Five Star Bancorp (NASDAQ:FSBC) Receives Average Recommendation of “Moderate Buy” from Analysts

Posted by Francis Steltz on Jul 30th, 2026

Shares of Five Star Bancorp (NASDAQ:FSBC – Get Free Report) have been given an average rating of “Moderate Buy” by the six ratings firms that are presently covering the stock, MarketBeat Ratings reports. Two research analysts have rated the stock with a hold rating and four have assigned a buy rating to the company. The average 12 month target price among analysts that have issued ratings on the stock in the last year is $45.20.

Several research analysts recently weighed in on the stock. Keefe, Bruyette & Woods upped their price target on shares of Five Star Bancorp from $41.00 to $43.00 and gave the stock a “market perform” rating in a research report on Friday, May 1st. Weiss Ratings reiterated a “buy (b)” rating on shares of Five Star Bancorp in a research note on Monday, June 1st. DA Davidson raised their target price on Five Star Bancorp from $53.00 to $55.00 and gave the company a “buy” rating in a research report on Wednesday. Finally, Stephens set a $51.00 price target on Five Star Bancorp in a research note on Monday.

Read Our Latest Analysis on FSBC

Insider Buying and Selling at Five Star Bancorp

In other Five Star Bancorp news, Director Judson Teichert Riggs purchased 2,273 shares of the firm’s stock in a transaction dated Wednesday, July 22nd. The shares were purchased at an average cost of $44.00 per share, with a total value of $100,012.00. Following the completion of the purchase, the director owned 87,531 shares in the company, valued at approximately $3,851,364. This represents a 2.67% increase in their position. The acquisition was disclosed in a document filed with the SEC, which is available through this link. Also, Director Robert Truxtun Perry-Smith purchased 31,363 shares of the stock in a transaction that occurred on Wednesday, July 22nd. The shares were acquired at an average price of $44.00 per share, for a total transaction of $1,379,972.00. Following the completion of the transaction, the director directly owned 258,898 shares of the company’s stock, valued at $11,391,512. The trade was a 13.78% increase in their position. Additional details regarding this purchase are available in the official SEC disclosure. Over the last three months, insiders have bought 142,727 shares of company stock valued at $6,279,988 and have sold 12,692 shares valued at $524,640. 21.79% of the stock is owned by corporate insiders.

Institutional Inflows and Outflows

Several institutional investors have recently modified their holdings of FSBC. Russell Investments Group Ltd. purchased a new position in Five Star Bancorp during the second quarter worth about $34,000. Quarry LP purchased a new stake in Five Star Bancorp in the 3rd quarter valued at about $40,000. Raymond James Financial Inc. acquired a new position in Five Star Bancorp in the second quarter valued at about $64,000. State of Alaska Department of Revenue boosted its stake in Five Star Bancorp by 154.6% during the fourth quarter. State of Alaska Department of Revenue now owns 2,177 shares of the company’s stock worth $77,000 after buying an additional 1,322 shares during the period. Finally, Tower Research Capital LLC TRC raised its stake in shares of Five Star Bancorp by 65.5% in the 2nd quarter. Tower Research Capital LLC TRC now owns 3,435 shares of the company’s stock valued at $98,000 after acquiring an additional 1,359 shares during the period. Hedge funds and other institutional investors own 46.94% of the company’s stock.

Five Star Bancorp Price Performance

Shares of NASDAQ:FSBC opened at $47.42 on Thursday. The business’s 50 day moving average price is $45.95 and its 200-day moving average price is $41.64. Five Star Bancorp has a 1 year low of $28.34 and a 1 year high of $50.26. The firm has a market capitalization of $1.01 billion, a price-to-earnings ratio of 14.03 and a beta of 0.53.

Five Star Bancorp (NASDAQ:FSBC – Get Free Report) last posted its quarterly earnings data on Wednesday, July 22nd. The company reported $0.91 earnings per share for the quarter, topping analysts’ consensus estimates of $0.86 by $0.05. The company had revenue of $47.95 million during the quarter, compared to analysts’ expectations of $47.72 million. Five Star Bancorp had a net margin of 25.92% and a return on equity of 16.17%. On average, sell-side analysts expect that Five Star Bancorp will post 3.55 earnings per share for the current year.

Five Star Bancorp Dividend Announcement

The firm also recently announced a quarterly dividend, which will be paid on Monday, August 10th. Shareholders of record on Monday, August 3rd will be paid a dividend of $0.25 per share. This represents a $1.00 annualized dividend and a yield of 2.1%. The ex-dividend date of this dividend is Monday, August 3rd. Five Star Bancorp’s payout ratio is 29.59%.

Trending Headlines about Five Star Bancorp

Here are the key news stories impacting Five Star Bancorp this week:

Positive Sentiment: Directors made substantial open-market purchases. Six directors collectively bought 142,727 shares for approximately $6.28 million at $44 per share. The largest purchase was Larry Eugene Allbaugh’s 96,591-share, $4.25 million acquisition. Broad insider buying can signal confidence in FSBC’s valuation and outlook. Insider buying report
Positive Sentiment: Recent earnings exceeded expectations. Five Star Bancorp reported quarterly EPS of $0.91 versus the $0.86 consensus estimate, while revenue of roughly $48.0 million also topped forecasts. Its 16.17% return on equity and 25.92% net margin reinforce the case that earnings are supporting fair value. A valuation analysis described FSBC as approximately 2% undervalued. Fair value analysis
Positive Sentiment: The quarterly dividend remains attractive. The company declared a $0.25-per-share dividend, equivalent to $1.00 annually and a yield of about 2.1%. The payout ratio is approximately 29.6%, suggesting room to maintain the dividend if earnings remain stable.
Neutral Sentiment: The completed capital raise improves financial flexibility. Including the underwriters’ overallotment, FSBC sold 3,133,750 shares at $44 each and expects approximately $130.6 million in net proceeds. The funds may support Five Star Bank investments, loan growth and other corporate purposes. Offering announcement
Negative Sentiment: The offering creates near-term shareholder dilution. The increased share count could pressure per-share earnings and offset some of the benefit from the new capital, likely contributing to caution despite the positive operating and insider-buying signals.

About Five Star Bancorp

(Get Free Report)

Five Star Bancorp, Inc is the bank holding company for Five Star Bank, a community-focused financial institution serving retail and commercial customers primarily in Upstate New York. Headquartered in Rochester, the company provides a range of banking and financial services designed to meet the needs of individuals, families and businesses throughout its regional footprint.

The company’s core business activities include deposit services—such as checking, savings and money market accounts—alongside consumer and mortgage lending.