Five Star Bancorp (FSBC)

In Q1 2025, Five Star Bancorp reported a net income of $13.1 million, an increase in total deposits, and declared a cash dividend of $0.20 per share. The company announced the planned opening of a new office in Walnut Creek in Q3 2025. In Q2 2025, the company surpassed analyst expectations with an EPS of $0.68 and revenues of $38.33 million, and declared a $0.20 dividend. DA Davidson increased its price target for FSBC from $37.00 to $39.00 with a "buy" rating, and Keefe, Bruyette & Woods raised its price objective from $32.00 to $33.00 with a "market perform" rating. In Q3 2025, Five Star Bancorp reported strong results with net income of $16.3 million, EPS of $0.77, and revenue of $41.31 million, and declared another $0.20 per share dividend, leading the stock to reach a new 12-month high. Shares saw a 5.1% increase due to sector-wide gains and a rebound in banking stocks. Weiss Ratings reaffirmed a "buy (b-)" rating, and Janney Montgomery Scott initiated coverage with a "buy" rating and a $37.00 price objective.

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Five Star Bancorp functions as the bank holding company for Five Star Bank, offering a range of banking products and services to small and medium-sized businesses, professionals, and individuals. The company's offerings include deposit accounts, commercial and real estate loans, SBA loans, consumer loans, and various digital banking services. Its investment portfolio consists of U.S. government agency securities, mortgage-backed securities, and obligations of states and political subdivisions.

Five Star Bancorp's operations are primarily concentrated in Northern California, with nine banking offices across the Capital Region, North State, and San Francisco Bay Area. The company expanded its Bay Area presence with the opening of a San Francisco office in September 2024 and a new office in Walnut Creek in the third quarter of 2025. The bank's headquarters are in Roseville, California, while Five Star Bancorp is headquartered in Rancho Cordova, California.

Five Star Bancorp appears to maintain a positive brand reputation, particularly within the financial community. The consistent reporting of strong financial results, strategic expansions into new markets, and favorable analyst ratings suggest a positive perception. The company emphasizes its "differentiated customer experience" and "relationship-based services" as drivers for its growth and demand.

Institutional investors hold a significant portion of Five Star Bancorp's stock, ranging from approximately 49% to 57.03%. Lawrence Allbaugh is the largest individual shareholder, controlling 15% of outstanding shares, while James Beckwith, the CEO, holds 2.3%. The general public accounts for approximately 20% ownership. Recent insider trading activity includes sales by Lydia Ramirez-Medina and James Beckwith, and purchases by Donna Lucas and Don Kurtze.