Five Star Bancorp

NasdaqGS:FSBC Stock Report

Market Cap: US$863.4m

Five Star Bancorp Future Growth

Future criteria checks 2/6

Five Star Bancorp is forecast to grow earnings and revenue by 13% and 17.9% per annum respectively while EPS is expected to grow by 12.6% per annum.

Key information

13.0%

Earnings growth rate

12.62%

EPS growth rate

Banks earnings growth8.2%
Revenue growth rate17.9%
Future return on equityn/a
Analyst coverage

Low

Last updated05 May 2026

Recent future growth updates

Recent updates

Narrative Update • Apr 21

FSBC: Slightly Higher Earnings Assumptions Will Support P/E And Dividend Outlook

Analysts have slightly increased their price targets on Five Star Bancorp by $1 to $2, reflecting updated expectations around revenue growth, profit margins and forward P/E assumptions, while keeping a fair value view broadly aligned with prior estimates. Analyst Commentary Recent research updates point to a modest upward reset in price targets, tied mainly to refreshed views on revenue potential, profitability and P/E inputs, rather than a wholesale shift in the overall outlook on Five Star Bancorp.
Analysis Article • Apr 10

Is Now The Time To Put Five Star Bancorp (NASDAQ:FSBC) On Your Watchlist?

It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...
Narrative Update • Apr 07

FSBC: Stable Execution And P/E Assumptions Will Support Earnings And Dividend

Analysts have raised their fair value estimate for Five Star Bancorp to $42.80, citing slightly adjusted assumptions around revenue growth, profit margins, discount rate and future P/E that align with recent Street price target increases of $1 and $2. Analyst Commentary Recent Street research around Five Star Bancorp clusters around modest price target increases of $1 and $2, which line up with the updated fair value estimate of $42.80.
Narrative Update • Mar 23

FSBC: Steady Execution And Future P/E Should Support Earnings And Dividend

Analysts have adjusted their view on Five Star Bancorp with a modest price target increase of a few dollars, citing recent research updates from firms that have reaffirmed their outlook on the bank's valuation drivers. Analyst Commentary Recent research updates on Five Star Bancorp focus on modest upward adjustments to price targets, which signal incremental shifts in how analysts are thinking about valuation and execution risk.
Narrative Update • Mar 09

FSBC: Future P/E Expectations Will Support Earnings Quality And Dividend Durability

Analysts have nudged their fair value estimate for Five Star Bancorp slightly higher, with the target moving from $42.00 to about $42.60, reflecting updated assumptions around growth, profitability, and future P/E expectations. Analyst Commentary Recent research updates point to slightly higher fair value views for Five Star Bancorp, with price targets lifted in quick succession.
Narrative Update • Feb 22

FSBC: Future Earnings Multiple And Margin Resilience Will Shape Dividend Support

Analysts have nudged their price target on Five Star Bancorp higher by a few dollars to $42, pointing to updated views on fair value, discount rate, revenue growth, profit margin, and future P/E that are supported by recent research comments from firms raising their targets. Analyst Commentary Recent research commentary around Five Star Bancorp has focused on how current earnings, growth assumptions, and risk factors line up with the updated US$42 target price.
Narrative Update • Feb 06

FSBC: Execution And Earnings Multiple Assumptions Will Shape Future Dividend Support

Analysts have lifted their fair value estimate for Five Star Bancorp from US$40.80 to US$42.00, citing updated assumptions around discount rate, revenue growth, profit margin and future P/E that align with recent price target increases reported by firms covering the stock. Analyst Commentary Recent price target increases around US$42.00 reflect updated analyst views on how Five Star Bancorp’s valuation lines up with its execution and projected fundamentals.
Narrative Update • Jan 23

FSBC: Stable Revenue And Margin Outlook Will Support Future Dividend Potential

Analysts have kept their price target for Five Star Bancorp broadly unchanged at about $40.80. This reflects steady assumptions around fair value, a consistent discount rate, revenue growth near 18.34%, a profit margin close to 39.26% and a future P/E of roughly 11.35x.
Narrative Update • Jan 09

FSBC: Stable Assumptions And Margins Will Support Future Dividend Potential

Analysts nudged their price target on Five Star Bancorp slightly higher to US$40.80 from US$40.40, pointing to modest updates to their fair value models, discount rate, revenue growth assumptions and profit margin estimates, along with a marginally higher future P/E input. Valuation Changes Fair Value: Adjusted slightly higher from US$40.40 to US$40.80 per share.
Narrative Update • Dec 14

FSBC: Loan Resets And Lower Funding Costs Will Support Future Dividends

Analysts have nudged their price target for Five Star Bancorp higher to $37.00, citing expectations for improving profitability driven by annual loan rate resets, a declining cost of funds as base rates fall, and consistently strong credit quality that could support a more robust dividend profile. Analyst Commentary Recent commentary from bullish analysts highlights a constructive outlook on Five Star Bancorp, driven by the bank's earnings trajectory and balance sheet positioning as interest rate dynamics evolve.
Analysis Article • Dec 13

Here's Why We Think Five Star Bancorp (NASDAQ:FSBC) Might Deserve Your Attention Today

Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...
Narrative Update • Nov 28

FSBC: Regular Loan Rate Resets Will Drive Higher Profitability And Dividends

Analysts have maintained their price target for Five Star Bancorp at $40.40, citing expectations for further profitability improvement. This outlook is supported by stable credit quality and the potential for stronger dividend payouts.
Narrative Update • Nov 13

FSBC: Regular Loan Rate Resets Will Likely Drive Higher Profitability

Analysts have raised their price target for Five Star Bancorp from $38.20 to $40.40, citing expectations for improving profitability, stronger dividend potential, and robust credit quality. Analyst Commentary Analyst perspectives on Five Star Bancorp reflect a generally optimistic view regarding the company's outlook, with several key points of emphasis shaping their valuation and growth expectations.
Narrative Update • Oct 29

Profitability Improvements and Strong Credit Quality Will Support Lasting Value

Analysts have raised their fair value price target for Five Star Bancorp from $35.25 to $38.20. They cite the company's improving profitability and strong credit quality as supporting factors.
Analysis Article • Jul 24

Five Star Bancorp (NASDAQ:FSBC) Is Paying Out A Dividend Of $0.20

Five Star Bancorp ( NASDAQ:FSBC ) has announced that it will pay a dividend of $0.20 per share on the 11th of August...
Analysis Article • Apr 25

Five Star Bancorp (NASDAQ:FSBC) Has Announced A Dividend Of $0.20

The board of Five Star Bancorp ( NASDAQ:FSBC ) has announced that it will pay a dividend of $0.20 per share on the 12th...
Analysis Article • Jan 24

Five Star Bancorp (NASDAQ:FSBC) Is Due To Pay A Dividend Of $0.20

Five Star Bancorp's ( NASDAQ:FSBC ) investors are due to receive a payment of $0.20 per share on 10th of February. This...
Analysis Article • Oct 24

Five Star Bancorp (NASDAQ:FSBC) Has Affirmed Its Dividend Of $0.20

The board of Five Star Bancorp ( NASDAQ:FSBC ) has announced that it will pay a dividend of $0.20 per share on the 12th...
User avatar
New Narrative • Sep 24

Decisive Expansion And Prudent Financial Management Propel Bank's Growth In The San Francisco Bay Area

Expansion efforts and capital strengthening through a successful public offering and strategic human capital investments indicate potential revenue growth.
Analysis Article • May 10

Some Shareholders May Object To A Pay Rise For Five Star Bancorp's (NASDAQ:FSBC) CEO This Year

Key Insights Five Star Bancorp to hold its Annual General Meeting on 16th of May CEO James Beckwith's total...
Analysis Article • Apr 25

Five Star Bancorp (NASDAQ:FSBC) Is Due To Pay A Dividend Of $0.20

Five Star Bancorp ( NASDAQ:FSBC ) has announced that it will pay a dividend of $0.20 per share on the 13th of May. This...

Earnings and Revenue Growth Forecasts

NasdaqGS:FSBC - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/202721885N/AN/A4
12/31/202619476N/AN/A4
3/31/2026158677576N/A
12/31/2025149627173N/A
9/30/2025142576970N/A
6/30/2025132526869N/A
3/31/2025125486667N/A
12/31/2024119465152N/A
9/30/2024113433132N/A
6/30/2024112432930N/A
3/31/2024112453838N/A
12/31/2023114483839N/A
9/30/2023116505859N/A
6/30/2023115516060N/A
3/31/2023110484343N/A
12/31/2022104454546N/A
9/30/202296433131N/A
6/30/202291421718N/A
3/31/202287422324N/A
12/31/202183422829N/A
9/30/202180415555N/A
6/30/202175395050N/A
3/31/202172396364N/A
12/31/202066365151N/A
12/31/20195329N/A29N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: FSBC's forecast earnings growth (13% per year) is above the savings rate (3.5%).

Earnings vs Market: FSBC's earnings (13% per year) are forecast to grow slower than the US market (16.8% per year).

High Growth Earnings: FSBC's earnings are forecast to grow, but not significantly.

Revenue vs Market: FSBC's revenue (17.9% per year) is forecast to grow faster than the US market (11.7% per year).

High Growth Revenue: FSBC's revenue (17.9% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if FSBC's Return on Equity is forecast to be high in 3 years time

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/18 18:56
End of Day Share Price 2026/05/15 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Five Star Bancorp is covered by 6 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Gary TennerD.A. Davidson & Co.
null nullD.A. Davidson & Co.
Wood LayKeefe, Bruyette, & Woods