FSBC Stock — Five Star Bancorp

Up next

Next earnings call

Oct 22, 2026 Est · unconfirmed · in 2 wks

Latest filing: 10-Q

filed Aug 6, 2026

Q2 2026 earnings call transcript

call held Jul 23, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

View all 115 metrics

Revenue (TTM)

$177.83M

Trailing 12 months

Net income (TTM)

$72.01M

Trailing 12 months

Revenue growth YoY

+25.1%

Year over year

Operating margin

—

Trailing 12 months

P / E (TTM)

12.9

Trailing earnings · reciprocal yield 7.7%

FCF yield

7.5%

TTM · current market cap

Return on invested capital

—

Trailing 12 months

Net cash

$685.07M

Latest balance sheet

Dividend yield

—

Trailing 12 months

Shares change YoY

+0.3%

Year over year · more shares

Price change (1Y)

+37.4%

Trailing year

Short interest

3.7%

Latest settlement · 6.1 days to cover

View all 115 metrics

AI Brief

Q2 FY26 earnings call · Jul 23, 2026

Q2 FY26

TL;DR. Five Star Bancorp posted Q2 2026 net income of $19.4 million ($0.91 EPS), with robust loan growth of $306.3 million (~29% annualized) and deposit growth of $330 million (~30% annualized) driving a 26% year-over-year increase in net interest income, while net interest margin contracted 7 bps quarter-over-quarter and nonperforming loans rose to 0.30% of loans from 0.07%.

Bullish

+ Loans held for investment grew $306.3 million (~29% annualized) and total deposits grew $330.0 million (~30% annualized), with non-wholesale deposits up $463.1 million.
+ Non-interest-bearing deposits averaged $1.16 billion and net interest margin expanded 10 bps year-over-year, with total cost of deposits down 30 bps YoY.
+ Year-over-year total assets grew from $4.4 billion to $5.4 billion, reflecting sustained organic expansion across markets, including new Lodi branch and Southern California expansion.
+ Board paid $0.25 quarterly dividend and declared an additional $0.25 dividend payable August 10, 2026, returning capital while earnings and book value continue to grow.

Bearish

− Net interest margin contracted 7 bps quarter-over-quarter to 3.63% from 3.70%, as rapid balance sheet expansion modestly diluted earning-asset yields.
− Nonperforming loans ratio jumped to 0.30% at June 30, 2026 from 0.07% at March 31, 2026, driven by an $11.4 million CRA loan placed on non-accrual.
− Average cost of total deposits rose 3 bps quarter-over-quarter to 2.16% and loans-designated watch loans grew from $101.9 million to $154.6 million since year-end.
− Non-interest expense rose $2.2 million (+12.8%) quarter-over-quarter to $19.6 million, with efficiency ratio worsening to 40.91% from 38.57%, partly reflecting absence of Q1 SBA contingency release.
− Pricing of an underwritten public common stock offering was announced concurrently with results, a potential dilutive event.

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Neutral Sentiment Neutral Fundamentals Excellent Quant / Vol Very Low

Market backdrop VIX 15.3 · calm Equity put/call 0.58

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +4%

above

Price vs 50-day avg −4%

below

RSI (14) 42

neutral

MACD trend Negative

52-week position 68%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Neutral

1-month return −6%

trailing

6-month return +8%

trailing

YTD return +22%

this year

Relative strength −4%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $46 › 200d $42 — 50d above 200d

Institutional flow Flat

2 of 168 funds reported for Sep 30 · net 0 sh shares

Insider flow Accumulating

Net +$6.3M over 90 days · 0% sells

Short interest Rising

3.75% of float · ▲ +19.3% MoM · 6.1 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

168 holders — near 3-yr high, broad support

Squeeze score 62

elevated · 0–100

Fundamentals

Excellent

EPS growth +28%

Y/Y

Free cash flow $71.4M

Valuation P/E 13

in line

Quant / Vol

risk profile

Very Low

Volatility 24%

annualized · 1-yr

Max drawdown −15%

past year

ATR 2.3%

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.

Technicals

trend & momentum for long-term holders Neutral

1 · 5 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+4% Bullish

Price vs 50-day avg

−4% Neutral

RSI (14)

42 Neutral

MACD trend

Negative Bearish

52-week position

68% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bullish · 2 of 6

Trend (MA cross) No cross

50d $46 › 200d $42 — 50d above 200d

Institutional flow Flat

2 of 168 funds reported for Sep 30 · net 0 sh shares

Insider flow Accumulating

Net +$6.3M over 90 days · 0% sells

Short interest Rising

3.75% of float · ▲ +19.3% MoM · 6.1 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

168 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $31 Now $44 · 68% Range high $50

vs 200-day avg +4% 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
Efficiency ratio	40.91%	the three months ended June 30, 2026 filing	—
Net interest margin	3.63%	the three months ended June 30, 2026 filing	—

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

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
FSBC Five Star Bancorp this stock	$1.08B	+22.0%	—	13.0	3.7%
MFG Mizuho Financial Group Inc	$133.98B	+48.8%	—	—	0.1%
HDB Hdfc Bank Ltd	$118.26B	-38.9%	-3.2%	—	0.7%
CIXPF CaixaBank/ADR	$103.83B	+26.7%	—	—	0.1%
IBN Icici Bank Ltd	$100.21B	-7.9%	—	—	0.6%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders

Holders

168

% held: 52.9%
Reported: 2 of 168
Top holder: T. Rowe Price Investment…

Held Float

View

Held by Funds

Fund positions

198

View

Short & Settlement

Short Interest Rising

Shares short

920.0K

Days to cover: 6.1d
Change: +148.7K sh

View

Short Volume

Short vol %

58%

As of: Oct 5, 2026

Short Total

View

Fails to Deliver

FTD shares

182

Value: $8.2K
As of: Aug 27, 2026

View

Off-Exchange

Off-exchange %

35.5%

Week of: Aug 31, 2026

Off-exch Lit

View

Smart Money

Insider Trades Cluster buy

Net (90d)

+$6.3M

Buyers / Sellers: 6 / 0

Buyers Sellers

View

Financials

Net income (FY)

$61.6M

EPS diluted: $2.90

View

Filings

SEC Filings

Latest

8-K

Filed: Sep 17, 2026
This year: 17

View

Proposed Sales

Value

$68.9K

Shares: 1.6K
Filed: May 22, 2026

View

Exempt Offerings

Offering

$75.0M

Filed: Aug 24, 2022

View

Earnings & Events

Webcasts

Last webcast

Jul 23, 2026

View

Investor Relations

	5D	20D	120D	MTD	YTD
FSBC	-0.4%	-6.0%	+8.1%	+3.0%	+22.0%
SPY	-0.2%	-0.5%	+12.2%	+0.9%	+12.9%
vs SPY	-0.2%	-5.5%	-4.1%	+2.1%	+9.1%

FSBC · Five Star Bancorp

Price & Indicators

Up next

Metrics snapshot

AI Brief

Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance