FSBC Stock Risk & Deep Value Analysis
Five Star Bancorp
Financial Services • Banks - Regional
DVR Score
out of 10
The Bottom Line on FSBC
We analyzed Five Star Bancorp using our deep value framework. Sign in to see our full verdict and DVR Score.
We ran FSBC through our deep value framework — analyzing financial health, distress signals, competitive moat, and risk factors. Here's what we found.
📈FSBC Performance Overview3yr weekly
Unlock FSBC Performance Chart
See 3 years of price history, quarterly revenue trends, and DVR score changes
Weekly adjusted close · Quarterly revenue & EPS · DVR score history
FSBC Stock Risk Analysis
Overall Risk
Moderate
Financial Risk
Low
Market Risk
Medium
About Five Star Bancorp (FSBC)
Sector
Financial Services
Industry
Banks - Regional
Market Cap Category
small
Market Cap
$685.27M
FSBC Deep Value Analysis
Compare FSBC to Similar Stocks
See how Five Star Bancorp stacks up against related companies in our head-to-head analysis.
FSBC Red Flags & Warning Signs
Premium- ⚠
Significant shifts in interest rate environment (e.g., rapid cuts impacting NIM)
- ⚠
Deterioration of regional economic conditions leading to increased loan defaults
- ⚠
Increased competition from larger regional banks or rapidly expanding fintechs
Unlock FSBC Red Flags & Risk Warnings
Premium members see every risk event we found.
Unlock the full report
Create a free account to see the DVR score, risk flags, and AI analysis.
Unlock everything for $47/yr
$79/yrSave 41%
- ✓ Catalysts, bull case, moat & red flags
- ✓ Unlimited stock analyses + alerts
- ✓ Full database, search & portfolio (50 stocks)
7-day money back · Cancel anytime
FSBC Financial Health Metrics
Market Cap
$685.27M
P/E Ratio
13.14
FSBC Competitive Moat Analysis
PremiumMoat Rating
Narrow
Moat Trend
Stable
Moat Sources
3 Identified
The moat persists due to deep local market penetration, established customer relationships, and the inherent friction in switching banking providers, particularly for commercial clients. This creates a durable, albeit regionally confined, competitive advantage.
FSBC Competitive Moat Analysis
Premium unlocks moat rating, sources & durability.
FSBC Catalysts & Growth Drivers
Near-Term (0-6 months)
- •Q1 2026 Earnings Report (Estimated Early May 2026)
- •Federal Reserve interest rate policy decisions
Medium-Term (6-18 months)
- •Sustained regional economic growth in key operating markets
- •Potential opportunistic small-scale M&A activity
Long-Term (18+ months)
- •Continued incremental growth in loan and deposit portfolios
- •Modest expansion of digital banking services to retain market share
Catalysts & Growth Drivers
Upgrade to Premium to see catalysts
FSBC Bull Case: What Could Go Right
- ✓
Loan and deposit portfolio quality trends
- ✓
Net Interest Margin (NIM) trajectory
- ✓
Signs of substantial M&A activity (either as acquirer or target) that could fundamentally alter scale or market position
Bull Case Analysis
See what could go right with Premium
Never miss a move on FSBC
Create a free account to set price alerts and get notified on Telegram when FSBC hits your targets.
📊 Explore More Stock Analysis
Get comprehensive Deep Value Reports for thousands of stocks. Research risk, financial health, and investment potential.
FAQ
What is the DVR Score for Five Star Bancorp (FSBC)?
As of March 21, 2026, Five Star Bancorp has a DVR Score of 0.7 out of 10, placing it in the "Distressed" category. This score is generated by our AI-powered deep value analysis framework that evaluates growth potential, financial health, competitive moat, and risk factors.
What is the market capitalization of Five Star Bancorp?
Five Star Bancorp's market capitalization is approximately $685.3M. The company operates in the Financial Services sector within the Banks - Regional industry.
What ticker symbol does Five Star Bancorp use?
FSBC is the ticker symbol for Five Star Bancorp. The company trades on the NMS.
What is the risk level for FSBC stock?
Our analysis rates Five Star Bancorp's overall risk as Moderate. This assessment considers execution risk, market risk, financial risk, competitive risk, and regulatory risk. For a full breakdown, see the risk analysis section above.
What is the P/E ratio of FSBC?
Five Star Bancorp currently has a price-to-earnings (P/E) ratio of 13.1. This is below the market average, which could indicate the stock is undervalued or facing headwinds.
Does Five Star Bancorp pay a dividend?
Yes, Five Star Bancorp pays a dividend with a current yield of approximately 252.00%.
How often is the FSBC DVR analysis updated?
Our AI-powered analysis of Five Star Bancorp is refreshed regularly to incorporate the latest financial data, market conditions, and news. The most recent update was on March 21, 2026.
Important Disclaimer – Not Financial Advice
Deep Value Reports is an independent research platform for educational and informational purposes only. We are not financial advisors, investment advisors, or licensed professionals. The analysis, scores, and information provided should not be construed as personalized investment advice, a recommendation to buy or sell any security, or an offer to provide investment advisory services.
All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. Always conduct your own research and consult with a qualified financial advisor.