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Five Star Bancorp

FSBC

Five Star Bancorp is a bank holding company that operates through its subsidiary, Five Star Bank, providing comprehensive financial services to small and medium-sized businesses, professionals, and individuals.

Market cap
$1.01B+54.4%
Revenue$177.8M+26.5%
Net income$72.0M+38.8%
EPS (diluted)$3.38+38.0%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$51.1M
EPS estimate$0.89

Financials

Q2 2026

Income statement

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Revenue$48.0M+25.1%
Net income$19.4M+33.7%
EPS (diluted)$0.91+33.8%

Balance sheet

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Cash & equivalents$685.1M+41.6%
Total debt$11.3M+45.4%
Total equity$473.8M+13.7%
Total assets$5.4B+21.8%

Valuation & ratios

Valuation

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Market cap$1.01B+54.4%
Enterprise value$335.36M+77.1%
P/E14×+1.2×
P/S5.7×+0.9×

Profitability

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Net margin40.5%+3.6pp

Returns & leverage

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Return on equity16.2%+3.2pp
Debt / equity0.0×

Competitors

Profile

Five Star Bancorp is a bank holding company that operates through its subsidiary, Five Star Bank, providing comprehensive financial services to small and medium-sized businesses, professionals, and individuals. The company focuses on a purpose-driven banking model, primarily serving the Northern California region with a specialized emphasis on commercial real estate and relationship-based lending. Its core value proposition centers on deep local connectivity, rapid credit decision-making, and high-touch personalized service.

Competitive position

The company holds a significant and growing deposit market share in the Greater Sacramento Area, ranking sixth in its primary MSA. It differentiates itself from large money center banks through local decision-making and specialized industry expertise.

GeographiesNorthern California, United States
Customer segmentsSMEs, High-net-worth individuals, Municipal governments, Agribusiness
Business modelInterest Income, Relationship Banking
SuppliersFederal Reserve Bank, Federal Home Loan Bank (FHLB), Information technology and cloud software vendors, Managed service providers
CustomersCommercial real estate investors, Small business owners, Agricultural businesses, Municipalities, Professional services firms
Listed2021
Employees185.0
CEOJames Eugene Beckwith
FilingsSEC EDGAR

Questions, answered.

What is Five Star Bancorp's market cap?
Five Star Bancorp (FSBC) has a market capitalization of $1.0B and trades on NASDAQ.
What is Five Star Bancorp's revenue and profitability?
Five Star Bancorp generated $177.8M in trailing twelve-month revenue with net income of $72.0M, representing a net margin of 40.5%. These figures are based on the Q2 2026 filing.
Who are Five Star Bancorp's competitors?
Five Star Bancorp's key competitors include JPMorgan Chase & Co., Bank of America Corporation, Wells Fargo & Company, and others. These companies compete in similar markets and product categories.
Who does Five Star Bancorp partner with?
Five Star Bancorp's notable partners include Small Business Administration, Federal Home Loan Bank, Federal Reserve Bank.
What subsidiaries does Five Star Bancorp have?
Five Star Bancorp's subsidiaries include Five Star Bank.
Where is Five Star Bancorp headquartered?
Five Star Bancorp is headquartered in United States of America and employs approximately 185 people. It has been publicly traded since 2021.