What is Five Star Bancorp's (FSBC) StockRank?

MoatMap's StockRank for Five Star Bancorp (FSBC) is 68/100, with a Buy signal. This is a composite score combining Quality (67), Value (28), and Momentum (66) factor ranks across MoatMap's 20,000+ stock universe.

Does Five Star Bancorp have an economic moat?

Five Star Bancorp (FSBC) has a Quality factor score of 67/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Five Star Bancorp a buy, hold, or sell?

MoatMap's current signal for Five Star Bancorp (FSBC) is Buy, based on a StockRank of 68/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Five Star Bancorp in?

Five Star Bancorp (FSBC) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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FSBC

BUY

Five Star Bancorp · Financial Services · United States · $1.0B · Avg Vol: $9M/d

StockRank

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P/E (TTM)

15.6x

ROE

15.5%

D/E

0.2x

Dividend %

1.8%

COMPANY DESCRIPTION

Five Star Bancorp is the holding company for Five Star Bank, a community bank serving businesses and individuals in Northern California with a range of commercial banking services. Its competitive moat lies in deep local market knowledge, personalized customer service, and strong relationships with small and medium-sized businesses in its niche geographic area. The bank is a prominent community-focused financial institution, priding itself on responsive and relationship-driven banking.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	108.9M	117.2M	125.0M	157.0M	13.0%	157.7M	195.8M	225.4M	19.8%
EPS	2.61	2.78	2.26	2.90	3.6%	3.15	3.46	3.80	14.4%
Shares	17.2M	17.3M	21.3M	21.4M	+23.9%	21.4M	—	—	—
Debt	177.8M	249.4M	80.8M	85.9M	-21.5%	85.6M	—	—	—
Equity	252.8M	285.8M	396.6M	445.8M	20.8%	—	—	—	—
Op CF	46.0M	38.9M	51.8M	72.6M	16.5%	76.1M	—	—	—
Inv CF	-836.9M	-279.3M	-446.7M	-544.1M	—	—	—	—	—
Fin CF	625.6M	301.9M	425.7M	626.0M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+5.1%

SMA 50SMA 200

$46.81

RSI (14)

37.8

52W High

$50.26

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.4%*48.3

ROE

15.5%76.4

GP/Assets

3.3%N/A

Op. Margin

60.3%79.6

FCF/Assets

1.6%N/A

Piotroski

683.6

Int. Cover

—50.0

D/E Ratio

0.19xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

15.6x38.3

EV/EBITDA

bankN/A

P/FCF

13.4xN/A

P/B

2.3x20.4

P/S

6.6x27.3

Div Yield

1.8%18.6

Momentum

52W High %

93%50.7

RS 6M

11%80.1

SMA 50/200

1.16x88.9

EPS Rev 4W

-0.3%57.0

EPS Rev 12W

+0.9%66.8

EPS Improve

+25%53.9

Q Growth

42%71.6

FUNDAMENTALS

Market Cap

$1.0B

P/E (Forward)

12.4x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FSBC are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
FSBC	Five Star Bancorp(you)	$1.0B	68	BUY
TRST	TrustCo Bank Corp NY	$977M	67	BUY
MBWM	Mercantile Bank Corporation	$1.0B	65	BUY
NBN	Northeast Bank	$1.1B	69	BUY
GSBC	Great Southern Bancorp, Inc.	$863M	67	BUY
SMBC	Southern Missouri Bancorp, Inc.	$855M	67	BUY
SPFI	South Plains Financial, Inc.	$841M	68	BUY
CCBG	Capital City Bank Group, Inc.	$882M	65	BUY
HFWA	Heritage Financial Corporation	$1.2B	67	BUY
SBSI	Southside Bancshares, Inc.	$1.0B	62	HOLD

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Price	$46.81
Market Cap	$1.0B
P/E (TTM)	15.57
P/E (Forward)	12.43
Price/Book	2.29
Return on Equity	15.5%
Debt/Equity	0.19x
Operating Margin	60.3%
Revenue Growth	26.9%
Dividend Yield	1.8%
Free Cash Flow	$75M