FIVE STAR BANCORP(FSBC)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
FSBC Stock Analysis & AI Quality Score
AI stock analysis and institutional research for FIVE STAR BANCORP (FSBC), a Financials sector company. FSBC is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), FIVE STAR BANCORP reports quarterly revenue of $45.1M, net income of $18.6M, an operating margin of 55.5%. Top institutional holders of FSBC by reported 13-F value include Davis Asset Management, L.P., BlackRock,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. FSBC trades on the Nasdaq exchange and files with the SEC under CIK 1275168. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate FSBC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for FIVE STAR BANCORP directly from SEC EDGAR.
Revenue
Q1 2026
$45.1M
Net Income
Q1 2026
$18.6M
Free Cash Flow
Q1 2026
$18.8M
Operating Margin
Q1 2026
55.5%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+34.9% YoYEPS (Diluted)
+28.3% YoYTotal Assets
+17.3% YoYOp. Cash Flow
+40.2% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2020 |
|---|---|---|---|---|
| Net Income | $61.6M +34.9% | $45.7M -4.3% | $47.7M +32.9% | $35.9M |
| EPS (Diluted) | $2.90 +28.3% | $2.26 -18.7% | $2.78 -22.1% | $3.57 |
| Total Assets | $4.75B +17.3% | $4.05B +12.8% | $3.59B +83.9% | $1.95B |
| Operating Cash Flow | $72.6M +40.2% | $51.8M +33.1% | $38.9M -24.4% | $51.5M |
AI Insight: FSBC Financial Trends
Five Star Bancorp delivered consistent profitability growth with net income rising 73% from $11M in Q2 2024 to $19M in Q1 2026.
• Net income grew steadily from $11M in Q2 2024 to $19M in Q1 2026, representing 73% growth over eight quarters.
• Equity base expanded consistently from $380M in Q2 2024 to $459M in Q1 2026, indicating retained earnings accumulation.
• Operating cash flow showed volatility, declining from $21M in Q4 2025 to $19M in Q1 2026.
⚠ Operating cash flow declined to $19M in Q1 2026 from $21M in Q4 2025, breaking recent upward momentum.
⚠ Revenue and total debt data missing across all periods limits comprehensive financial analysis and trend assessment.
AI Insight: FSBC Ratio Trends
Five Star Bancorp's profitability surged with ROE climbing from 11.2% in Q3 2024 to 16.2% in Q1 2026.
• ROE expanded from 11.2% in Q3 2024 to 16.2% in Q1 2026, showing consistent quarterly improvement.
• ROA rose from 1.1% in Q3 2024 to 1.5% in Q1 2026, indicating improving asset utilization.
• ROIC increased from 15.6% in Q3 2024 to 21.8% in Q1 2026, demonstrating strengthening capital efficiency.
⚠ TTM ROE of 14.6% trails Q1 2026's 16.2%, suggesting recent quarters outpaced earlier performance.
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Available Research
13F Pro tracks comprehensive data for FIVE STAR BANCORP including:
Top Institutional Holders of FSBC
Davis Asset Management, L.P.
$57.0M1,511,500 shBlackRock, Inc.
$44.9M1,191,335 shVANGUARD CAPITAL MANAGEMENT LLC
$24.9M661,327 shADAGE CAPITAL PARTNERS GP, L.L.C.
$19.2M508,327 shFRANKLIN RESOURCES INC
$17.9M473,259 shCAPTRUST FINANCIAL ADVISORS
$17.6M466,980 shAMERICAN CENTURY COMPANIES INC
$17.3M459,315 shGEODE CAPITAL MANAGEMENT, LLC
$15.3M404,410 shKENNEDY CAPITAL MANAGEMENT LLC
$14.2M377,585 shSTATE STREET CORP
$13.1M348,307 sh
| Fund | Value | Shares |
|---|---|---|
| Davis Asset Management, L.P. | $57.0M | 1,511,500 |
| BlackRock, Inc. | $44.9M | 1,191,335 |
| VANGUARD CAPITAL MANAGEMENT LLC | $24.9M | 661,327 |
| ADAGE CAPITAL PARTNERS GP, L.L.C. | $19.2M | 508,327 |
| FRANKLIN RESOURCES INC | $17.9M | 473,259 |
| CAPTRUST FINANCIAL ADVISORS | $17.6M | 466,980 |
| AMERICAN CENTURY COMPANIES INC | $17.3M | 459,315 |
| GEODE CAPITAL MANAGEMENT, LLC | $15.3M | 404,410 |
| KENNEDY CAPITAL MANAGEMENT LLC | $14.2M | 377,585 |
| STATE STREET CORP | $13.1M | 348,307 |
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Popular Research
Is FSBC a good stock to buy?
13F Pro's AI-powered analysis of FIVE STAR BANCORP (FSBC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for FSBC are available on the FSBC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own FSBC?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling FSBC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of FIVE STAR BANCORP's investment landscape.