Five Star Bancorp
Research Five Star Bancorp (FSBC) on Bullrun: valuation model: 21.3% undervalued, market cap USD 961.10M, P/E 13.3, dividend yield 2.1%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerFSBC
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal21.3% undervalued
- Market capUSD 961.10M
- P/E13.3
- Dividend yield2.1%
- Financial periodQ2 2026
- RevenueUSD 47.65M
- Net incomeUSD 19.40M
- Free cash flowUSD 23.24M
Valuation Snapshot
Bullrun's latest valuation model marks Five Star Bancorp as 21.3% undervalued; latest market cap is USD 961.10M; P/E is 13.3; dividend yield is 2.1%.
Peer valuation comparison
Latest P/E is 13.29x versus a Financial Services sector median of 13.84x (4.0% below).
Latest dividend yield is 2.1% versus a Financial Services sector median of 3.86% (45.5% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 157.02M | USD 61.61M | USD 71.42M | n/a | 2.9 | USD 506.85M | USD 85.91M | USD 445.83M |
| FY2024 | USD 124.96M | USD 45.67M | USD 51.16M | n/a | 2.26 | USD 352.34M | USD 80.75M | USD 396.62M |
| FY2023 | USD 117.20M | USD 47.73M | USD 38.26M | n/a | 2.78 | USD 321.58M | USD 249.35M | USD 285.77M |
| FY2022 | n/a | USD 44.80M | USD 45.49M | n/a | 2.61 | USD 259.99M | USD 93.16M | USD 252.83M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 961.10M | 13.3 | 2.1% | 0.95 |
| 2025 | 2025-12-31 | USD 764.53M | 12.3 | 2.2% | 0.8 |
| 2024 | 2024-12-31 | USD 641.49M | 13.3 | 2.7% | 0.8 |
| 2023 | 2023-12-29 | USD 451.79M | 9.0 | 2.9% | 0.75 |
| 2022 | 2022-12-30 | USD 469.77M | 10.9 | 2.2% | 0.6 |
| 2021 | 2021-12-31 | USD 516.74M | 10.3 | 1.0% | 0.3 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.95 USD, yield 2.1%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.8 USD |
| FY2024 | 0.8 USD |
| FY2023 | 0.75 USD |
| FY2022 | 1.05 USD |
About Five Star Bancorp
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services.
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Frequently asked questions
Is Five Star Bancorp overvalued or undervalued?
Bullrun's valuation model currently marks Five Star Bancorp as 21.3% undervalued.
What is Five Star Bancorp's market cap?
Five Star Bancorp's market capitalization is USD 961.10M.
What is Five Star Bancorp's P/E ratio?
Five Star Bancorp's price-to-earnings (P/E) ratio is 13.3.
Does Five Star Bancorp pay a dividend?
Five Star Bancorp has a dividend yield of 2.1%.
What does Five Star Bancorp do?
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services.