Five Star Bancorp Files $300M Mixed Securities Shelf
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 30 2026
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Should l Buy FSBC?
Five Star Bancorp files $300M mixed securities shelf
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Analyst Views on FSBC
Wall Street analysts forecast FSBC stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for FSBC is 38.00 USD with a low forecast of 37.00 USD and a high forecast of 40.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 41.120
Low
37.00
Averages
38.00
High
40.00
Current: 41.120
Low
37.00
Averages
38.00
High
40.00
About FSBC
Five Star Bancorp is a bank holding company that operates through its wholly owned subsidiary, Five Star Bank, a California state-chartered non-member bank. The Company provides a broad range of banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California through approximately eight branch offices. It offers a complete array of deposit products for small and medium-sized businesses, professionals, and individuals, including a variety of checking and savings accounts, time deposits, and money market accounts. The Company also provides a range of deposit services, including debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. It focuses primarily on commercial lending. It offers a variety of loans to small and medium-sized businesses, professionals, and individuals, including commercial real estate, commercial, commercial land and construction, and farmland loans.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Five Star Bancorp Reports Strong Q4 2025 Earnings Growth
- Significant Earnings Growth: Five Star Bancorp reported a net income of $17.6 million for Q4 2025, reflecting a 35% year-over-year increase, with earnings per share rising to $0.83, showcasing the company's strong performance in loans and deposits, thereby solidifying its market position.
- Dividend Increase: The company raised its quarterly cash dividend to $0.25 per share, an increase of $0.05, marking the first dividend hike since April 2023, which reflects management's confidence in future profitability.
- Loan and Deposit Growth: In 2025, Five Star Bank achieved a 15% growth in total loans and an 18% increase in deposits, with non-wholesale deposits rising by $738.1 million, indicating successful customer acquisition in a competitive market.
- Optimistic Future Outlook: Management anticipates a 10% growth in the balance sheet for 2026, emphasizing that sustained organic growth will be a strategic focus supported by the current team, while also monitoring capital needs and market competition.
See More
Five Star Bancorp (FSBC) Earnings Transcript
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Five Star Bancorp (FSBC) Earnings Call Transcript
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Five Star Bancorp Declares $0.25 Cash Dividend Per Share
- Dividend Announcement: Five Star Bancorp has declared a cash dividend of $0.25 per share, expected to be paid on February 9, 2026, indicating the company's continued strong financial performance and boosting investor confidence.
- Dividend Increase: This dividend marks a $0.05 increase from the previous payout, representing the first rise since April 2023, reflecting the company's successful organic growth strategy and commitment to clients and community partners.
- Shareholder Returns: The dividend will be paid to shareholders of record as of February 2, 2026, further solidifying the relationship between the company and its shareholders while enhancing market expectations for future performance.
- Company Background: Headquartered in Rancho Cordova, California, Five Star Bank operates nine branches and is dedicated to providing quality financial services, showcasing its competitive position in the local market.
See More
Five Star Bancorp to Report Q4 and FY 2025 Results on January 26, 2026
- Earnings Release Schedule: Five Star Bancorp is set to report its quarterly and annual financial results for the year ended December 31, 2025, after market close on January 26, 2026, reflecting the company's commitment to transparency and timely information disclosure.
- Live Webcast Meeting: Management will host a live webcast on January 27, 2026, at 1:00 PM ET to review the financial results with analysts and investors, enhancing engagement and communication with stakeholders.
- Information Access Channels: The webcast will be accessible via the 'News & Events' section of the company’s website, ensuring that investors can easily obtain the latest information, thereby improving accessibility and transparency.
- Company Background Overview: Five Star Bancorp is a bank holding company headquartered in Rancho Cordova, California, operating through its wholly owned subsidiary, Five Star Bank, which has nine branches in Northern California, demonstrating a solid foundation in the local market.
See More
Daily Upgrade Report for Validea Motley Fool Strategy - December 18, 2025
Validea's Small-Cap Growth Investor Model: Today's upgrades for Validea's Small-Cap Growth Investor model highlight Five Star Bancorp (FSBC), which saw its rating increase from 53% to 80% based on strong fundamentals and valuation, indicating growing interest in the stock.
Company Overview: Five Star Bancorp operates through its subsidiary, Five Star Bank, providing a range of banking services primarily to small and medium-sized businesses and individuals in Northern California, focusing on commercial lending and various deposit products.
Motley Fool's Influence: The investment strategy is based on the principles of Motley Fool, founded by David and Tom Gardner, who provide insights on investing and personal finance through various media, including a popular website and subscription services.
Validea's Research Service: Validea offers investment research based on the strategies of renowned investors like Warren Buffett and Benjamin Graham, aiming to provide stock analysis and model portfolios that have historically outperformed the market.
See More
Five Star Bancorp Reports Strong Q4 2025 Earnings Growth
- Significant Earnings Growth: Five Star Bancorp reported a net income of $17.6 million for Q4 2025, reflecting a 35% year-over-year increase, with earnings per share rising to $0.83, showcasing the company's strong performance in loans and deposits, thereby solidifying its market position.
- Dividend Increase: The company raised its quarterly cash dividend to $0.25 per share, an increase of $0.05, marking the first dividend hike since April 2023, which reflects management's confidence in future profitability.
- Loan and Deposit Growth: In 2025, Five Star Bank achieved a 15% growth in total loans and an 18% increase in deposits, with non-wholesale deposits rising by $738.1 million, indicating successful customer acquisition in a competitive market.
- Optimistic Future Outlook: Management anticipates a 10% growth in the balance sheet for 2026, emphasizing that sustained organic growth will be a strategic focus supported by the current team, while also monitoring capital needs and market competition.
See More
Five Star Bancorp (FSBC) Earnings Transcript
See More
Five Star Bancorp (FSBC) Earnings Call Transcript
See More
Five Star Bancorp Declares $0.25 Cash Dividend Per Share
- Dividend Announcement: Five Star Bancorp has declared a cash dividend of $0.25 per share, expected to be paid on February 9, 2026, indicating the company's continued strong financial performance and boosting investor confidence.
- Dividend Increase: This dividend marks a $0.05 increase from the previous payout, representing the first rise since April 2023, reflecting the company's successful organic growth strategy and commitment to clients and community partners.
- Shareholder Returns: The dividend will be paid to shareholders of record as of February 2, 2026, further solidifying the relationship between the company and its shareholders while enhancing market expectations for future performance.
- Company Background: Headquartered in Rancho Cordova, California, Five Star Bank operates nine branches and is dedicated to providing quality financial services, showcasing its competitive position in the local market.
See More
Five Star Bancorp to Report Q4 and FY 2025 Results on January 26, 2026
- Earnings Release Schedule: Five Star Bancorp is set to report its quarterly and annual financial results for the year ended December 31, 2025, after market close on January 26, 2026, reflecting the company's commitment to transparency and timely information disclosure.
- Live Webcast Meeting: Management will host a live webcast on January 27, 2026, at 1:00 PM ET to review the financial results with analysts and investors, enhancing engagement and communication with stakeholders.
- Information Access Channels: The webcast will be accessible via the 'News & Events' section of the company’s website, ensuring that investors can easily obtain the latest information, thereby improving accessibility and transparency.
- Company Background Overview: Five Star Bancorp is a bank holding company headquartered in Rancho Cordova, California, operating through its wholly owned subsidiary, Five Star Bank, which has nine branches in Northern California, demonstrating a solid foundation in the local market.
See More
Daily Upgrade Report for Validea Motley Fool Strategy - December 18, 2025
Validea's Small-Cap Growth Investor Model: Today's upgrades for Validea's Small-Cap Growth Investor model highlight Five Star Bancorp (FSBC), which saw its rating increase from 53% to 80% based on strong fundamentals and valuation, indicating growing interest in the stock.
Company Overview: Five Star Bancorp operates through its subsidiary, Five Star Bank, providing a range of banking services primarily to small and medium-sized businesses and individuals in Northern California, focusing on commercial lending and various deposit products.
Motley Fool's Influence: The investment strategy is based on the principles of Motley Fool, founded by David and Tom Gardner, who provide insights on investing and personal finance through various media, including a popular website and subscription services.
Validea's Research Service: Validea offers investment research based on the strategies of renowned investors like Warren Buffett and Benjamin Graham, aiming to provide stock analysis and model portfolios that have historically outperformed the market.
See More
