Republic Bank failures Five Star Bancorp seeks to fill a San Francisco Bay Area gap in high-tech and high-touch, personalized concierge banking left by Silicon Valley Bank and First Republic Bank failures globenewswire.com - 4 months ago
Five Star Bancorp Announces Second Quarter 2024 Earnings Release Date and Webcast RANCHO CORDOVA, Calif., July 11, 2024 (GLOBE NEWSWIRE) -- Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the “Bank”), expects to report its financial results for the quarter ended June 30, 2024, after the stock market closes on Wednesday, July 24, 2024. globenewswire.com - 4 months ago
Five Star Bancorp invests in San Francisco Bay Area expansion strategy by hiring three commercial banking professionals, and receives eight new awards Five Star Bancorp seeks to fill a San Francisco Bay Area gap in personalized concierge banking left by Silicon Valley Bank and First Republic Bank failures Five Star Bancorp seeks to fill a San Francisco Bay Area gap in personalized concierge banking left by Silicon Valley Bank and First Republic Bank failures globenewswire.com - 5 months ago
Five Star Bancorp Announces First Quarter 2024 Results RANCHO CORDOVA, Calif., April 29, 2024 (GLOBE NEWSWIRE) -- Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the “Bank”), today reported net income of $10.6 million for the three months ended March 31, 2024, as compared to $10.8 million for the three months ended December 31, 2023 and $13.2 million for the three months ended March 31, 2023. globenewswire.com - 6 months ago
Five Star Bancorp Declares First Quarter Cash Dividend RANCHO CORDOVA, Calif., April 19, 2024 (GLOBE NEWSWIRE) -- Five Star Bancorp (Nasdaq: FSBC) (“Five Star” or the “Company”), a holding company that operates through its wholly owned banking subsidiary, Five Star Bank (the "Bank"), announced today the declaration of a cash dividend of $0.20 per share on the Company's voting common stock. The dividend is expected to be paid on May 13, 2024, to shareholders of record as of May 6, 2024. globenewswire.com - 6 months ago
8. Profile Summary

Five Star Bancorp FSBC

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 699 M
Dividend Yield 0.68%
Description 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. The company accepts various deposits, such as money market, noninterest-bearing and interest checking accounts, savings accounts, and time deposits. Its loan products include commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans. The company also offers debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. It operates through seven branch offices and two loan production offices in Northern California. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
Contact 3100 Zinfandel Drive, Rancho Cordova, CA, 95670 https://www.fivestarbank.com
IPO Date May 4, 2021
Employees 180
Officers Ms. Lydia Ann Ramirez-Medina Senior Vice President, Chief Operating Officer and Chief DE&I Officer Mr. Michael Eugene Lee Senior Vice President & Chief Regulatory Officer Mr. James Eugene Beckwith President, Chief Executive Officer & Director Mr. Brett Levi Wait Senior Vice President & Chief Information Officer Mr. Chris Rudberg Senior Vice President & MD Mr. Greg Kogan Senior Vice President & MD Mr. DJ Kurtze Senior Vice President & San Francisco Bay Area President Ms. Shelley Ronan Wetton Senior Vice President & Chief Marketing Officer Mr. John William Dalton Senior Vice President & Chief Credit Officer Mr. Michael Anthony Rizzo Senior Vice President & Chief Banking Officer