Five Star Bancorp
Provides relationship banking for Northern California businesses, professionals, and deposit clients.
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Profile
Provides commercial real estate, construction, land-development, operating-credit, and deposit services through a Northern California relationship-bank model. Revenue comes from a single banking segment, with growth tied to banker hiring, Bay Area expansion, customer deposits, credit quality, rates, and regulation.
Operates through Five Star Bank, a California state-chartered non-member bank serving small and medium-sized businesses, professionals, and individuals primarily in Northern California. Core products include commercial real estate loans, land-development and construction loans, operating lines of credit, checking, savings, money market, and term certificate accounts.
Builds growth through relationship banking, regional expertise, business-development hiring, and selective Bay Area expansion rather than acquisition-led roll-up. Commercial real estate remains central to the franchise, with manufactured-housing, agribusiness, and diversified-industry verticals adding specialist coverage.
Depends on Northern California borrowers and depositors, customer deposits as the main funding base, credit quality, interest-rate conditions, and bank regulation. The company reports a single banking segment.
Company facts
Categories
Key statistics
Year to date +28.2% · Average volume (30d) 207.2K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Jul 29, 2026 | DA Davidson | Reiterate | Buy | $48.50 | $55 |
| Jul 27, 2026 | Stephens | Target | $43 | $51 | |
| Apr 29, 2026 | DA Davidson | Reiterate | Buy | $45 | $48.50 |
| Apr 29, 2026 | Stephens | Target | $37 | $43 | |
| Jan 28, 2026 | DA Davidson | Reiterate | Buy | $43 | $45 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 22, 2026Q2 FY26 | $0.86 | $0.91 | +5.8% | $47.7M | $48.0M | +0.5% | −2.11% |
| Apr 27, 2026Q1 FY26 | $0.80 | $0.87 | +8.7% | $44.5M | $45.1M | +1.4% | −1.18% |
| Jan 26, 2026Q4 FY25 | $0.77 | $0.83 | +7.8% | $42.6M | $40.7M | −4.5% | −0.57% |
| Oct 27, 2025Q3 FY25 | $0.71 | $0.77 | +8.5% | $41.7M | $41.0M | −1.8% | +4.64% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $58.1M | $62.0M | $66.5M | $67.8M | $69.7M | $74.2M | |
| Gross profit | $33.1M | $35.4M | $38.5M | $40.7M | $43.2M | $45.7M | |
| Operating income | $18.4M | $20.1M | $22.2M | $23.0M | $25.0M | $26.1M | |
| Net income | $13.1M | $14.5M | $16.3M | $17.6M | $18.6M | $19.4M | |
| Diluted EPS | $0.62 | $0.68 | $0.77 | $0.83 | $0.87 | $0.91 | |
| Gross margin | 57.0% | 57.1% | 57.9% | 60.0% | 61.9% | 61.6% | |
| Operating margin | 31.6% | 32.4% | 33.4% | 33.9% | 35.9% | 35.2% |
Fiscal years (4-quarter sums)FY21 $87.8M · FY22 $123.8M · FY23 $180.7M · FY24 $212.2M · FY25 $254.4M
Balance sheet, Jun 30, 2026Cash & short-term investments $136.6M · Total debt $74.1M · Total assets $5.38B · Shareholders' equity $473.8M
Dividends
Raised for 3 straight years — most recently to $0.25 from $0.20 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 3, 2026 | Aug 3 | Aug 10 | $0.25 | |
| May 4, 2026 | May 4 | May 11 | $0.25 | |
| Feb 2, 2026 | Feb 2 | Feb 9 | $0.25 | raised from $0.20 |
| Nov 3, 2025 | Nov 3 | Nov 10 | $0.20 | |
| Aug 4, 2025 | Aug 4 | Aug 11 | $0.20 | |
| May 5, 2025 | May 5 | May 12 | $0.20 | |
| Feb 3, 2025 | Feb 3 | Feb 10 | $0.20 | |
| Nov 4, 2024 | Nov 4 | Nov 12 | $0.20 |
Ownership
Shares outstanding 24.10M · Float 15.55M · 64.5% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| T. Rowe Price Investment Management, Inc. | 2.06M | 8.54% | 13F | Aug 14, 2026 |
| Davis Asset Management, L.P. | 1.51M | 6.27% | 13F | Aug 12, 2026 |
| Davis Partnership, L.P. | 1.51M | 7.10% | 13G | Feb 13, 2025 |
| BlackRock, Inc. | 1.33M | 5.52% | 13F | Aug 7, 2026 |
| Oates-Fairrington Kathryn Ruth | 1.28M | 6.00% | 13G | Apr 2, 2025 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 22, 2026 | Kevin Francis Ramos | director | +5,682 | $44.00 |
| Jul 22, 2026 | Judson Teichert Riggs | director | +2,273 | $44.00 |
| Jul 22, 2026 | Donna Lucas | director | +1,136 | $44.00 |
| Jul 22, 2026 | Shannon Deary-Bell | director | +5,682 | $44.00 |
| Jul 22, 2026 | Robert Truxtun Perry-Smith | director | +31,363 | $44.00 |
Peers
- CVB Financial
California business bank with Bay Area and CRE overlap
- California BanCorp
California relationship bank focused on SMB, CRE, and SBA clients
- TriCo Bancshares
Northern California community bank with CRE-heavy lending
- Bank of Marin
Northern California business bank with CRE and deposit overlap
- Westamerica Bancorp
Northern and Central California bank with low-cost deposits
- Banc of California
Larger California relationship bank for business clients
- Columbia Banking System
Western U.S. regional bank expanded through Pacific Premier
- East West Bancorp
Large California commercial bank with CRE and deposit overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Five Star Bancorp | $45.62 | −0.15% | $1.10B | 13.5 | 13.1 | 4.0 | +25.1% |
| CVB Financial | $22.19 | 0.00% | $3.18B | 14.6 | 12.0 | 4.5 | +42.0% |
| California BanCorp | $21.27 | −0.05% | $684.1M | 11.6 | 12.0 | 3.0 | −23.4% |
| TriCo Bancshares | $53.81 | −0.01% | $1.73B | 12.9 | 12.4 | 3.2 | +9.9% |
| Bank of Marin | $26.63 | +0.04% | $431.1M | 6.5 | 11.5 | 2.1 | +73.1% |
| Westamerica Bancorp | $58.07 | −0.08% | $1.36B | 12.8 | 12.5 | 5.1 | −2.5% |
| Banc of California | $18.60 | −0.03% | $2.86B | — | 9.7 | 1.6 | — |
| Columbia Banking System | $30.07 | 0.00% | $8.50B | 12.0 | 9.6 | 2.4 | +33.1% |
| East West Bancorp | $129.44 | −0.02% | $17.73B | 12.4 | 11.9 | 3.8 | +12.5% |
| Median | 12.4 | 11.9 | 3.1 | +12.5% |