Pulling SEC filings + quote and writing the call…

FIVE STAR BANCORP
Next earnings Jul 21, 2026 · consensus $0.88 EPS, $48.7M rev
Last earnings -1.2% on 2026-04-28
Fast-growing Sacramento community bank with rebounding earnings, 13.8% ROE and a fair 16x P/E — quality at a reasonable price.
Sources: SEC EDGAR (CIK 0001275168, latest 10-Q filed 2026-05-07) · EODHD · analysis by claude-code · as of 6/25/2026, 2:23:45 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.
Quality fundamentals and an attractive price line up (~127% below fair value) — the rarer case where both the business and the entry look good.
Five Star Bancorp is a small but high-quality Northern California community bank that just delivered a standout year: FY2025 net income jumped 34.9% to $61.6M and diluted EPS climbed 28.3% to $2.90, snapping the FY2024 dip ($45.7M) that reflected peak deposit costs. Total assets grew 17.3% to $4.75B with loans held for investment at $4.1B against $4.2B in deposits — a loan/deposit ratio under 100% that is healthier than many SMID-cap banks and is corroborated by the 43.9% surge in cash to $507M. Operating cash flow rose 40.2% to $72.6M, confirming the earnings are cash-backed.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
Unlock with Pro€15/mo · cancel anytime
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $42.4M | $44.8M | $47.7M | $45.7M | $61.6M |
| Diluted EPS | $2.83 | $2.61 | $2.78 | $2.26 | $2.90 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Annual meeting vote results filed; routine governance disclosure, no financial impact
Q1 2026 10-Q filed; balance sheet growth continues from $4.75B FY2025 base
Q1 2026 earnings release furnished with results and investor presentation
Reg FD investor materials furnished; supplemental disclosure ahead of Q1 release
Reg FD investor presentation furnished; no material financial change disclosed
FY2025 10-K: assets $4.75B (+17%), NI $61.6M (+35%), ROE 13.8%
Shelf registration filed enabling future capital raises; potential dilution overhang
Q4/FY2025 earnings released: net income $61.6M, EPS $2.90, up ~28% YoY
1047 tracked peers · median
Source: EODHD. Yield = trailing-12-month dividends ÷ price.
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.
Last 90 days: 0 open-market buys · 2 sales
| 2026-05-29 | Allbaugh Larry Eugene Director | Gift | 150K | |
| 2026-05-26 | Wait Brett Levi SVP, Chief Information Officer | Sell | 1.64K @ $42.27 | $69.3K |
| 2026-05-21 | Wetton Shelley Ronan SVP, Chief Marketing Officer | Award | 905.00 | |
| 2026-05-21 | Wait Brett Levi SVP, Chief Information Officer | Award | 905.00 | |
| 2026-05-21 | Rizzo Michael Anthony EVP, Chief Banking Officer | Award | 2.71K | |
| 2026-05-21 | Ramirez-Medina Lydia Ann EVP, Chief Operating Officer | Award | 2.71K | |
| 2026-05-21 | Luck Heather Christina EVP, Chief Financial Officer | Award | 2.71K | |
| 2026-05-21 | Lee Michael Eugene SVP, Chief Regulatory Officer | Sell | 867.00 @ $41.23 | $35.7K |
| 2026-05-21 | Lee Michael Eugene SVP, Chief Regulatory Officer | Award | 905.00 |