Five Star Bancorp (FSBC)

Five Star Bancorp's stock (FSBC) has increased by 21.30% over the last six months and 46.25% over the past year. Key events include the announcement of first-quarter 2026 results with a net income of $18.6 million, the declaration of a fourth-quarter dividend of $0.25 per share, and the declaration of a cash dividend of $0.25 per share for the first quarter, an increase of $0.05 per share from 2025. The company also announced its expansion into Southern California and a commitment to a $10 million Low Income Housing Tax Credit Investment in San Francisco. Additionally, the company announced its fourth-quarter and year-end 2025 results, reporting a net interest margin of 3.66% for Q4 2025 and a decrease in wholesale deposits.

While specific demand seasonality is not detailed for all products, the banking industry generally sees a loan demand surge from March to June and October to early January, with relatively flat demand in the summer. Investment services demand increases in December and early January. Five Star Bank acknowledges and addresses the cyclical nature of the food and agriculture industries.

Five Star Bancorp, operating through Five Star Bank, caters to small and medium-sized businesses, professionals, and individuals, offering a range of banking products and services, including deposit accounts, loans (commercial real estate, construction, SBA, etc.), and modern banking conveniences like debit cards and online/mobile banking. The company's investment portfolio includes U.S. government agency securities and mortgage-backed securities.

Five Star Bancorp is headquartered in Rancho Cordova, California, and operates primarily within the state. It has nine banking offices and two administrative offices, serving regions including the Capital Region, North State, the San Francisco Bay Area, and Southern California. The company expanded into the San Francisco Financial District in 2024 and Walnut Creek in 2025, and further expanded into Southern California in April 2026. Its Food, Agribusiness & Diversified Industries business vertical serves clients nationwide.

Five Star Bancorp has maintained a strong brand reputation, being named one of Newsweek's America's Best Regional Banks for 2026. It received a "Superior Rating" from IDC and was recognized by S&P Global Market Intelligence as a "Top 3 Best-Performing Community Bank". Bank Director Magazine ranked Five Star Bancorp as #4 among the "Best U.S. Banks with assets less than $5 billion." Client testimonials highlight personalized service and a commitment to supporting small business growth. The expansion into Southern California and hiring of experienced local bankers aim to enhance its reputation.

Five Star Bancorp's ownership is distributed among institutional and individual investors. Institutional investors hold a significant portion of the shares, ranging from approximately 48.7% to 56.56%, while insider ownership is estimated between 26.61% and 28.16%. Major institutional shareholders include Davis Asset Management, L.P., BlackRock, Inc., Vanguard Group Inc, Adage Capital Partners Gp, L.l.c., Captrust Financial Advisors, Franklin Resources Inc, Kennedy Capital Management, Inc., American Century Companies Inc, Geode Capital Management, Llc, and State Street Corp.