FIVE STAR BANCORP (FSBC)
Financials · Regional Banks · NASDAQ
A California-based community bank holding company focused on relationship-based commercial and retail banking services.
What FIVE STAR BANCORP does
Five Star Bancorp is a bank holding company that provides a range of banking products and services through its subsidiary, Five Star Bank. It serves individual and commercial customers primarily through a relationship-based banking model, offering loans for investment and various deposit accounts.
Themes: commercial banking, retail banking, community banking
Fundamentals
- Price$43.24 as of 2026-10-20 close
- Market cap$1.1B as of 2026-08-03 (share count; price 2026-10-20)
- 1-year return+30.3% 2025-10-20 close $33.19 → 2026-10-20 close $43.24
- P/E12.79 as of 2026-10-20
- ROE+13.8% FY2025, SEC XBRL
- ROICn/a No figure: it is a bank or insurer, whose operating income and debt are not what ROIC divides.
- Debt / equityn/a No figure: its filing tags none of the debt lines we read, which is not evidence of zero debt.
- Beta0.72 as of 2026-09-03
- Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.2%; 3-year non-decreasing per-share dividend streak (SEC XBRL).
How FSBC compares in its sector
- price-to-earnings ratiomiddle range 487 covered Financials peers, as of 2026-10-20
- return on equitymiddle range 558 covered Financials peers, as of 2026-09-03
- indicated dividend yieldmiddle range 440 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, FSBC's dividend was covered by reported results (earnings payout 28%, free-cash-flow payout 24%). This describes past coverage, not a forecast.
- Earnings payout28% dividends / net income
- Free-cash-flow payout24% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
Quarterly results
| Quarter | Net income | Diluted EPS | Operating cash flow | Capex |
|---|---|---|---|---|
| Q2 FY2026 2026-06-30 | $19M | $0.91 | $24M† | $441000† |
| Q1 FY2026 2026-03-31 | $19M | $0.87 | $19M | $168000 |
| Q4 FY2025 2025-12-31 | $18M† | $0.83† | $21M† | $638000† |
| Q3 FY2025 2025-09-30 | $16M | $0.77 | $19M† | $215000† |
| Q2 FY2025 2025-06-30 | $15M | $0.68 | $18M† | $244000† |
| Q1 FY2025 2025-03-31 | $13M | $0.62 | $15M | $100000 |
| Q4 FY2024 2024-12-31 | $13M† | $0.63† | $18M† | $106000† |
| Q3 FY2024 2024-09-30 | $11M | $0.52 | $18M† | $210000† |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$685M includes restricted cash (the filer tags no unrestricted total)
- Total debtnot shown the filing tags none of the debt lines we read — not evidence of zero debt
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How FIVE STAR BANCORP looks technically
FIVE STAR BANCORP (FSBC) is trading 1.9% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 291 trading days ago — a "golden cross", a bullish long-term signal. A strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 27, with sellers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 6 trading days ago (its momentum flipped positive). It made a new 20-day low about 10 trading days ago. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 10% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 1.9% above its 200-day average, the long-term trend line — a longer-term uptrend | +1.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $44.67 | $44.67 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $42.42 | $42.42 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing high 14 calendar days ago — the swings before that are what the structure reading is measured on | 14 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five; the labelling fails if price closes above 43.97. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible downward five-wave sequence, in wave 5 |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 291 trading days ago — a "golden cross", a bullish long-term signal | 291 sessions |
| Trend strength (14-day ADX) | a strong downtrend is in place — ADX, a 0–100 trend-strength gauge, is 27, with sellers in control | 26.9 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30) | 46.8 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($41.70 to $43.97) — its "stochastic" reading is 68 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 67.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 6 trading days ago (its momentum flipped positive) | 6 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $50.26 | $50.26 |
|---|---|---|
| From the 52-week high | it is 14.0% below its 52-week high (its highest price of the past year) | -14.0% |
| Above the 52-week low | it is 36.8% above its 52-week low (its lowest price of the past year) | +36.8% |
| Below the 52-week high | it is 14.0% below its highest point of the past year | 14.0% |
| Since a 20-day breakout | it made a new 20-day low about 10 trading days ago | 10 sessions |
| Since a 55-day breakout | it made a new 55-day low about 10 trading days ago | 10 sessions |
| All-time high | its highest closing price on record is $50.26 (set on 2026-07-16) | $50.26 |
| Given back of the 52-week move | over the past year its closes ranged ($32.29 to $49.68), and it has given back roughly a third of its rise from last year’s low — 37% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $38.38 to $38.93. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 37.0% |
| From the all-time high | it is 14.0% below its all-time high | -14.0% |
| Nearest price level | it is trading 2.9% below a resistance level at $44.50 — a price it turned at four times since 2026-07-23, most recently on 2026-10-06. Since 2024-10-21 it has 9 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +2.9% |
| All-time low | its lowest closing price on record is $17.74 (set on 2023-05-15) | $17.74 |
| Above the all-time low | it is 143.7% above its all-time low | +143.7% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 10% of the past ~6 months), which often precedes a bigger move | 10th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.8803 between its high and its low — about 2.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.8803 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $42.09 and $43.88 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $42.09 – $42.98 – $43.88 |
| Typical daily range (% of price) | its price moves about 2.0% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.0% |
| Stretch from the 200-day average | it is trading 0.9 daily ranges above its 200-day average price (1.9% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.9 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.70× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-10-20 at essentially the same price it closed at the session before — no meaningful overnight gap | 0.0% |
|---|---|---|
| Gap filled | a 2.2% gap up opened on 2026-08-12 has been "filled" 48 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 48 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 3.7 percentage points (the stock lost 2.8% while the market gained 1.0%) | -3.7% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 15.5 percentage points (the stock lost 11.8% while the market gained 3.6%) | -15.5% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 3.1 percentage points (the stock gained 5.4% while the market gained 8.5%) | -3.1% |
| vs market, 12 months | over the past 12 months this stock beat the market by 15.7 percentage points (the stock gained 30.3% while the market gained 14.6%) | +15.7% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: a strong downtrend, with sellers in control, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 6.4% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-14 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 2.8% of the share price. | -6.4% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 1% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $43.63 — a volume-weighted average of daily closes over 200 sessions, not a true tick-by-tick VWAP. | -0.9% |
|---|---|---|
| Vs the average paid since it last reported | the price is 5% below the average price paid since it last reported on 2026-07-22 (its 8-K), so the typical buyer over that stretch is under water. That average is $45.34 — a volume-weighted average of daily closes over 63 sessions, not a true tick-by-tick VWAP. | -4.6% |
Channel down, bearish — forming · entry $41.65 · 72 sessions in
Price levels it has turned at before
FSBC last closed at $43.24 on 2026-10-20. Since 2024-10-21 it has turned at 9 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $44.50 | Resistance | 2.9% above the last close | turned there four times · 2026-07-23 to 2026-10-06 |
| $41.63 | Support | 3.7% below the last close | turned there six times · 2026-02-23 to 2026-10-01 |
| $40.06 | Support | 7.4% below the last close | turned there three times · 2026-01-22 to 2026-05-12 |
| $47.14 | Resistance | 9.0% above the last close | turned there three times · 2026-07-15 to 2026-09-14 |
| $50.13 | Resistance | 15.9% above the last close | turned there twice · 2026-07-02 to 2026-07-16 |
| $35.48 | Support | 18.0% below the last close | turned there five times · 2024-11-06 to 2026-03-19 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five.
This labelling fails — stops being a possible reading at all — if it closes above $43.97.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $38.34 and $41.82 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This reading has stood for 6 trading days, since 2026-10-13.
Read from daily closes as of 2026-10-20.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Near 200-day moving-average support · Trading above the 200-day moving average · Trading below the 50-day moving average · in a Bollinger Band volatility squeeze · Printed a bullish engulfing pair · Trading at this year’s average price paid (anchored VWAP) | Learn: moving average · golden cross · adx · rsi · macd · breakout · bollinger bands
Based on daily closing prices as of 2026-10-20. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.00 mean, 1=Strong Buy…5=Strong Sell) — 5 analysts
- Mean price target$51.40 range $48.00 – $55.00; median $52.00
Analyst estimates, as of 2026-10-16. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for FSBC
- Consensus EPS estimate$0.854 next reporting period, as of 2026-10-16
- Estimate change, 30 days-$0.002 (-0.2%) from $0.856, on 2026-09-11, 35-day window
- Readings revised upward0% of 10 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Credit risk associated with loan portfolio and potential for provision for credit losses to increase.","Interest rate risk affecting net interest income and net interest margin.","Regulatory and compliance risks inherent in the banking industry."]
What changed in the latest 10-Q
AI-assisted comparison of FSBC's 10-Q filed 2026-08-06 against the prior one filed 2026-05-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (filed 2026-08-06) added a reference to "our Quarterly Report on Form 10-Q for the three months ended March 31, 2026" in the sentence about cautionary statements and risk factors to be read together with.
- Removed:
- Older filing (filed 2026-05-07) ended the Company Overview section with the sentence beginning "...primarily in Northern California through nine branch offices. Our mission is to strive to become the top busines" which is truncated in the newer filing.
- Reworded:
- Older filing (filed 2026-05-07) used the phrase "words or phases of similar meaning" while newer filing (filed 2026-08-06) uses "words or phrases of similar meaning" in the forward-looking statements cautionary language.
- Older filing (filed 2026-05-07) described "effective risk management framework" while newer filing (filed 2026-08-06) describes "an effective risk management framework" in the risk factors bullet list.
- Newer filing (filed 2026-08-06) says services are provided to customers "primarily in California" while older filing (filed 2026-05-07) says "primarily in Northern California through nine branch offices" in the Company Overview section.
- Page number reference changed from "30" in older filing (filed 2026-05-07) to "34" in newer filing (filed 2026-08-06) within the risk factors list.
- Notes:
- The newer filing's Company Overview section appears truncated at "primarily in California throug" so full comparison of that section is not possible.
- Only the MD&A section text was compared, not the full filings.
Risk Factors
- Reworded:
- In the newer filing (2026-08-06), Item 5 refers to the three months ended June 30, 2026, while in the older filing (2026-05-07), Item 5 refers to the three months ended March 31, 2026.
- In the newer filing (2026-08-06), the page number before the SIGNATURES section is 74, while in the older filing (2026-05-07), the corresponding page number is 65.
- In the newer filing (2026-08-06), the page number directly following the 'ITEM 5. Other Information' paragraph is 73, while in the older filing (2026-05-07), the corresponding page number is 64.
- Notes:
- The Risk Factors section itself is identical in both filings; all noted differences are in adjacent sections included in the provided text.
- Text in both filings appears truncated at the SIGNATURES section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 6 days since 2026-10-16 have not been checked yet.
- Last 180 days · read to 2026-10-167 buys ($6M) · 8 sells ($560405) — 6 buying, 4 selling insiders
Cluster buying: 6 different insiders reported open-market purchases (SEC code P) of FSBC within a 30-day window between 2026-07-22 and 2026-07-22. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Most recent open-market transaction: 2026-07-22. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about FSBC's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding FSBC as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 1,713,342
- Reported value $83,417,628
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about FSBC's institutional holders → See what each manager we track holds →
Short interest (FINRA)
FSBC had 1,278,886 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
FSBC had 5.21% of its shares outstanding sold short as of the 2026-09-30 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 5.16 days to cover at the same settlement.
- Reported short interest (shares) 1,278,886
- Short interest (% of shares outstanding) 5.21%
- Prior settlement (shares) 920,047
- Reported change 39%
- Days to cover (reported) 5.16
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Tri Counties Bank (TCBK)
- CVB Financial (CVBF)
- River City Bank
- Mechanics Bank
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare FSBC vs…
FIVE STAR BANCORP is found in…
Frequently asked questions
What does FIVE STAR BANCORP (FSBC) do?
Five Star Bancorp is a bank holding company that provides a range of banking products and services through its subsidiary, Five Star Bank. It serves individual and commercial customers primarily through a relationship-based banking model, offering loans for investment and various deposit accounts.
What sector is FIVE STAR BANCORP (FSBC) in?
FIVE STAR BANCORP (FSBC) is classified in the Financials sector. Its industry is Regional Banks. It trades on NASDAQ.
Does FSBC pay a dividend?
Yes — FIVE STAR BANCORP (FSBC) pays a dividend, with an indicated yield of about 2.25% and 3-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). Informational only — not financial advice.
Who are FIVE STAR BANCORP's (FSBC) competitors?
Notable peers of FIVE STAR BANCORP (FSBC) include Tri Counties Bank, CVB Financial, River City Bank and Mechanics Bank. This peer set is informational only — not financial advice.
Is FIVE STAR BANCORP (FSBC) overbought or oversold right now?
FIVE STAR BANCORP (FSBC) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 47, in the neutral middle (as of 2026-10-20). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FSBC come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-20.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.