Five Star Bancorp (FSBC) stock
FSBCNasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 13/3012% above fair value
$44.30−0.12 (-0.27%)
Close on Nov 12, 2026Market cap $1.09BP/E 12.5Yield 1.81%
Five Star Bancorp statistics
89 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 26, 2027 (estimated, after the close)
- Last ex-dividend date
- Nov 2, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 11, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.77
- 1.52
- P/OCF Ratio
- 12.14
- 9.79
Enterprise valuationIndustry
- EV / Sales
- 2.17
- 2.94
- EV / FCF
- 4.66
- 8.57
Share statisticsIndustry
- Shares Change (YoY)
- 3.05%
- 0.35%
- Shares Change (QoQ)
- 14.6%
- 0.00%
- Float
- 20M
- 17M
- Shares Held by Insiders
- 18.1%
- 6.05%
- Shares Held by Institutions
- 52.9%
- 61.3%
Short sellingIndustry
- Short Interest
- 1M
- –
- Short Interest Change
- -3.67%
- -4.13%
- Short % of Float
- 6.15%
- 3.58%
- Short % of Shares Outstanding
- 5.04%
- 3.18%
- Days to Cover
- 8.75
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $50.26
- –
- 52-Week Low
- $32.20
- –
- 20-Day Moving Average
- $44.30
- –
- 50-Day Moving Average
- $44.26
- –
- 200-Day Moving Average
- $43.04
- –
- Average True Range (14)
- $1.24
- –
- Price Change (1 Week)
- -1.92%
- -1.41%
- Price Change (1 Month)
- 3.98%
- 4.46%
- Price Change (3 Months)
- -5.69%
- -3.31%
- Price Change (6 Months)
- 9.41%
- 11.6%
- Price Change (YTD)
- 24.1%
- 19.9%
- Price Change (1 Year)
- 28.9%
- 26.0%
- Price Change (3 Years)
- 109.5%
- 77.4%
- Price Change (5 Years)
- 57.3%
- 26.4%
- Average Volume (10 Days)
- 142,395
- –
- Average Volume (20 Days)
- 141,579
- –
- Average Volume (90 Days)
- 178,770
- –
- Relative Volume
- 0.63
- 0.62
- Relative Strength Index (14)
- 51.2
- 53.1
- Volatility (1 Year)
- 22.2%
- 24.4%
- Beta (5 Years)
- 0.81
- 0.63
MarginsIndustry
- Pretax Margin
- 54.8%
- 36.9%
- FCF Margin
- 46.6%
- 33.8%
Returns on capitalIndustry
- Return on Equity (ROE)
- 14.8%
- 10.8%
- Return on Assets (ROA)
- 1.52%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 26.0%
- 11.8%
- Net Income Growth (YoY)
- 35.4%
- 23.2%
- EPS Growth (YoY)
- 30.7%
- 21.9%
- FCF Growth (YoY)
- 26.9%
- 27.5%
- Revenue Growth (3Y CAGR)
- 12.9%
- 5.82%
- Revenue Growth (5Y CAGR)
- 16.3%
- 6.17%
- EPS Growth (3Y CAGR)
- 3.57%
- 1.31%
- EPS Growth (5Y CAGR)
- -4.07%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.04
- 0.04
- Revenue Per Employee
- $811.76K
- $360.35K
- Profits Per Employee
- $332.93K
- $110.51K
- Employee Count
- 233
- 492
- WACC
- 8.93%
- 7.91%
Income statement (TTM)Industry
- Pretax Income
- $103.66M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $679.48M
- $166.15M
- Net Cash Per Share
- $27.69
- $8.19
- Equity (Book Value)
- $617.21M
- $570.13M
- Book Value Per Share
- $25.15
- $28.22
- Tangible Book Value
- $617.21M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$1.70M
- -$4.27M
- FCF Per Share
- $3.59
- $3.33
Dividends and yieldsIndustry
- Earnings Yield
- 7.12%
- 8.32%
- FCF Yield
- 8.08%
- 9.23%
- Dividend Yield
- 1.80%
- 2.45%
- Shareholder Yield
- 1.80%
- 3.21%
- Dividend Per Share
- $0.80
- $0.92
- Dividend Growth (YoY)
- 0.00%
- 4.26%
- Years of Dividend Growth
- 0
- 2
- Payout Ratio
- 27.2%
- 29.0%
- FCF Payout Ratio
- 24.0%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $26.09M
- $16.14M
- Effective Tax Rate
- 25.2%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $44.70
- $45.31
- Graham Upside
- 0.63%
- 18.8%
- Altman Z-Score
- 0.22
- 0.22
- Piotroski F-Score
- 6
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | FSBC | S&P 500 | Difference | FSBC per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +4.2% | -2.7% | +6.9 pts | ||
| 3 months | -5.6% | -1.7% | −3.9 pts | ||
| Year to date | +26.7% | +11.9% | +14.8 pts | ||
| 1 year | +29.0% | +12.0% | +17.1 pts | ||
| 3 years | +126.4% | +78.2% | +48.2 pts | +31.3% | +21.2% |
| 5 years | +80.0% | +73.2% | +6.7 pts | +12.5% | +11.6% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M FSBC shares were sold short on Oct 30, 2026, down 3.7% from the previous report, or 6.15% of the shares available to trade. At recent volumes it would take 8.8 days to buy them back. Over the last 20 sessions, 64.5% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 1,235,424 | -3.7% | 141,230 | 8.8 |
| Oct 15, 2026 | 1,282,545 | +0.3% | 149,703 | 8.6 |
| Sep 30, 2026 | 1,278,886 | +39.0% | 247,875 | 5.2 |
| Sep 15, 2026 | 920,047 | +19.3% | 151,265 | 6.1 |
| Aug 31, 2026 | 771,327 | -9.5% | 168,710 | 4.6 |
| Aug 14, 2026 | 852,521 | +27.9% | 147,404 | 5.8 |
| Jul 31, 2026 | 666,484 | -1.3% | 273,270 | 2.4 |
| Jul 15, 2026 | 675,151 | +5.6% | 118,552 | 5.7 |
| Jun 30, 2026 | 639,498 | +18.0% | 202,806 | 3.1 |
| Jun 15, 2026 | 541,840 | +24.7% | 127,997 | 4.2 |
| May 29, 2026 | 434,680 | +13.4% | 90,346 | 4.8 |
| May 15, 2026 | 383,284 | +11.0% | 81,435 | 4.7 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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