Five Star Bancorp (FSBC)

Over the past six months, Five Star Bancorp stock has increased by 20.01%. Key events include the stock reaching a high of $33.75 on September 18, 2025, and the declaration of a cash dividend of $0.20 per share on October 17, 2025. The company announced its Third Quarter 2025 results on October 27, 2025, reporting a net income of $16.3 million. In November 2025, Five Star Bank's CEO, James Beckwith, was named Sacramentan of the Year. In December 2025, there was an analyst downgrade amid a "Fair" relative valuation, while another report indicated a price target increase to $41.21. Insider trading activity shows more purchases than sales. On January 13, 2026, Five Star Bancorp announced it expects to report its Fourth Quarter and full-year 2025 financial results on January 26, 2026.

Five Star Bancorp's products and services, particularly within its Food, Agribusiness & Diversified Industries vertical, are subject to demand seasonality. The bank acknowledges the cyclical nature of the food and agriculture industry, indicating that lending and banking services to this sector may experience fluctuations in demand corresponding to agricultural seasons and market trends.

Five Star Bancorp operates as the bank holding company for Five Star Bank, primarily serving small to medium-sized businesses, professionals, and individuals. The bank's core business model is relationship-focused commercial banking, generating revenue through deposits and strategic lending. Its major products and services include deposit products like checking, savings, and loan products such as commercial real estate loans and SBA loans. The company also provides services like debit cards, online banking, and direct deposit services. In May 2025, Five Star Bancorp expanded its food and agribusiness vertical to serve clients nationwide.

Five Star Bancorp's primary geographic footprint is Northern California, with nine offices and two non-depository offices across the Capital Region, North State, and San Francisco Bay Area. The company moved its headquarters to Roseville, California, in 2018. Five Star Bancorp has also expanded its market share into the Central Valley region and began a strategic expansion into the San Francisco Bay Area in 2024. Its specialized Food, Agribusiness & Diversified Industries vertical now serves clients nationwide.

Five Star Bancorp has maintained a strong brand reputation over the past year. In November 2025, Five Star Bank's CEO, James Beckwith, was honored as Sacramentan of the Year. The company has a reputation for capitalizing on market displacements, such as its strategic expansion into the San Francisco Bay Area. In March 2023, Five Star Bancorp earned the #1 ranking on S&P Global Market Intelligence's list of best-performing community banks. The bank also holds a Bauer Financial Superior Rating and an IDC Superior Rating, and is recognized as a Super Premier Performing Bank by The Findley Reports.

Five Star Bancorp's ownership structure includes large institutional holdings and significant insider control. Major institutional holders include T. Rowe Price Group, Inc., BlackRock, Inc., The Vanguard Group, Inc., and State Street Global Advisors, Inc. Larry Eugene Allbaugh holds a significant stake of 19.05% of the company.