Five Star Bancorp

FSBC

Banks - Regional · Financial Services

Price

$47.35

+0.14 (+0.30%)

Market Cap

$1.14B

Exchange

NASDAQ

Winston Score

Winston is happy

A high-quality business with solid fundamentals.

Data as of Aug 13, 2026 · filings through Jun 30, 2026

How the score breaks down

Bank Quality

Exceptional

Growth

Strong

Capital Strength

Strong

Asset Quality

Exceptional

Valuation

Good

Dividends

Good

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Share count rising — dilution

+41.9% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 15.0M (2021) → 21.3M (2025)

Winston Score History

The full picture

Five Star Bancorp is the parent company of Five Star Bank, a regional bank based in Sacramento, California. It serves individuals, small businesses, and commercial real estate investors in the greater Sacramento area and nearby Northern California markets. The bank offers standard banking products like checking and savings accounts, loans, and deposit services, with a particular focus on commercial real estate lending.

Five Star Bancorp makes money primarily through net interest income — the difference between what it earns on loans and what it pays depositors. It operates entirely within California, making it a geographically concentrated community bank with roughly $4 billion in assets. Its local focus gives it strong relationships in its home market, but that same concentration is also a key risk — the bank is heavily exposed to California's commercial real estate market, which faces pressure from rising interest rates and shifting property values. Continued loan growth in its core Sacramento market is the main driver of future earnings.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+19.7% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+33.8% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

27.3%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$137M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Five Star Bancorp is a rare growth stock that's already generating positive cash flow while growing at 20%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on Equity

15.8%

no trend

Exceptional — 15.8% return on equity

15-25% on shareholder equity is strong — clearly beating cost of capital.

Net Interest Margin

3.85%

no trend

Wide spread — 3.85% net interest margin

Efficiency Ratio

36.2%

no trend

Very lean — spends 36.2¢ to earn a dollar

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Growth

Sales YoY

+19.5%

Fast-growing sales (+19.5% YoY)

EPS YoY

+38.4%

Earnings growing fast (+38.4% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Capital Strength

Capital Ratio

11.7%

no trend

Well capitalised — 11.7% CET1

A solid capital cushion. The bank can take some loan losses and keep going.

Asset Quality

Non-Performing Loans

0.07%

no trend

Clean loan book — 0.07% non-performing

Under half a percent of loans are going bad. A very clean loan book.

Net Charge-Offs

0.06%

no trend

Minimal losses — 0.06% net charge-offs

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Valuation

P/E Ratio (TTM)

14.0x

Attractive valuation — P/E 14.0

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+0.4

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

1.91%

Small dividend — 1.91% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+18.7%

Dividend growing fast (18.7% YoY)

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