Stocks · Financial Services · Banks - Regional
Five Star Bancorp FSBC
$43.65 +1.70% Close, Oct 2, 2026 · NASDAQ · Market cap $1.05B
Strong growth
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 7 quarters (average surprise over the last four: +7.7%).
- Diluted EPS over the last four quarters was $3.38, up 38.0% year over year.
- The stock is in an uptrend: above its 200-day average for 290 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth84Strong
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 23%
- EPS growth (TTM, YoY)Top 28%
- FCF growth (TTM, YoY)Bottom 50%
- Revenue growth, 3-year CAGRTop 18%
- Revenue growth accelerationBottom 46%
Quality46Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 13%
- Gross marginBottom 38%
- Operating marginTop 21%
- Cash conversion (OCF / net income)Bottom 48%
- Accruals (lower is better)Bottom 44%
- Net debt / EBITDA (lower is better)Top 35%
- Interest coverBottom 49%
Value50Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 40%
- Free-cash-flow yieldBottom 48%
- EBITDA / enterprise valueTop 33%
- Sales / enterprise valueBottom 38%
- P/E vs own 5-year history (lower is better)Bottom 31%
Momentum72Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 10%
- 6-month returnTop 31%
- 1-year return vs S&P 500Top 15%
- Distance from 52-week highBottom 40%
- Trend checklist (0–4)Top 48%
Revisions80Strong
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 36%
- Consecutive EPS beatsTop 16%
- Share of analysts rating BuyTop 47%
- Upside to consensus price targetTop 33%
Stability62Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 35%
- Maximum drawdown, 3 yearsTop 37%
- Beta vs S&P 500 (lower is better)Bottom 34%
- Net debt / EBITDA (lower is better)Top 35%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 20.2% | 19.5% | ↓ |
| EPS growth (YoY) | 38.2% | 38.0% | ↓ |
| Gross margin | 56.1% | 60.4% | ↑ |
| Operating margin | 31.4% | 34.6% | ↑ |
| FCF margin | 29.2% | 28.9% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 19.5% | 20.2% | ↓ | Top 23% |
| EPS growth (TTM, YoY) | 38.0% | 38.2% | ↓ | Top 28% |
| Gross margin | 60.4% | 56.1% | ↑ | Bottom 38% |
| Operating margin | 34.6% | 31.4% | ↑ | Top 21% |
| Net margin | 25.9% | 22.3% | ↑ | — |
| Free-cash-flow margin | 28.9% | 29.2% | ↓ | — |
| Return on invested capital | -1.5% | — | Bottom 13% | |
| Revenue growth, 3-year CAGR | 27.3% | — | Top 18% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.14×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.28×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.83%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 1.83%
- Share count change, 1 year
- +0.1%
- Share count change, 3-year CAGR
- +7.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 7
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +7.7%
- Average 2-day reaction, last 8
- +0.6%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $53.00
- Target vs current price
- +21.4%
- Analysts with a rating
- 4
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +5.8% | -1.9% | -3.0% | -5.6% | — |
| Apr 27, 2026 | +8.7% | +0.7% | +1.5% | +3.6% | +19.4% |
| Jan 26, 2026 | +7.8% | +1.5% | +3.6% | +3.3% | +5.3% |
| Oct 27, 2025 | +8.5% | -0.1% | -0.3% | -5.0% | +11.7% |
| Jul 23, 2025 | +4.6% | -0.2% | +1.7% | +2.4% | +7.5% |
| Apr 28, 2025 | +1.6% | +0.2% | +4.4% | +2.3% | +12.7% |
| Jan 27, 2025 | +6.8% | +2.1% | +1.8% | +4.1% | -9.6% |
| Oct 28, 2024 | -1.9% | +2.6% | +1.6% | +12.4% | +0.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $0.91 | $0.86 | +5.8% | $48.0M |
| Apr 27, 2026 | $0.87 | $0.80 | +8.7% | $45.1M |
| Jan 26, 2026 | $0.83 | $0.77 | +7.8% | $40.7M |
| Oct 27, 2025 | $0.77 | $0.71 | +8.5% | $41.0M |
| Jul 23, 2025 | $0.68 | $0.65 | +4.6% | $38.3M |
| Apr 28, 2025 | $0.62 | $0.61 | +1.6% | $35.0M |
| Jan 27, 2025 | $0.63 | $0.59 | +6.8% | $34.8M |
| Oct 28, 2024 | $0.52 | $0.53 | -1.9% | $31.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.9× | 11.1× | 76th | Top 40% |
| P/E (forward) | 12.5× | — | — | — |
| EV / EBITDA | 10.9× | — | — | Top 33% |
| EV / Sales | 3.88× | — | — | Bottom 38% |
| Free-cash-flow yield | 7.65% | — | — | Bottom 48% |
| Earnings yield | 7.74% | — | — | Top 40% |
P/E over the past five years
Range 6.5× – 14.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +36.0%
- Earnings per share growth (TTM)
- +38.0%
- Change in P/E multiple
- +15.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 290
- 50-day average slope (20 days)
- -3.3%
- 200-day average slope (20 days)
- +2.4%
- Distance from 50-day average
- -4.4%
- Distance from 200-day average
- +3.6%
- RSI (14)
- 41.9
- Relative volume
- 0.68×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.9%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.84
- Correlation with S&P 500
- 0.51
- Current drawdown from 1-year high
- -12.1%
- Maximum drawdown, 3 years
- -25.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 6, 2021 | May 11, 2023 | -43.0% | 359 days | 375 days (Nov 6, 2024) |
| Dec 11, 2024 | Apr 10, 2025 | -25.0% | 81 days | 110 days (Sep 18, 2025) |
| Jun 15, 2021 | Sep 21, 2021 | -19.3% | 68 days | 31 days (Nov 3, 2021) |
| Jul 16, 2026 | Sep 29, 2026 | -14.7% | 52 days | Not yet recovered |
| Feb 6, 2026 | Mar 18, 2026 | -13.1% | 27 days | 21 days (Apr 17, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.05B
- P/E (TTM)
- 12.9
- EPS, diluted (TTM)
- $3.38
- Revenue (TTM)
- $278.2M
- Dividend yield
- 2.18%
- 52-week range
- $30.68 – $50.26
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $87.8M | $123.8M | $180.7M | $212.2M | $255.5M |
| Gross profit | $82.1M | $102.2M | $113.2M | $118.0M | $148.7M |
| Operating income | $47.1M | $62.9M | $66.6M | $64.7M | $83.7M |
| Net income | $42.4M | $44.8M | $47.7M | $45.7M | $61.6M |
| EPS (diluted) | $2.83 | $2.61 | $2.78 | $2.26 | $2.90 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $53.8M | $59.1M | $58.1M | $62.0M | $66.5M | $67.8M | $69.7M | $74.2M |
| Net income | $10.9M | $13.3M | $13.1M | $14.5M | $16.3M | $17.6M | $18.6M | $19.4M |
| EPS (diluted) | $0.52 | $0.63 | $0.62 | $0.68 | $0.77 | $0.83 | $0.87 | $0.91 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $28.7M | $46.0M | $38.9M | $51.8M | $72.6M |
| Capital expenditure | -$717,000 | -$481,000 | -$653,000 | -$628,000 | -$1.2M |
| Free cash flow | $27.9M | $45.5M | $38.3M | $51.2M | $71.4M |
| Dividends paid | -$51.9M | -$15.3M | -$12.9M | -$16.2M | -$17.1M |
| Net share buybacks | $111.2M | $0 | $0 | $80.9M | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $136.6M
- Total assets
- $5.38B
- Total liabilities
- $4.90B
- Total debt
- $74.1M
- Net debt
- $28.1M
- Shareholders’ equity
- $473.8M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 3, 2026 | $0.25 | Aug 10, 2026 |
| May 4, 2026 | $0.25 | May 11, 2026 |
| Feb 2, 2026 | $0.25 | Feb 9, 2026 |
| Nov 3, 2025 | $0.20 | Nov 10, 2025 |
| Aug 4, 2025 | $0.20 | Aug 11, 2025 |
| May 5, 2025 | $0.20 | May 12, 2025 |
| Feb 3, 2025 | $0.20 | Feb 10, 2025 |
| Nov 4, 2024 | $0.20 | Nov 12, 2024 |
Short interest
- Shares sold short
- 920,047
- Days to cover
- 6.08
- Change vs previous report
- +19.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 15, 2016
- 2,721-for-2,500