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/FSBC
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Five Star Bancorp

Five Star Bancorp

FSBC
$48.81USD↓-1.75%-0.87 today

MARKET CAP

1.0B

P/E (TTM)

15.5x

FWD P/E

12.9x

DAY RANGE

$48 – $49

52W RANGE

$28
$50

AI Summary

Stalk
StalkMedium

The stock remains in a healthy Stage 2 uptrend with persistent higher highs and rising EMAs beneath price. However, price is currently extended above the rising EMAs and showing overbought conditions (RSI and Options Score extreme), suggesting timing is unfavorable now. Execution should be deferred until a pullback into support zones—specifically the rising 9/20 EMAs around prior highs near $44–44.5—offers a more favorable entry. Medium-term bias stays bullish given the clear advancing regime, but risks of short-term exhaustion warrant patience.

  • ↑Q1 EPS $0.87 vs $0.83 prior quarter; net income +6% QoQ
  • ↑Annualized loan growth 14% and deposit growth 26% ($268 M)
  • ↓Rising competition from larger banks may compress NIM and slow lending
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Five Star Bancorp (NASDAQ:FSBC) operates as a prominent community bank in Northern California, specializing in relationship-based banking services tailored for small and mid-sized businesses. Recently, the bank has expanded its foothold into the competitive San Francisco Bay Area while continuing to focus on its core segments, such as commercial real estate and agribusiness. The bank's growth strategy underscores its commitment to customer-centric service and community engagement, positioning it favorably in a dynamic financial landscape.

Bull says

  • ↑Q1 EPS $0.87 vs $0.83 prior quarter; net income +6% QoQ
  • ↑Annualized loan growth 14% and deposit growth 26% ($268 M)
  • ↑Net interest margin rose to 3.70% from 3.66%
  • ↑Quarterly dividend $0.25 (2.1% yield) signals strong cash flow
  • ↑Southern California expansion via new offices and hires boosts market share
  • ↑High earnings yield, strong momentum, robust profitability, and low leverage

Bear says

  • ↓Rising competition from larger banks may compress NIM and slow lending
  • ↓Deposit cost pressures amid weak liquidity raise profitability concerns
  • ↓Rate volatility and economic headwinds could dampen credit demand
  • ↓Expansion could trigger regulatory scrutiny and higher capital needs
  • ↓Small market size and high short interest reflect investor caution
  • ↓Growth forecasts may be overstated, risking stock pullback

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-28-2026bullish

Transcript signals

Bull points

  • Net interest income increased to $43.5 million, a 3% increase from Q4 of 2025, supported by both volume and margin expansion.
  • Our net interest margin improved to $370 from $366 in the prior quarter, reflecting discipline pricing and favorable mix of assets and liabilities.
  • Interest income increased by $926,000 from the previous quarter, mainly due to a 4% increase in the average balance of loans.

Bear points

  • NIM, you know, it might move up a couple basis points, but nothing substantial like we've seen for the last, you know, four quarters. So we're settling in on this NIM range of 370 to 375.
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