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Sacramento-region California bank offering commercial and commercial real estate banking to local businesses.
Sacramento-region California bank offering commercial and commercial real estate banking to local businesses.
Earns the spread between interest on loans, largely against commercial property, and the cost of deposits gathered through relationship bankers, with fees a small add-on. Concentration in one region and one loan type ties results to local property values and credit conditions.
Moat: narrow (scale). Focused relationship banking in a fast-growing Sacramento-area market, though still a small franchise.
Headquarters: Rancho Cordova, California, US · Founded: 1999 · Employees: 233
Size Five Star Bancorp (FSBC) is a United States Financials company (Regional Banks) with a market value of $1.08B, the 2195th largest of 3,117 United States companies the cockpit tracks. Shares closed at $44.11 on 6 Nov 2026.
Performance Over six months the shares gained 5.7%, against +9.8% for the median peer and -1.1% for the United States market (cap-weighted) — 7th lowest of 20 in its peer set.
Growth Revenue grew 18.4% over the last twelve months (peer median +11.3%); the operating margin is 54.6% (peer median 35.0%).
Valuation It trades at 1.75× book value against a peer median of 1.11× (2nd most expensive of 21).
Price implies The share price implies a return on equity of about 10.4%; Five Star Bancorp delivers 14.8%, so the price asks less than the business earns today.
Short interest Short interest is 5.2% of the free float (15 Oct 2026).
Next results Next results expected around 1 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $293M | $255M | $213M | $182M | $125M |
| Revenue growth | — | +20% | +17% | +45% | — |
| Net income | $77.6M | $61.6M | $45.7M | $47.7M | $44.8M |
| Free cash flow | n/a | $71.4M | $51.2M | $47.8M | $51.4M |
| Capital expenditure | n/a | $4.91M | $2.18M | $2.65M | $3.54M |
| Total debt | $86.1M | $85.9M | $80.8M | $249M | $178M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Five Star Bancorp FSBC | $1.08B | +6% | +18% | 15% | 1.75× | 10.4% |
| TriCo Bancshares TCBK | $1.67B | +2% | +4% | 11% | 1.26× | 9.6% |
| Westamerica Bancorporation WABC | $1.38B | +9% | -4% | 13% | 1.75× | 11.3% |
| Mechanics Bancorp MCHB | $3.41B | -1% | +131% | 10% | 1.33× | 14.8% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | FSBC | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +3.3% | +3.5% | 11th highest of 21 |
| 6-month return | +5.7% | +9.8% | 7th lowest of 20 |
| Return on equity | 14.8% | 10.8% | 5th highest of 21 |
| Price / book | 1.75× | 1.11× | 2nd most expensive of 21 |
| Trailing P/E | 12.5× | 11.5× | 7th most expensive of 21 |
| ROE the price implies | 10.4% | 9.0% | 8th most demanding of 21 |
| ROE delivered | 14.8% | 10.2% | 5th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Five Star Bancorp FSBC | United States | $1.08B | +6% | +18% | 15% | 1.75× | 10.4% | 14.8% |
| Northeast Bank NBN | United States | $1.08B | +1% | +9% | 20% | 1.72× | 11.8% | 20.0% |
| San ju San Financial 7322.T | Japan | $1.08B | +1% | +23% | 5% | 0.72× | 6.9% | 5.4% |
| Horizon Bancorp HBNC | United States | $1.07B | +13% | +424% | 16% | 1.52× | 12.0% | 15.7% |
| Univest Financial UVSP | United States | $1.10B | +4% | +2% | 10% | 1.16× | 9.1% | 10.0% |
| CNB Financial CCNE | United States | $1.06B | +15% | +26% | 13% | 1.24× | 9.0% | 13.2% |
| Bank of Jiujiang 6190.HK | Hong Kong | $1.06B | +55% | -2% | 1% | 0.20× | 3.5% | 1.5% |
| Mercantile Bank MBWM | United States | $1.05B | +16% | +5% | 14% | 1.41× | 11.5% | 13.6% |
| First Bank of Toyama 7184.T | Japan | $1.12B | +10% | +14% | 10% | 0.90× | 7.9% | 10.2% |
| Forbright FRBT | United States | $1.04B | n/a | +11% | 11% | 1.01× | 6.4% | n/a |
| Business First Bancshares BFST | United States | $1.04B | +16% | +7% | 10% | 1.02× | 8.6% | 10.1% |
| MetroCity Bankshares MCBS | United States | $1.04B | +10% | +25% | 17% | 1.78× | 12.2% | 16.9% |
| TOMONY 8600.T | Japan | $1.13B | +6% | +12% | 6% | 0.60× | 4.5% | 5.9% |
| Eagle Bancorp EGBN | United States | $1.03B | +28% | -11% | 5% | 0.89× | 9.0% | 4.7% |
| Heritage Financial HFWA | United States | $1.15B | +3% | +22% | 8% | 1.06× | 7.8% | 7.8% |
| Southside Bancshares SBSI | United States | $1.01B | +2% | +9% | 12% | 1.54× | 10.1% | 11.8% |
| Miyazaki Bank 8393.T | Japan | $1.16B | +8% | +8% | 7% | 0.77× | 6.2% | 7.0% |
| Equity Bancshares EQBK | United States | $1.00B | +7% | +53% | 12% | 1.23× | 10.4% | 12.1% |
| Metropolitan Bank MCB | United States | $1.17B | +5% | +12% | 13% | 1.20× | 11.3% | 13.1% |
| Oita Bank 8392.T | Japan | $1.18B | +13% | +25% | 5% | 0.69× | 6.2% | 4.7% |
| Central Pacific Financial CPF | United States | $974M | +10% | +4% | 15% | 1.68× | 13.2% | 14.9% |