FSBC
Financial ServicesFive Star Bancorp · Banks - Regional · $900M
What is Five Star Bancorp?
Five Star Bancorp is a Northern California community bank holding company focused on serving small and medium-sized businesses, professionals, and individuals through Five Star Bank. Headquartered in Rancho Cordova, it operates a regional branch network built around relationship banking.
Five Star Bank generates revenue primarily through lending and deposit-gathering. It originates commercial real estate, residential real estate, construction, farmland, and consumer loans while funding them with a mix of checking, savings, money market, and time deposit accounts. The bank also provides digital banking tools — including mobile banking, remote deposit capture, and direct deposit — to deepen customer relationships across its Northern California footprint.
Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.
- Commercial and residential real estate loans
- Construction, farmland, and commercial land loans
- Business and consumer deposit accounts
- Digital and mobile banking services
Is FSBC a Good Stock to Buy?
UQS Score rates FSBC as Good overall, reflecting a balanced profile with notable strengths and one clear area of concern.
The Quality pillar stands out as a genuine strength, suggesting the bank generates earnings in a disciplined, consistent manner. The Risk pillar also rates favorably, indicating the balance sheet and credit profile compare well against peers. Valuation is rated Attractive, meaning the stock does not appear richly priced relative to fundamentals.
The Moat pillar is rated Weak — a common challenge for community banks operating in competitive regional markets without a dominant franchise advantage.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does FSBC pay dividends?
Yes — Five Star Bancorp pays a dividend.
Five Star Bancorp pays a regular dividend, which is consistent with its community bank business model where returning capital to shareholders is a core priority. Income-oriented investors often view dividend-paying regional banks as a way to participate in local economic growth while receiving periodic income. Investors should verify the current yield and payout schedule on the company's investor relations page.
When does FSBC report earnings?
Five Star Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's Good Risk and Strong Quality ratings suggest earnings have been generated with reasonable consistency relative to its peer group. Community banks of this size can see results influenced by loan demand trends, deposit pricing pressure, and credit quality in their local markets.
For the most recent quarter's results and upcoming reporting dates, visit Five Star Bancorp's investor relations page directly.
FSBC Price History
+74.5% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Five Star Bancorp?
Based on Five Star Bancorp's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
FSBC Long-term Outlook
The Neutral Growth pillar suggests Five Star Bancorp is expanding at a measured pace rather than posting outsized loan or revenue growth. Given the Attractive Valuation and Strong Quality ratings, the fundamental outlook appears grounded — the bank is not priced for aggressive expansion, which may limit downside if growth remains modest. The Weak Moat rating is a longer-term consideration, as competitive pressure in Northern California banking could weigh on pricing power over time.
Growth drivers
- Continued small business lending demand across Northern California
- Deepening deposit relationships through digital banking adoption
- Potential branch or loan production office expansion in the region
Key risks
- Limited competitive moat in a crowded regional banking market
- Interest rate sensitivity affecting net interest margin
- Concentration risk tied to the Northern California economy
FSBC vs Peers
Five Star Bancorp competes with other community and regional bank holding companies that serve similar small business and professional client bases.
Metropolitan Bank operates in the New York metro market, giving it a different geographic risk profile and a larger urban commercial banking focus compared to FSBC's Northern California footprint.
HBT Financial serves central and northeastern Illinois communities, making it a Midwest peer with a similarly relationship-driven community banking model.
Camden National is a Maine-based community bank with a longer operating history and a New England deposit base, contrasting with FSBC's California-centric strategy.
Frequently Asked Questions
What does Five Star Bancorp do?
Five Star Bancorp is the holding company for Five Star Bank, a Northern California community bank. It provides loans — including commercial real estate, construction, and farmland loans — alongside deposit accounts and digital banking services, primarily to small and medium-sized businesses, professionals, and individuals.
Does FSBC pay dividends?
Yes, Five Star Bancorp pays a regular dividend. This is consistent with its community bank model, where returning capital to shareholders is a stated priority. Investors should check the company's investor relations page for the current dividend amount and payment schedule.
When does FSBC report earnings?
Five Star Bancorp follows a standard quarterly earnings reporting cadence. For the exact dates of upcoming earnings releases, refer to the investor relations section of the company's official website, as specific dates are subject to change.
Is FSBC a good stock to buy?
UQS Score rates FSBC as Good overall. The Strong Quality and Attractive Valuation ratings are positives, while the Weak Moat rating highlights competitive vulnerability. Whether it fits your portfolio depends on your goals — the full pillar breakdown is available to Pro members on UQS Score.
Is FSBC overvalued?
The UQS Valuation pillar rates FSBC as Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. Community banks with this profile can sometimes be overlooked by larger institutional investors, which may contribute to a more reasonable valuation.
How does FSBC compare to its competitors?
FSBC competes with regional peers like Metropolitan Bank, HBT Financial, and Camden National. Each operates in a different geography, but all share a community banking focus. FSBC's Northern California concentration is a key differentiator — for a side-by-side UQS comparison, see the full competitor table on the Pro dashboard.
What is FSBC's market cap bracket?
Five Star Bancorp is classified as a small-cap company. This places it in a segment of the market that can offer growth potential but may also carry lower trading liquidity and less analyst coverage than larger bank holding companies.
Who founded Five Star Bancorp?
Five Star Bancorp was founded in 1999. Detailed founding history and leadership background are publicly available through the company's official investor relations materials and SEC filings.
Is FSBC a long-term quality investment?
From a quality indicator standpoint, FSBC's Strong Quality and Good Risk pillar ratings suggest a degree of financial discipline that long-term investors often look for. However, the Weak Moat rating means the bank's competitive position warrants ongoing monitoring. The full long-term analysis is available to Pro members.
What is the main competitive advantage of Five Star Bancorp?
Five Star Bancorp's primary advantage lies in its local relationship-banking model and focused Northern California presence. While the UQS Moat pillar rates this as Weak relative to peers, the bank's Strong Quality score suggests it executes its core lending and deposit business with above-average discipline.
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Pro Analysis
FSBC — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 60.4 | 90.4 | 27.0 | 60.0 | 36.4 | 90.9 | -5.7 |
| May 7, 2026 | 66.1 | 87.9 | 27.0 | 60.0 | 72.7 | 96.2 | 0.0 |
| May 6, 2026 | 66.1 | 87.9 | 27.0 | 60.0 | 72.7 | 96.4 | 0.0 |
| May 3, 2026 | 66.1 | 87.9 | 27.0 | 60.0 | 72.7 | 96.2 | 0.0 |
| May 1, 2026 | 66.1 | 87.9 | 27.0 | 60.0 | 72.7 | 96.7 | 0.0 |
| Apr 26, 2026 | 66.1 | 87.9 | 27.0 | 59.7 | 72.7 | 96.5 | +0.2 |
| Apr 25, 2026 | 65.9 | 87.9 | 27.0 | 59.7 | 72.7 | 95.8 | -0.2 |
| Apr 23, 2026 | 66.1 | 87.9 | 27.0 | 59.7 | 72.7 | 96.5 | +0.1 |
| Apr 21, 2026 | 66.0 | 87.9 | 27.0 | 59.7 | 72.7 | 96.2 | 0.0 |
| Apr 19, 2026 | 66.0 | 87.9 | 27.0 | 59.7 | 72.7 | 96.1 | -0.1 |
FSBC — Pillar Breakdown
Quality
— 90.4/100 (25%)Five Star Bancorp demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 60.0/100 (20%)Five Star Bancorp demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 36.4/100 (15%)Five Star Bancorp has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 90.8/100 (15%)Five Star Bancorp appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 27/100 (25%)Five Star Bancorp operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FSBC.
Score Composition
Financial Data
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How is the FSBC UQS Score Calculated?
The UQS (Unified Quality Score) for Five Star Bancorp is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Five Star Bancorp's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Five Star Bancorp is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.