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Five Star Bancorp
Five Star Bancorp (FSBC) is listed on NASDAQ and classified in Banks - Regional, part of the Financial Services sector. It is headquartered in Rancho Cordova, United States and has 233 employees. The company is worth $1.05B and trades at 12.7x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $158.44M in fiscal 2025, up 25.6% from the year before. Net income was $61.61M. The share price is 14.5% below its 52-week high of $50.26. It pays a dividend yielding 2.33%. 4 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Cliff Asness (AQR Capital Management), at $2.5M. In that quarter, 1 of them opened or added to the position. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
▲ +44.8% over 5Y.
today you would have $1,788.11▲ +78.8%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 5 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Year-end price | $35.78 | $30.09 | $26.18 | $27.24 | $30.00 | |
| P/E | 10.6x | 12.3x | 13.3x | 9.4x | 10.4x | 10.6x |
| P/S | 4.8x | 4.8x | 5.1x | 3.8x | 4.3x | 6.1x |
| P/B | 1.7x | 1.7x | 1.6x | 1.6x | 1.9x | 2.2x |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 0.0% a year plus a 2.3% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 10.6 across this company’s own years on record.
Cash flow growing 5.0% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Dividend growing 0.0% a year against a 7.0% required return, from the stock’s beta.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| IGICInternational General Insurance Holdings Ltd. | $24.61 | 9.9x | 1.5x | 5.69% | 16.26% | $1.05B |
| MBWMMercantile Bank Corp | $60.42 | 10.8x | 1.4x | 2.65% | 13.63% | $1.04B |
| CCNECnb Financial Corp | $35.24 | 10.6x | 1.3x | 2.16% | 12.42% | $1.04B |
| CFFNCapitol Federal Financial, Inc. |
| EPS |
| $2.90 |
| $2.26 |
| $2.78 |
| $2.61 |
| $2.83 |
| Dividend yield | 2.24% | 2.24% | 2.66% | 2.86% | 2.20% | 1.00% |
| Payout | 26.98% | 27.59% | 35.40% | 26.98% | 22.99% | 10.60% |
| Profit margin | 40.32% | 38.88% | 36.20% | 40.32% | 40.64% | 49.99% |
| ROE | 16.70% | 13.82% | 11.51% | 16.70% | 17.72% | 18.06% |
Median of the years shown; P/E years above 200x are left out.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
6 methods answered, across 3 families.
Room for errors in the reported numbers.
-5.2% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| $8.33 |
| 12.8x |
| 1.0x |
| 4.08% |
| 8.01% |
| $1.03B |
| HBNCHorizon Bancorp Inc | $19.99 | — | 1.4x | 3.20% | -18.98% | $1.03B |
| BFSTBusiness First Bancshares, Inc. | $31.31 | 11.1x | 1.1x | 1.92% | 10.01% | $1.02B |