FSBC · Five Star Bancorp
$45.15
+0.11 (+0.24%)
At close · Aug 21
Market Cap
$1.10B
Shares
24.54M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$45.15
Open$45.33
Day$44.49–45.65
52W close$31.11–49.68
Avg vol 30d207K
Short int666K · 2.7% float · 2.4d
Short vol56%
Last earningsJul 22, 2026
DataMay 2021–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 21, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Very Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 15.1 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+11%
above
Price vs 50-day avg
−4%
below
RSI (14)
36
neutral
MACD trend
Negative
52-week position
76%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−4%
trailing
6-month return
+15%
trailing
YTD return
+26%
this year
Relative strength
+4%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $47 › 200d $41 — 50d above 200d
Institutional flow
Accumulating
+26% holders QoQ · +49 funds added
Insider flow
Accumulating
Net +$6.2M over 90 days · 14% sells
Short interest
Falling
2.72% of float · ▼ -1.3% MoM · 2.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
167 holders — near 3-yr high, broad support
Squeeze score
46
elevated · 0–100
Fundamentals
EPS growth
+28%
Y/Y
Free cash flow
$71.4M
Valuation
P/E 13.3
in line
Balance sheet
$425.3M
net cash
Quant / Vol
risk profile
Volatility
25%
annualized · 1-yr
Max drawdown
−13%
past year
ATR
2.6%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Jun 30, 2023
Tax rate
· going forward
29.03%
Prior guidance
period ended
· from the Earnings Call filed Dec 31, 2023
Net interest margin
· Q1
3.15% – 3.2%
Loan growth
· 2024
8%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+11%
Bullish
Price vs 50-day avg
−4%
Neutral
RSI (14)
36
Neutral
MACD trend
Negative
Bearish
52-week position
76%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 4 of 6
Trend (MA cross)
No cross
50d $47 › 200d $41 — 50d above 200d
Institutional flow
Accumulating
+26% holders QoQ · +49 funds added
Insider flow
Accumulating
Net +$6.2M over 90 days · 14% sells
Short interest
Falling
2.72% of float · ▼ -1.3% MoM · 2.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
167 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $31
Now $45 · 76%
Range high $50
vs 200-day avg +11%
vs 50-day avg -4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses to loans held for investment | 1.05% | Q2 2026 | — |
| Average Age of Relationships > $5 million | 7.39 | Q2 2026 | — |
| Average Deposit Account Balance | $294,000 | Q2 2026 | — |
| Average loan yield, excluding PPP loans non-GAAP | 6.08% | Q2 2026 | — |
| Cash and cash equivalents as percentage of total deposits | 14.27% | Q2 2026 | — |
| Common equity Tier 1 capital (to risk-weighted assets) | 9.98% | Three months ended June 30, 2026 | — |
| Common equity Tier 1 capital ratio | 9.98% | June 30, 2026 | — |
| Common Equity Tier 1 to RWA | 12.51% | Q2 2026 | — |
| Deposits as percentage of total liabilities | 97.88% | Q2 2026 | — |
| Efficiency ratio | 40.91% | Three months ended June 30, 2026 | — |
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| Insured and collateralized deposits as percentage of total deposits | 65.8% | Q2 2026 | — |
| Loan to deposit | 94.17% | Three months ended June 30, 2026 | — |
| Loans Held for Investment | $4.52B | Q2 2026 | — |
| Net Charge-offs to Average Loans HFI | 0.3% | Q2 2026 | — |
| Net interest margin | 3.63% | Three months ended June 30, 2026 | — |
|
|
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| Non-interest-bearing deposits as percentage of total deposits | 24.47% | Q2 2026 | — |
| Nonperforming Loans | $13.4M | Q2 2026 | — |
| Number of Accounts | 16,385 | Q2 2026 | — |
| Number of Business Development Officers | 45 | June 30, 2026 | — |
| Pre-tax, pre-provision income non-GAAP | $28.34M | Three months ended June 30, 2026 | — |
|
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| Ratio of nonperforming loans to loans held for investment | 0.3% | Three months ended June 30, 2026 | — |
| Return on average assets (ROAA) | 1.49% | Three months ended June 30, 2026 | — |
| Return on average equity (ROAE) | 16.67% | Three months ended June 30, 2026 | — |
|
|
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| Tangible book value per share non-GAAP | $22.14 | Three months ended June 30, 2026 | — |
| Tangible shareholders' equity to tangible assets non-GAAP | 8.81% | Q2 2026 | — |
| Tier 1 capital (to risk-weighted assets) | 9.98% | Q2 2026 | — |
| Tier 1 Capital to RWA | 9.98% | Q2 2026 | — |
| Tier 1 Leverage Ratio | 9.21% | Q2 2026 | — |
| Total capital (to risk-weighted assets) | 12.51% | Q2 2026 | — |
| Total Capital to RWA | 9.98% | Q2 2026 | — |
| Total Deposits | $4.8B | Q2 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
FSBC
this stock
Five Star Bancorp
|
$1.10B | +26.2% | — | 13.3 | 2.7% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FSBC | -3.4% | -3.6% | +15.2% | -4.3% | +26.2% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | -2.1% | -7.2% | +3.7% | -6.8% | +13.9% |
Capital returns
Latest dividend
$0.25
/ share · ex Aug 3, 2026
Paid (TTM)
$0.95
/ share · 4 payouts
Dividend yield (TTM, derived)
2.10%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1275168
CUSIP
33830T103
13F (30d)
152 filings
151 filers
Visit website
Investor relations