FIVE STAR BANCORP (FSBC)
Financials · Community banking / Regional bank · NASDAQ
A Northern California community bank serving small and medium-sized businesses and professionals through commercial real estate lending and deposit products.
What FIVE STAR BANCORP does
Five Star Bancorp is a bank holding company operating through its subsidiary Five Star Bank, a California state-chartered non-member bank headquartered in the greater Sacramento metropolitan area. The bank provides a broad range of banking products and services including commercial real estate loans, commercial and construction loans, SBA loans, and deposit accounts to small and medium-sized businesses, professionals, and individuals, primarily in Northern California through nine branch offices. The bank's primary funding source is customer deposits, with a strategic focus on "purpose-driven and integrity-centered banking" in real estate, agricultural, faith-based, and small to medium-sized enterprise markets.
Themes: ["Community banking","Commercial real estate lending","Small and medium-sized business lending","Northern California regional banking","Agricultural lending","SBA lending","Deposit gathering"]
Fundamentals
- Price$48.31 as of 2026-07-09 close
- Market cap$1.0B as of 2026-07-10
- 1-year return+59.8% as of 2026-07-09 close
- P/E15.39 as of 2026-07-10
- ROE+15.3% as of 2026-07-10
- Debt / equity0.16 as of 2026-07-10
- Beta0.52 as of 2026-07-10
Dividend: yield +1.9%; 3-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Geographic concentration in Northern California exposes the bank to regional economic downturns and real estate market fluctuations","Heavy reliance on commercial real estate lending (81% of portfolio) creates vulnerability to adverse conditions in real estate markets","Rising interest expenses on deposits and subordinated notes pressures net interest income in a competitive deposit environment"]
Competitors & peers
- Mechanics Bank
- TriCo Bancshares (TCBK)
- SVB Financial Group
- Community Bank System
- PacWest Bancorp (PACW)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.