Five Star Bancorp Common Stock (FSBC)

FairStock Score: 71/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor in the Graham and Buffett tradition, I start with the business. Five Star Bancorp is a 233-employee community bank holding company serving small and medium businesses in Northern California. That can be a decent niche: local relationships, local deposits, and disciplined underwriting can create a modest moat, though it is not wide. The recent figures are encouraging. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $19.4M and diluted EPS was $0.91, up from $14.5M and $0.68 in fiscal Q2 2025. For FY2025, net income was $61.6M and diluted EPS was $2.90, versus $45.7M and $2.26 in FY2024. But I note FY2024 was weaker than FY2023, when net income was $47.7M and diluted EPS was $2.78, so the record is not perfectly smooth. FairStock classifies it as a STALWART, with profit growing 11.4% a year over five years. At the 2026-10-13 close of $42.72, FairStock shows a P/E of 12.64, P/B of 1.93, ROE of 16.17%, and PEG of 0.38. That is not expensive if the recent growth and credit quality hold, but P/B near 2 for a small bank is not a bargain-bin Graham asset. The Piotroski F-Score of 4/9 is mixed. Crucially, the data lacks CET1 capital, net interest margin, nonperforming loans, reserves, and other credit measures; combined ratio is an insurer metric and not relevant. Without those, I cannot judge the biggest bank risks. The price looks fair, not compelling.

In plain English: Five Star Bancorp is a small bank holding company that serves small and medium businesses and individuals, mostly in Northern California. Its profits have been rising lately, it pays a modest dividend, and the stock price looks roughly reasonable against those profits rather than clearly cheap or clearly expensive. However, the data here does not show key banking safety measures like capital ratios or loan quality, so the picture is incomplete.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer