FSBC

Five Star Bancorp

FSBC.US fivestarbank.com + Research + Basket
CIK 0001667939
Employees 233
Phone 916 626 5000
Fiscal year end December
IPO May 04, 2021
Address 3100 Zinfandel Drive, Rancho Cordova, CA, United States, 95670
45.84
+0.38 (+0.84%)
USD · NASDAQ
52-week range
31.63
49.99
Trading at 77% of the 52-week range
Market Cap
1.09B
P/E Ratio
13.28
Forward P/E
0.00
Book Value
20.87
Div. Yield
0.00%
% Institutions
54.70%
% Insiders
20.37%

1 Year

+26.0%

3 Year

+154.8%

10 Year

+118.3%
Description

Five 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 Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. In addition, the company offers loan products, such as commercial real estate loans; commercial land and construction loans; residential real estate and construction loans; farmland loans; the U.S. small business administration loans; and consumer and other loans, as well as operating lines of credit. Further, its investment portfolio consists of U.S. government agency securities, mortgage-backed securities, and obligations of states and political subdivisions. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.

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People

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Directors & Officers

Name Title Year Born
Mr. James Eugene Beckwith President, CEO & Director 1958
Mr. Michael Anthony Rizzo Executive VP & Chief Banking Officer 1967
Mr. Don J. Kurtze Executive VP & San Francisco Bay Area President 1989
Mr. Brett Levi Wait Senior VP & Chief Information Officer 1982
Ms. Shelley Ronan Wetton Senior VP & Chief Marketing Officer 1973
Mr. Michael Eugene Lee Senior VP & Chief Regulatory Officer 1963
Mr. John William Dalton Senior VP & Chief Credit Officer 1955
Ms. Lydia Ann Ramirez-Medina Executive VP & Chief External Affairs Officer 1981
Mr. Greg Kogan Senior VP & MD NA
Mr. Reagan Ballo Managing Director of Government Banking NA

Insider Trading

Open insider trading
Date Insider Name Title Transaction Type Shares Price Value SEC
Mar 09, 2026 James Eugene Beckwith N/A Sale 4.00K $36.66 $146.64K SEC
Feb 20, 2026 Michael Eugene Lee N/A Sale 1.20K $39.30 $47.16K SEC
Dec 12, 2025 Michael Anthony Rizzo N/A Sale 641.00 $37.28 $23.90K SEC
Aug 15, 2025 Lydia Ann Ramirez-Medina N/A Sale 825.00 $30.94 $25.53K SEC
Jun 10, 2025 James Eugene Beckwith N/A Sale 6.43K $27.74 $178.34K SEC
Jun 05, 2025 Lydia Ann Ramirez-Medina N/A Sale 600.00 $27.43 $16.46K SEC

Shareholders

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Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
T. Rowe Price Investment Management,Inc. 2.06M Jun 30, 2026 9.62% $0.07 1.77%
Davis Asset Management, L.P. 1.51M Jun 30, 2026 7.06% $1.86 0.00%
BlackRock Inc 1.33M Jun 30, 2026 6.22% $0.00 11.74%
Vanguard Capital Management, LLC 651.10K Jun 30, 2026 3.04% $0.00 -1.55%
American Century Companies Inc 528.93K Jun 30, 2026 2.47% $0.01 15.16%
Geode Capital Management, LLC 475.52K Jun 30, 2026 2.22% $0.00 17.58%
CapTrust Financial Advisors 467.11K Jun 30, 2026 2.18% $0.03 0.03%
Franklin Templeton Inc 431.43K Jun 30, 2026 2.02% $0.00 -8.84%
Dimensional Fund Advisors, Inc. 383.91K Jun 30, 2026 1.79% $0.00 19.25%
State Street Corp 365.82K Jun 30, 2026 1.71% $0.00 5.03%
Amvescap Plc. 310.24K Jun 30, 2026 1.45% $0.00 4.34%
Adage Capital Partners Gp LLC 305.18K Jun 30, 2026 1.43% $0.02 -39.96%
Nuveen, LLC 298.27K Jun 30, 2026 1.39% $0.00 748.67%
Kennedy Capital Management Inc 292.19K Jun 30, 2026 1.37% $0.25 -22.62%
Pacific Ridge Capital Partners, LLC 172.85K Jun 30, 2026 0.81% $1.53 -2.21%
Hotchkis & Wiley Capital Management LLC 164.33K Jun 30, 2026 0.77% $0.02 -1.14%
Northern Trust Corp 148.58K Jun 30, 2026 0.69% $0.00 4.76%
Brighton Jones LLC 142.15K Jun 30, 2026 0.66% $0.13 0.02%
Charles Schwab Investment Management Inc 137.15K Jun 30, 2026 0.64% $0.00 2.02%
Bragg Financial Advisors Inc 137.06K Jun 30, 2026 0.64% $0.18 0.38%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 T. Rowe Price Small-Cap Stock 950.81K 4.44% ▲ 1.39% Sep 30, 2026
2 Vanguard MStar Total Stk Mkt Idx Invest 574.79K 2.69% ▲ 0.00% Sep 30, 2026
3 T. Rowe Price Instl Small-Cap Stock 522.89K 2.44% ▲ 3.26% Sep 30, 2026
4 Avantis US Small Cap Value ETF 518.38K 2.42% ▲ 0.17% Sep 30, 2026
5 iShares Russell 2000 ETF 494.05K 2.31% ▲ 3.04% Sep 30, 2026
6 Invesco Small Cap Value A 295.31K 1.38% ▲ 1.50% Aug 31, 2026
7 Putnam Core Equity Fund Y 250.05K 1.17% ▲ 0.00% Sep 30, 2026
8 State Street® SPDR® S&PRgnllBkgETF 210.98K 0.99% ▲ 3.08% Sep 30, 2026
9 Fidelity Small Cap Index 170.93K 0.80% ▲ 1.39% Jul 31, 2026
10 Emerald Growth A 155.59K 0.73% ▲ 5.13% Aug 31, 2026

Financial Highlights

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Market Cap: $1.09B
P/E Ratio: $13.28
Book Value: $20.87
Dividend/Share: $0.00
Dividend Yield: 0.00%
Earnings/Share: $3.35
Profit Margin: 42.96%
Operating Margin: 58.36%
ROA (TTM): 1.47%
ROE (TTM): 16.17%
Revenue (TTM): $167.61M
Revenue/Share (TTM): $7.89
Earnings Growth (YOY): 33.80%
Revenue Growth (YOY): 27.60%

Valuation Metrics

Enterprise Value: $492.18M
Trailing P/E: 13.28
Forward P/E: 0.00

Shares Statistics

Shares Outstanding: 24.54M
Shares Float: 17.99M
% Insiders: 20.37%
% Institutions: 54.70%
Short % Float: 6.43%

Stock Price History

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1 Year Price History

3 Years Price History

10 Years Price History

Max Price History

Financial Charts

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Open balance sheet Open capital intensity Download Financials (Excel)

Revenue, Net Income & Operating Cash Flow (Yearly)

Change % vs Prior Year

Revenue, Net Income & Operating Cash Flow (Quarterly)

Change % vs Prior Quarter

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

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Open full waterfall Open balance sheet
Line Item
Step Type
Value
Revenue
adjust
$255.47M
Cost of Goods Sold
adjust
$-106.73M
Gross Profit
subtotal
$148.74M
SG&A
adjust
$-40.67M
Other Operating Expense
adjust
$-24.34M
Operating Income
subtotal
$83.73M
Other / Non-Operating Items
adjust
$-22.13M
Net Income
subtotal
$61.61M

Earnings Per Share (EPS) History

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Financial Ratios

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📦 Raw API Data (JSON Explorer)

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