Five Star Bancorp (FSBC) Stock Score, Valuation & Financial Research
Five Star Bancorp is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 63/100.
Quick answer for FSBC
Five Star Bancorp currently has a Wall Street Score of 63/100. The stored market price is $45.11. Its financial score is 58/100. Its valuation score is 97/100. The latest WSS change is +4.1 points. These figures are a research snapshot, not a buy or sell recommendation.
What Five Star Bancorp does
Five Star Bancorp serves as the holding company for Five Star Bank, delivering a full spectrum of banking products and services. The institution caters to a diverse clientele, including small and medium-sized businesses, professionals, and individual customers. Clients can access various deposit options, such as money market accounts, both interest-bearing and non-interest-bearing checking accounts, savings accounts, and time deposits. The bank's lending portfolio encompasses commercial and residential real estate loans, general commercial financing, commercial land loans, agricultural land loans, and construction loans for both commercial and residential projects, alongside consumer and other credit facilities. Additionally, it provides debit cards, remote check deposit capabilities, online and mobile banking services, and direct deposit options. Operating in Northern California, Five S
FSBC financial snapshot
- Wall Street Score:
- 63/100
- Current price:
- $45.11
- Market capitalization:
- $1.09B
- Revenue:
- $278.2M
- Net income:
- $72.0M
- Free cash flow:
- $71.4M
- Cash:
- $46.0M
- Total debt:
- $74.1M
- EPS:
- 3.39
- P/E ratio:
- 13.3x
- Financial score:
- 58/100
- Valuation score:
- 97/100
- Revenue score:
- 43/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $71.4M, showing positive cash generation.
- The balance sheet shows $46.0M of cash versus $74.1M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +4.1 points: FSBC increased 4.1 points because Valuation improved by 18.3 points.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 58/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-04.
How to research FSBC
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.