Five Star Bancorp
FSBCFinancial ServicesNASDAQBanks - Regional · Last scanned Jun 3, 2026
Scan Results
Daily timeframeFive 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. The $915.3M 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.
Market Cap
$915.3M
Beta
0.53
P/E (TTM)
13.59
P/E (Fwd)
10.83
EPS (TTM)
$3.15
EPS (Fwd)
$3.95
ROE
15.5%
ROA
1.5%
Cash
$644.5M
Total Debt
$85.6M
Free CF
—
52W Change
57.1%
Annual Financials
Cash vs Debt
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.
With a beta below 0.7, Five Star Bancorp typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Five Star Bancorp and its sector.