Five Star Bancorp stock
FSBCNASDAQFinancial ServicesISIN US33830T1034
75Score 75 out of 100, Strong
Price and trend
74 / 100
Price history
+26% in one yearThe chart shows daily closes over 19 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 2.8% above it.
Since August 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 52).
The price is 11% below its 52-week high. Largest decline in 19 years: 56% (September 2007 to March 2009).
Chart figures for advanced users
- SMA 50$44.22
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$43.07
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)52
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$32.87
- The lowest closing price of the last twelve months.
- Resistance$49.68
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Five Star Bancorp belongs to the Banks (Regional) industry (United States) and, with a market value of $1.09B, is number 290 of 422 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $255.47M (up 20.4% year on year) and earnings of $61.61M (up 34.9%).
- MEQIRI Score 75 out of 100 (Strong): rank 227 of 976 in Financial Services, median 68.
Show more
- The P/E is 13.5 (Banks (Regional) median 12.2, own median of recent years 11.5).
- Our model puts fair value at $48.74, with the price 9% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Growing faster than its industryRevenue up 25.2% a year since 2020, Banks (Regional) median 7.5%.Growth 82
- High return on equityReturn on equity 15.6% over the last 12 months.Profitability 71
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 89
Weaknesses
- DilutionShare count up 30% since 2020.Capital allocation 46
- Margin fallingOperating margin 32.8%, average of the prior years 44.9% (to 2024).
Its standout strengths are fundamentals and growth, while capital allocation holds the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- solid fundamentals
Valuation
Valuation signal
Fairly valuedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $40.61 and expensive above $60.92 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $57.44 (excess return model) and $40.03 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $43.95, at 7.8% it would be $55.92.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 27.7% on the twelve months before. Revenue has grown strongly since 2016, at around 49% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 33%, net 24%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 25 Jan 2027in 74 days
- Last reported
- 26 Oct 2026EPS reported $0.92 (expected $0.85)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $3.58+2.5%
- Revenue
- $198.96M+0.8%
- Earnings per share
- $3.73+1.0%
- Revenue
- $226.82M−0.5%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: +3.0%Five Star Bancorp largely confirms its prior outlook: margin support from loan yields and funding mix remains expected, credit quality stable, and loan growth guided at 10 to 12% for Q4 and 2027.
“So we kind of like where we're positioned right now from a loan growth perspective, and we're guiding 10% to 12% in Q4 and probably 10% to 12% for 2027.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 27 Oct 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 5 insiders sold, $669,786 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Not counted: 7 purchases under a fixed plan (compensation, savings plan or a pre-arranged Rule 10b5-1 trading plan).
- Kurtze Don JustinSale
5 Nov 2026, EVP, SF Bay Area President
- Shares
- 0.3
- Price
- $45.76
- Value
- $14
- Ramirez-Medina Lydia AnnSale
2 Nov 2026, EVP, Chief Ext Affairs Officer
- Shares
- 4,307
- Price
- $44.92
- Value
- $193,470
- Allbaugh Larry EugenePlan purchase
22 Jul 2026, Board
- Shares
- 96,591
- Price
- $44.00
- Value
- $4.25M
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- Perry-Smith Robert TruxtunPlan purchase
22 Jul 2026, Board
- Shares
- 31,363
- Price
- $44.00
- Value
- $1.38M
- Deary-Bell ShannonPlan purchase
22 Jul 2026, Board
- Shares
- 5,682
- Price
- $44.00
- Value
- $250,008
- Lucas DonnaPlan purchase
22 Jul 2026, Board
- Shares
- 1,136
- Price
- $44.00
- Value
- $49,984
- Riggs Judson TeichertPlan purchase
22 Jul 2026, Board
- Shares
- 2,273
- Price
- $44.00
- Value
- $100,012
- Ramos Kevin FrancisPlan purchase
22 Jul 2026, Board
- Shares
- 5,682
- Price
- $44.00
- Value
- $250,008
- Wait Brett LeviSale
26 May 2026, SVP, Chief Information Officer
- Shares
- 1,640
- Price
- $42.27
- Value
- $69,323
- Lee Michael EugeneSale
21 May 2026, SVP, Chief Regulatory Officer
- Shares
- 867
- Price
- $41.23
- Value
- $35,746
- Beckwith James EugeneSale
20 May 2026, President & CEO
- Shares
- 6,428
- Price
- $41.23
- Value
- $265,054
- Wait Brett LeviSale
14 May 2026, SVP & CIO
- Shares
- 2,583
- Price
- $41.11
- Value
- $106,179
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Five Star Bancorp
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 75
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- BKS BankBKS.VI $1.12B68
- Univest FinancialUVSP $1.11B65
- Northeast BankNBN $1.1B78
- Horizon BancorpHBNC $1.09B70
- CNB FinancialCCNE $1.06B77
- Mercantile BankMBWM $1.06B76
- Capitol Federal FinancialCFFN $1.06B62
- Business First BancsharesBFST $1.05B70
ETFs that hold Five Star Bancorp
Held by 7 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.06% | 0.39% | €1.47B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.03% | 0.30% | €4.22B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.03% | 0.30% | €2.17B |
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| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.01% | 0.30% | €944.34M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.01% | 0.43% | €2.48B |
| UBS MSCI USA Select Factor Mix UCITS ETF USD accUSUE | 0.00% | 0.25% | €175.89M |
| State Street SPDR MSCI All Country World Investable Market UCITS ETF (Acc)SPYI | 0.00% | 0.17% | €8.6B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 18 Oct 2026)
- Valuation signal Fairly valued since 12 Nov 2026, previously Undervalued
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.