| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 63 | 13.1x | 17.6x | Around median | |
Growth | 62 | 18.7% | 7.1% | Around median | |
Quality | 86 | — | — | Top tier | |
Safety | 14 | — | — | Bottom tier | |
Capital Return | 63 | 1.80% | 2.15% | Around median | |
Momentum | 86 | 44.6% | 2.3% | Top tier | |
Sentiment | 90 | 4 | 3 | Top tier |
Estimates — analyst targets and a simplified DCF, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Five Star Bancorp operates through Five Star Bank under a relationship-based banking model, providing customized banking services to small and medium-sized businesses and middle-market companies in California. Most of its operating income is generated from net interest income on loans and interest-earning balances; in fiscal Q2 2026, net interest income was $46.1 million, compared with noninterest income of $1.9 million. The stated areas of expansion include commercial banking in the Los Angeles region and food, agribusiness, and diversified industries through the Lodi branch, which opened on July 13, 2026.
In fiscal Q2 2026, net income was $19.4 million and earnings per share were $0.91, compared with net income of $18.6 million and earnings per share of $0.87 in fiscal Q1 2026. Net interest income increased 6.04% sequentially, but the net interest margin declined 7 basis points to 3.63%, while return on average assets was 1.49% and return on average equity was 16.67%. The latest revenue figure available from EDGAR was $69.0 million in fiscal Q1 2026, following annual revenue of $255.5 million and net income of $61.6 million in fiscal 2025.
Loans held for investment reached $4.5 billion on June 30, 2026, after sequential growth of $306.3 million, or 29% year over year, while deposits increased by $330 million, or 30% year over year. Asset growth came partly from a $175.3 million increase in the commercial real estate portfolio and the addition of $124.5 million in purchased loans to the consumer portfolio. The funding mix improved, with non-wholesale-funded deposits representing 94.79% of total deposits, while noninterest-bearing deposits accounted for approximately 24.5% on June 30, 2026.
Automated analysis for informational purposes only — not investment advice.
The average analyst price target is $53, within a narrow range of $51 to $55, with a consensus rating of “Buy.” The average is approximately 5.5% above the 52-week range high of $50.26, while the annual range extends from $30.68 to $50.26, reflecting expectations that require continued loan and deposit growth and the conversion of that growth into earnings. Conversely, this valuation faces pressure from net interest margin compression, higher nonperforming loans, and the public stock offering, factors that may make the achievement of analysts' targets dependent on the quality of growth execution and funding and credit management.
Figures in the text are as of 2026-09-02; the live price is shown at the top of the page.
Five Star Bancorp's net income was approximately $19.4 million and earnings per share were $0.91 in fiscal Q2 2026, compared with $18.6 million and $0.87 in the previous quarter. Net interest income increased 6.04% to $46.1 million, supported by a 4% increase in average loans and a 32% increase in average interest-earning balances at banks. The growth was volume-driven because the net interest margin declined 7 basis points to 3.63%.
Loans held for investment grew by $306.3 million during fiscal Q2 2026, equivalent to 29% year over year, reaching $4.5 billion on June 30, 2026. Deposits increased by $330 million, or 30% year over year, with non-wholesale-funded deposits rising by $463.1 million and wholesale deposits declining by $133.1 million. Total assets increased from $4.4 billion to $5.4 billion year over year.
The nonperforming loan ratio increased to 0.30% on June 30, 2026, from 0.07% on March 31, 2026. Management attributed the increase to one $11.4 million loan under the Community Reinvestment Act that was placed on nonaccrual status and said its estimated collateral value provides a substantial margin above its carrying value. The allowance for credit losses was $47.3 million, or 1.05% of loans held for investment, and the bank recorded a quarterly provision of $2.3 million.
The bank added five experienced bankers in April 2026 to lead its expansion in the Greater Los Angeles region from its administrative office in Newport Beach. It opened the full-service Lodi branch on July 13, 2026, to serve the agricultural economy and small and medium-sized businesses and support the food, agribusiness, and diversified industries sectors. The number of business development officers also increased from 43 to 45 during fiscal Q2 2026.
The company announced the pricing of an underwritten public offering of its common stock on July 22, 2026. On the July 23, 2026, call, management explained that the offering had not yet settled, so the call was limited to financial results and did not include a question-and-answer session. The share issuance could dilute shareholders' ownership and earnings per share, but the context does not provide a final share count or a quantified impact that would allow the scale of dilution to be estimated.
Analyst consensus rates the stock a “Buy,” with an average price target of $53 and a target range of $51 to $55. The average target exceeds the 52-week range high of $50.26, implying continued execution of the growth strategy and improved earnings despite margin pressure. During the three months through the latest transaction on July 22, 2026, insiders recorded seven purchases and zero sales, with net purchases of $6.3 million, a supportive signal rather than a guarantee of future performance.
