XVARY Composite Score
57
/ 100
Below Average
Combines growth, value, risk, and momentum factors into a single institutional-grade score.
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What it is
It takes local deposits and turns them into business, real estate, farm, and construction loans across Northern California.
How it gets paid
Last year Five Star Bancorp made $249M in revenue. commercial real estate loans was the main engine at $84.7M, or 34% of sales.
Why it's growing
Revenue grew 20.3% last year. $2.26 matters most because full-year EPS dropped 18.7% from $2.78.
What just happened
The key takeaway is that quarterly EPS finished 2024 at $0.63, matching 4Q23 after dipping to $0.51 in 2Q24.
At a Glance
B+ balance sheet — decent shape, but not bulletproof
14.0x trailing p/e — the market's not buying it — or you found a deal
2.7% dividend yield — cash in your pocket every quarter
$2.26 fy2024 eps est
$6M fy2024 rev est
XVARY composite: 57/100 — below average
What They Do
It takes local deposits and turns them into business, real estate, farm, and construction loans across Northern California.
This is a relationship bank, not a branch-count bank. Five Star runs just 8 branches, yet it held $4.1 billion of deposits and $4.6 billion of assets at September 30, 2025. If your business wants a lender that knows local real estate, agriculture, and small companies, that focus matters more than a giant logo on the corner.
How They Make Money
$249M
annual revenue · their business grew +20.3% last year
commercial real estate loans
$84.7M
commercial business loans
$57.3M
land and construction loans
$44.8M
farmland loans
$29.9M
deposit and investment services
$32.4M
The Products That Matter
Commercial real estate lending
Commercial Real Estate Loans
core loan activity
this sits inside a bank that produced $207M of net interest income last year. if loan demand slows or borrowers get shaky, you feel it here first.
rate-sensitive
Business lending
Commercial & Industrial Loans
local business exposure
these loans tie you to Northern California business health across a nine-branch footprint. local knowledge helps on the way up. local concentration hurts on the way down.
economic read-through
Deposits and fee services
Consumer Banking
$42M non-interest income
the fee side produced $42M last year and grew 35%. that's the smaller piece today, but it is the only part of the mix making FSBC less dependent on pure spread income.
17% of revenue
Key Numbers
9.0%
debt/capital
Long-term debt to capital → how much borrowed money supports the bank → at 9%, this balance sheet is not stretched.
$2.26
2024 EPS
EPS → profit per share → it fell from $2.78 in 2023 to $2.26 in 2024, so the business got less profitable while the stock still trades at 14x earnings.
$4.1B
deposits
Deposits → customer money the bank can fund loans with → $4.1 billion across 8 branches is the scale fact that matters here.
2.7%
dividend yield
Dividend yield → your cash return while you wait → 2.7% gives you some patience, but it does not fix falling EPS.
Financial Health
B+
Strength
- balance sheet grade B+ — solid but not elite
- risk rank 3 — safer than 50% of stocks
- price stability 65 / 100
- long-term debt $74M (9% of capital)
B+ — functional but not a standout on the balance sheet.
Total Return vs. Market
source: institutional data · return history unavailable
What Just Happened
beat estimates
The key takeaway is that quarterly EPS finished 2024 at $0.63, matching 4Q23 after dipping to $0.51 in 2Q24.
Full-year EPS fell to $2.26 in 2024 from $2.78 in 2023. That tells you the quarter stabilized, but the year still got worse.
$183M
revenue
$0.77
eps
n/a
n/a
the number that mattered
$2.26 matters most because full-year EPS dropped 18.7% from $2.78, and that decline drives what investors should pay for the stock.
source: quarterly EPS history and SEC filings
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What Could Go Wrong
The #1 risk is Northern California credit and deposit concentration.
High
Regional concentration
all nine branches sit in Northern California. if that local economy weakens, 100% of the franchise feels it. there is no second geography to lean on.
direct exposure: all 9 branches in one region
High
Rate sensitivity
83% of revenue comes from net interest income. if deposit costs rise faster than loan yields, margins compress and the cheap-looking multiple stops looking cheap.
83% of revenue tied to spread economics
Med
Insider selling signal
CEO James Beckwith sold $146,640 of stock. that is not a thesis-killer by itself. it becomes more important if more selling shows up while management keeps selling the growth story.
one disclosed sale so far
Med
Small-bank scale
$249M of revenue and a $780M market cap leave less room for error than bigger banks have. a single bad credit pocket matters more when balance sheet strength is B+, not top tier.
$249M revenue bank with B+ strength
83% of revenue depends on spread economics and all 9 branches sit in one region, so a local downturn or margin squeeze would hit the core of this business fast.
Source: institutional data · regulatory filings · risk analysis
Pay Attention To
Core metric
Net interest income still runs the story
$207M of the bank's $249M revenue came from net interest income. if that line softens, the entire bull case gets thinner.
Risk
Watch for more insider selling
one $146,640 CEO sale is a data point. a pattern would be a signal.
Calendar
Next earnings needs to confirm the spread business
the next quarterly print should tell you whether the $0.58 EPS beat was durable or just one decent quarter in a stable rate setup.
Trend
Non-interest income is the diversification test
$42M grew 35% last year. if that keeps compounding faster than lending income, FSBC becomes a little less one-note.
Analyst Rankings
coverage depth
thin
in human-speak, not many analysts spend much time here, so you should lean harder on raw earnings, deposit trends, and credit signals.
consensus signal
limited
small regional banks often get less street attention. that means less consensus comfort and more room for both mispricing and blind spots.
Source: institutional data
Institutional Activity
institutional ownership data for FSBC is being compiled.
Source: institutional data
Price Targets
3-5 year target range
$38
Current price
Target midpoint · from current
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