Five Star Bancorp (FSBC)
Provides relationship banking for Northern California businesses, professionals, and deposit clients.
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Provides commercial real estate, construction, land-development, operating-credit, and deposit services through a Northern California relationship-bank model. Revenue comes from a single banking segment, with growth tied to banker hiring, Bay Area expansion, customer deposits, credit quality, rates, and regulation.
Operates through Five Star Bank, a California state-chartered non-member bank serving small and medium-sized businesses, professionals, and individuals primarily in Northern California. Core products include commercial real estate loans, land-development and construction loans, operating lines of credit, checking, savings, money market, and term certificate accounts.
Builds growth through relationship banking, regional expertise, business-development hiring, and selective Bay Area expansion rather than acquisition-led roll-up. Commercial real estate remains central to the franchise, with manufactured-housing, agribusiness, and diversified-industry verticals adding specialist coverage.
Depends on Northern California borrowers and depositors, customer deposits as the main funding base, credit quality, interest-rate conditions, and bank regulation. The company reports a single banking segment.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 29, 2026 | DA Davidson | Reiterate | Rating: —Target: $48.50 | Target: $55 |
| Jul 27, 2026 | Stephens | Target | Target: $43 | Target: $51 |
| Apr 29, 2026 | DA Davidson | Reiterate | Rating: —Target: $45 | Target: $48.50 |
| Apr 29, 2026 | Stephens | Target | Target: $37 | Target: $43 |
| Jan 28, 2026 | DA Davidson | Reiterate | Rating: —Target: $43 | Target: $45 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $136.6M · Total debt $74.1M · Total assets $5.38B · Shareholders' equity $473.8M
- Revenue
- $74.2M
- Operating income
- $26.1M
- Net income
- $19.4M
HistoryDividendAnnual yield
| Institutions | ≈ 52.84% | 12.96M shares | |
|---|---|---|---|
| 169 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 12.15% | 2.98M shares | |
| 20 holders · as of Aug 6, 2026 | |||
| Other | ≈ 35.01% | 8.59M shares | |
| remainder | |||
24.54M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
T. Rowe Price Investment Management, Inc.Institution | 8.39% | 2.06M | as of Jun 30, 2026 |
Davis Asset Management, L.P.Institution | 6.16% | 1.51M | as of Jun 30, 2026 |
Davis Partnership, L.P.Institution | 6.16% | 1.51M | filed Feb 13, 2025 |
BlackRock, Inc.Institution | 5.43% | 1.33M | as of Jun 30, 2026 |
Kathryn Ruth Oates-Fairrington1Insider10 percent owner | 5.20% | 1.28M | filed Apr 2, 2025 |
- Kathryn Ruth Oates-Fairrington's transaction reports restate only vehicles that traded; the 2025 ownership statement (1.28M) is used instead.
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 22, 2026 | Kevin Francis Ramos | director | +5,682 | $44.00 |
| Jul 22, 2026 | Judson Teichert Riggs | director | +2,273 | $44.00 |
| Jul 22, 2026 | Donna Lucas | director | +1,136 | $44.00 |
| Jul 22, 2026 | Shannon Deary-Bell | director | +5,682 | $44.00 |
| Jul 22, 2026 | Robert Truxtun Perry-Smith | director | +31,363 | $44.00 |
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- Banc of California
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- Columbia Banking System
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- East West Bancorp
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CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Five Star Bancorp | $44.17 | 0.00% | $1.07B | 13.1 | 12.6 | 3.8 | +25.1% |
| CVB Financial | $22.16 | −0.05% | $3.22B | 14.8 | 12.0 | 4.6 | +42.0% |
| California BanCorp | $21.50 | 0.00% | $691.9M | 11.7 | 12.1 | 3.0 | +1.4% |
| TriCo Bancshares | $52.32 | −0.06% | $1.70B | 12.7 | 12.1 | 3.1 | +9.9% |
| Bank of Marin | $28.00 | 0.00% | $454.9M | 6.9 | 12.1 | 2.3 | +73.1% |
| Westamerica Bancorp | $59.04 | 0.00% | $1.40B | 13.1 | 12.7 | 5.3 | −2.5% |
| Banc of California | $18.19 | +0.48% | $2.81B | — | 9.5 | 1.6 | +4.7% |
| Columbia Banking System | $29.91 | +1.94% | $8.46B | 11.9 | 9.4 | 2.4 | +33.1% |
| East West Bancorp | $104.49 | −16.79% | $17.50B | 12.3 | 11.5 | 3.7 | +12.5% |
| Median | 12.3 | 12.0 | 3.1 | +11.2% |