FSBC
Five Star Bancorp
Financial Services · Banks - Regional · NMS
$42.20
Close 2026-05-28
✗ ETHICAL FAIL

UNKNOWN MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$902.1M
Trailing P/E
13.40
Forward P/E
10.67
Rev Growth
+26.9%
Profit Margin
42.6%
ROE
15.5%
Analyst Target
$44.00
Recommendation
NONE
About Five Star Bancorp

Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. In addition, the company offers loan products, such as commercial real estate loans; commercial land and construction loans; residential real estate and construction loans; farmland loans; the U.S. small business administration loans; and consumer and other loans, as well as operating lines of credit. Further, its investment portfolio consists of U.S. government agency securities, mortgage-backed securities, and obligations of states and political subdivisions. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.

Ethical Screen
Business ActivityFAIL
Debt RatioN/A
Cash RatioN/A
Receivables RatioN/A
Revenue RatioN/A
OverallFAIL
Score Ethical: 50.0
Score Valuation: 71.5
Score Quality: 84.0
Score Combined: 59.4

Full Analysis

Opportunity scores, earnings history, insider transactions, institutional holders, analyst consensus, and more.

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Opportunity Scores
Valuation100.0
Quality89.5
Cash Flow50.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: SILVER · Score: 55.6 · Rank: #787
Insider Transactions
No insider transaction data.
Top Institutional Holders
No institutional holder data.
Additional Fundamentals
Enterprise Value
$344.1M
Price/Book
1.97
Beta
0.526
Analysts
5
Total Revenue (TTM)
$157.7M
Total Debt
$85.6M
Earnings Growth
+40.7%
Dividend Yield
237.0%
Short Ratio
3.76
Short % Float
0.0%
Employees
233

Elite Intelligence

Trade Consideration with position sizing, convergence signals, and risk analysis. Available to Elite members.

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Trade Consideration
The Opportunity
Score 59.4 (P94 — top 5.5% of scored tickers). Unknown Moat. Ethical FAIL. 5 analysts at None.
Price: $42.20 | Target: $45.10 (+7%)
Score
59
Moat
Unknown
Conviction
Standard
Upside
+7%
The Fundamentals
Revenue Growth+26.9%
Profit Margin42.6%
ROE15.5%
Forward P/E10.7
Market Cap$902.1M
Position Sizing Scenarios
Stop: $35.87 (-15%) | Entry: $42.20
SharesCostProfit to TargetR:R
To Consensus ($45.10, 5 analysts)
10$422.00+$29.00 (7%)0.5R
50$2,110.00+$145.00 (7%)0.5R
100$4,220.00+$290.00 (7%)0.5R
Risk Factors
  • Elevated short interest (3.76 days to cover)
The Verdict
Five Star Bancorp holds a unknown competitive moat and is growing revenue at +26.9%.
Quantitative Grade

A single score combining all analytical layers below. A is strongest, D is weakest.

B
Quant Score
59.1
Risk Grade
LOW_RISK
Layers
7
Quality: HIGH_SORTINO
Risk Profile

How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.

VaR 95%
-2.5%
worst expected daily loss, 19 in 20 days
CVaR 95%
-3.7%
avg loss on the worst 5% of days
Annual Volatility
Sortino Ratio
1.98
above 1.0 is good
Max Drawdown
-24.5%
Worst Day
Forward Outlook

Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.

30d Prob Up
90d Prob Up
Median Return 30d
Liquidity Score
60
Liquidity Grade
LIQUID
Trend & Momentum

What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?

Kalman Trend
Trend Strength
Momentum Signal
HMM Regime
RSI Signal
Technical Signals

Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.

MA Crossover
ABOVE_200
Bollinger Position
NEAR_UPPER
Beta
Relative Volume
1.4x
Short Interest
Financial Health

Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.

Altman Z-Score
below 1.81 = distress zone
Piotroski F-Score
Earnings Beat Rate
Earnings Consistency
Correlations

These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.

Most Correlated
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FMBH0.824
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Inverse Correlated
TickerCorrelation
SUNC-0.195
SUKOON.AE-0.155
CINECO.BH-0.153
4325.SR-0.141
2050.SR-0.139
Seasonality

Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.

Best Day
Tuesday
Worst Day
Friday
Best Month
Jul
Worst Month
Mar
Fri-Mon Effect
-0.4602993289027747
Momentum Rankings

How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.

1M Return
+5.4%
3M Return
+6.2%
6M Return
+26.6%
12M Return
+53.2%
Momentum Rank
#1156
Momentum Signal
UP

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