Part of the financial services sector, Five Star Bancorp (FSBC) is listed under Banks - Regional. The $1.04B market capitalization puts FSBC squarely in small-cap range for its industry. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits.
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Five Star Bancorp holds $644.5M in cash against $85.6M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. ROE of 15.5% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.5% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $108.9M (2022) to $157.0M (2025), reflecting a 44% increase over the period.
FSBC's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. With cash comfortably exceeding debt, FSBC has financial flexibility that may help navigate uncertain periods. No single metric tells the full story. Reviewing FSBC's risk profile alongside its fundamentals and technical indicators provides a more complete picture.