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

MoatMap's StockRank for Five Star Bancorp (FSBC) is 62/100, with a Hold signal. This is a composite score combining Quality (67), Value (32), and Momentum (58) factor ranks across MoatMap's universe of 25,000+ stocks.

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 Hold, based on a StockRank of 62/100. 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

HoldPremium Grower

Five Star Bancorp · Financial Services · United States · $1.1B · Avg Vol: $7M/d

StockRank

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P/E (TTM)

13.9x

ROE

16.2%

D/E

0.2x

Dividend %

2.0%

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%	167.6M	195.9M	227.2M	20.3%
EPS	2.61	2.78	2.26	2.90	3.6%	3.38	3.50	3.75	13.7%
Shares	17.2M	17.3M	21.3M	21.4M	+23.9%	24.5M	—	—	—
Debt	177.8M	249.4M	80.8M	85.9M	-21.5%	85.4M	—	—	—
Equity	252.8M	285.8M	396.6M	445.8M	20.8%	—	—	—	—
Op CF	46.0M	38.9M	51.8M	72.6M	16.5%	82.0M	—	—	—
Inv CF	-836.9M	-279.3M	-446.7M	-544.1M	—	—	—	—	—
Fin CF	625.6M	301.9M	425.7M	626.0M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-1.6%

SMA 50SMA 200

$46.49

RSI (14)

64.3

52W High

$49.99

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.5%*49.1

ROE

16.2%77.5

GP/Assets

3.5%N/A

Op. Margin

58.4%77.2

FCF/Assets

1.6%N/A

Piotroski

685.8

Int. Cover

—50.0

D/E Ratio

0.19xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

13.9x44.4

EV/EBITDA

bankN/A

P/FCF

15.0xN/A

P/B

2.1x23.6

P/S

6.9x23.9

Div Yield

2.0%25.7

Momentum

52W High %

93%59.9

RS 6M

15%78.8

SMA 50/200

1.14x84.2

EPS Rev 4W

+0.3%43.2

EPS Rev 12W

-5.3%10.9

EPS Improve

+11%36.3

Q Growth

34%64.2

FUNDAMENTALS

Market Cap

$1.1B

P/E (Forward)

12.5x

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)	$1.1B	62	Hold
MCBS	MetroCity Bankshares, Inc.	$1.0B	64	Hold
AMTB	Amerant Bancorp Inc.	$1.1B	58	Hold
MBWM	Mercantile Bank Corporation	$1.0B	65	Buy
NBBK	NB Bancorp, Inc.	$984M	61	Hold
TRST	TrustCo Bank Corp NY	$973M	60	Hold
PFBC	Preferred Bank	$1.2B	66	Buy
GSBC	Great Southern Bancorp, Inc.	$859M	61	Hold
HFWA	Heritage Financial Corporation	$1.2B	56	Hold
NBN	Northeast Bank	$1.1B	69	Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$46.49
Market Cap	$1.1B
P/E (TTM)	13.89
P/E (Forward)	12.54
Price/Book	2.12
Return on Equity	16.2%
Debt/Equity	0.19x
Operating Margin	58.4%
Revenue Growth	27.6%
Dividend Yield	2.0%
Free Cash Flow	$75M