Stock Fundamentals

Company Information

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Company Name
Five Star Bancorp
Sector
Financial Services
Industry
Banks - Regional
Exchange
NASDAQ
ISIN: US33830T1034
CIK: 0001667939
CUSIP: 33830T103
Currency: USD
Full Time Employees: 205
Phone: 916 626 5000
Website: https://www.fivestarbank.com
Fiscal Year End: December
IPO Date: May 04, 2021
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. The company was founded in 1999 and is headquartered in Rancho Cordova, California.

Address:

3100 Zinfandel Drive, Rancho Cordova, CA, United States, 95670

Directors & Officers

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Name Title Year Born
Mr. James Eugene Beckwith President, CEO & Director 1958
Ms. Heather Christina Luck CPA Executive VP & CFO 1981
Mr. Michael Anthony Rizzo Executive VP & Chief Banking Officer 1966
Ms. Lydia Ann Ramirez-Medina Executive VP & COO 1981
Mr. Brett Levi Wait Senior VP & Chief Information Officer 1981
Ms. Shelley Ronan Wetton Senior VP & Chief Marketing Officer 1972
Mr. Michael Eugene Lee Senior VP & Chief Regulatory Officer 1962
Mr. John William Dalton Senior VP & Chief Credit Officer 1954
Mr. Don J. Kurtze Executive VP & San Francisco Bay Area President 1988
Mr. Chris Rudberg Senior VP & MD NA

Institutional Holders

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Holder Name Shares Date Reported % Out Value % Change
T. Rowe Price Investment Management,Inc. 2.00M Sep 30, 2025 9.35% $0.04 0.53%
Davis Asset Management, L.P. 1.51M Dec 31, 2025 7.07% $1.94 0.00%
BlackRock Inc 1.23M Sep 30, 2025 5.77% $0.00 -2.66%
Vanguard Group Inc 922.15K Dec 31, 2025 4.31% $0.00 2.33%
Adage Capital Partners Gp LLC 569.80K Dec 31, 2025 2.67% $0.03 75.82%
CapTrust Financial Advisors 513.44K Sep 30, 2025 2.40% $0.03 -1.88%
Franklin Resources Inc 482.38K Sep 30, 2025 2.26% $0.00 -2.25%
Kennedy Capital Management Inc 438.83K Dec 31, 2025 2.05% $0.33 14.75%
American Century Companies Inc 411.66K Dec 31, 2025 1.93% $0.01 9.91%
Geode Capital Management, LLC 394.13K Sep 30, 2025 1.84% $0.00 3.01%
State Street Corp 389.19K Sep 30, 2025 1.82% $0.00 0.38%
Amvescap Plc. 334.65K Sep 30, 2025 1.57% $0.00 2.43%
Dimensional Fund Advisors, Inc. 287.54K Dec 31, 2025 1.35% $0.00 7.59%
Pacific Ridge Capital Partners, LLC 195.56K Dec 31, 2025 0.91% $1.54 -2.99%
Maltese Capital Management LLC 160.00K Dec 31, 2025 0.75% $1.02 -42.32%
Northern Trust Corp 145.57K Sep 30, 2025 0.68% $0.00 -2.15%
Brighton Jones LLC 142.11K Dec 31, 2025 0.66% $0.19 0.04%
Charles Schwab Investment Management Inc 139.22K Dec 31, 2025 0.65% $0.00 0.75%
Siena Capital Management, LLC 134.85K Sep 30, 2025 0.63% $1.24 0.00%
DePrince Race & Zollo Inc 124.34K Dec 31, 2025 0.58% $0.09 81.15%

Shares Statistics

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Shares Outstanding: 21.38M
Shares Float: 14.74M
% Insiders: 2,815.90%
% Institutions: 5,876.80%
Short % Float: 2.11%

🏆 Top 10 Institutional Holders

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Rank Holder Name Shares Held % of Shares Change Date Reported
1 T. Rowe Price Investment Management,Inc. 2.00M 9.35% ▲ 0.53% Sep 30, 2025
2 Davis Asset Management, L.P. 1.51M 7.07% ▲ 0.00% Dec 31, 2025
3 BlackRock Inc 1.23M 5.77% ▼ 2.66% Sep 30, 2025
4 Vanguard Group Inc 922.15K 4.31% ▲ 2.33% Dec 31, 2025
5 Adage Capital Partners Gp LLC 569.80K 2.67% ▲ 75.82% Dec 31, 2025
6 CapTrust Financial Advisors 513.44K 2.40% ▼ 1.88% Sep 30, 2025
7 Franklin Resources Inc 482.38K 2.26% ▼ 2.25% Sep 30, 2025
8 Kennedy Capital Management Inc 438.83K 2.05% ▲ 14.75% Dec 31, 2025
9 American Century Companies Inc 411.66K 1.93% ▲ 9.91% Dec 31, 2025
10 Geode Capital Management, LLC 394.13K 1.84% ▲ 3.01% Sep 30, 2025

Valuation Metrics

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Enterprise Value: $410.79M
Trailing P/E: 13.42
Forward P/E: 0.00

Financial Highlights

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Market Cap: $832.17M
P/E Ratio: $13.42
Book Value: $20.87
Dividend/Share: $0.80
Dividend Yield: 2.00%
Earnings/Share: $2.90
Profit Margin: 41.42%
Operating Margin: 57.87%
ROA (TTM): 1.40%
ROE (TTM): 14.63%
Revenue (TTM): $148.74M
Revenue/Share (TTM): $7.01
Earnings Growth (YOY): 32.60%
Revenue Growth (YOY): 20.10%

Stock Price History

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1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

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Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

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Financial Ratios (Yearly)

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Financial Ratios (Quarterly)

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Earnings History

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Balance Sheet (Yearly)

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Financial Ratios

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Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 0.14x 0.00x 0.91x 0.86x 0.00x
2024-12-31 0.13x 0.19x 0.90x 0.74x 1.13x
2023-12-31 0.15x 1.45x 0.92x -0.03x -257.77x
2022-12-31 0.14x 1.09x 0.92x 4.23x 4.26x
2021-12-31 0.26x 0.24x 0.91x 11.87x 1.19x
2020-12-31 0.24x 0.21x 0.93x 4.06x 0.75x
2019-12-31 0.21x 0.50x 0.93x 2.61x 1.76x
2018-12-31 1.85x 0.44x 0.90x 0.22x 3.68x
2017-12-31 2.27x 0.42x 0.90x 0.53x 4.11x
2016-12-31 N/A 0.00x 0.88x 0.33x 0.00x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Feb 20, 2026 Michael Eugene Lee N/A Sale 1.20K $39.30 $47.16K
Dec 12, 2025 Michael Anthony Rizzo N/A Sale 641.00 $37.28 $23.90K
Aug 15, 2025 Lydia Ann Ramirez-Medina N/A Sale 825.00 $30.94 $25.53K
Jun 10, 2025 James Eugene Beckwith N/A Sale 6.43K $27.74 $178.34K
Jun 05, 2025 Lydia Ann Ramirez-Medina N/A Sale 600.00 $27.43 $16.46K
Mar 13, 2025 Donna Lucas N/A Purchase 2.65K $28.43 $75.34K
Mar 10, 2025 Don Justin Kurtze N/A Purchase 100.00 $28.46 $2.85K
Feb 28, 2025 James Eugene Beckwith N/A Sale 4.00K $30.25 $121.00K

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