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Upturn AI SWOT - About
Five Star Bancorp (FSBC)
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Upturn Advisory Summary
03/27/2025: FSBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 25.4% | Avg. Invested days 55 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 592.31M USD | Price to earnings Ratio 12.29 | 1Y Target Price 36.12 |
Price to earnings Ratio 12.29 | 1Y Target Price 36.12 | ||
Volume (30-day avg) 71939 | Beta 0.46 | 52 Weeks Range 20.48 - 34.89 | Updated Date 03/30/2025 |
52 Weeks Range 20.48 - 34.89 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 2.88% | Basic EPS (TTM) 2.26 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 38.31% | Operating Margin (TTM) 58.51% |
Management Effectiveness
Return on Assets (TTM) 1.2% | Return on Equity (TTM) 13.39% |
Valuation
Trailing PE 12.29 | Forward PE - | Enterprise Value 316600864 | Price to Sales(TTM) 4.97 |
Enterprise Value 316600864 | Price to Sales(TTM) 4.97 | ||
Enterprise Value to Revenue 5.39 | Enterprise Value to EBITDA - | Shares Outstanding 21329200 | Shares Floating 14377611 |
Shares Outstanding 21329200 | Shares Floating 14377611 | ||
Percent Insiders 26.61 | Percent Institutions 55.91 |
Analyst Ratings
Rating 4.25 | Target Price 37.62 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Five Star Bancorp
Company Overview
History and Background
Five Star Bancorp was founded in 1999 in Rancho Cordova, California. It has grown organically and through acquisitions to serve small and medium-sized businesses and individuals in Northern California.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products, including term loans, lines of credit, and real estate financing. Focuses on small to medium-sized businesses.
- Retail Banking: Offers deposit accounts, personal loans, and other retail banking services to individuals.
- Wealth Management: Provides investment and financial planning services to individuals and businesses.
Leadership and Structure
The leadership team includes James Beckwith (President and CEO). The organizational structure is typical of a community bank holding company, with various departments overseeing lending, operations, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial real estate properties. Market share data specific to Five Star Bancorp is difficult to obtain at the granular product level, but they are a significant player in their Northern California market. Competitors include other regional banks and credit unions like Bank of Stockton and Mechanics Bank
- Small Business Loans: Loans for working capital, equipment, and other business needs. Market share data specific to Five Star Bancorp is difficult to obtain at the granular product level, but they are a significant player in their Northern California market. Competitors include other regional banks and credit unions like Bank of Stockton and Mechanics Bank
- Deposit Accounts: Checking, savings, and money market accounts. Market share data specific to Five Star Bancorp is difficult to obtain at the granular product level, but they are a significant player in their Northern California market. Competitors include other regional banks and credit unions like Bank of Stockton and Mechanics Bank
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, regulatory changes, and increasing competition from fintech companies. Consolidation is also a trend in the community banking sector.
Positioning
Five Star Bancorp is positioned as a community bank focused on serving small and medium-sized businesses in Northern California. Their competitive advantage lies in their local expertise and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Northern California is substantial, estimated to be in the billions of dollars. Five Star Bancorp is positioned to capture a portion of this market through its branch network and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Solid credit quality
- Strong customer relationships
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking model
- Higher cost structure compared to larger banks
- Relatively small asset base
Opportunities
- Expand into new markets within Northern California
- Increase adoption of digital banking technologies
- Grow wealth management business
- Acquire smaller banks or branches
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in California
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BAC
- WFC
- C
- USB
- SFBK
Competitive Landscape
Five Star Bancorp competes with larger national and regional banks, as well as credit unions and fintech companies. Their advantage lies in their local focus and personalized service. Their disadvantage is their smaller size and limited resources.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Five Star Bancorp has historically grown through organic loan growth and selective acquisitions. Their focus on relationship banking has contributed to their growth.
Future Projections: Future growth is expected to be driven by continued expansion in Northern California and increased adoption of digital banking services. Analyst estimates vary, but generally project moderate growth in the coming years.
Recent Initiatives: Recent strategic initiatives include investments in technology to improve the customer experience and expansion into new markets within Northern California.
Summary
Five Star Bancorp is a community bank focused on Northern California, exhibiting strong local expertise. While benefiting from relationship banking and solid credit quality, it faces challenges from larger competitors and the need for digital adaptation. Strategic expansion and technology investments will be crucial for future growth. Potential economic downturns and rising interest rates pose risks.
Similar Companies
- SFBK
- FFWM
- BOKF
- TCBI
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Data Providers
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Investors should conduct their own research and consult with a financial advisor before making any investment decisions. Market share data can vary depending on the source and methodology used.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Five Star Bancorp
Exchange NASDAQ | Headquaters Rancho Cordova, CA, United States | ||
IPO Launch date 2021-05-04 | President, CEO & Director Mr. James Eugene Beckwith | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 205 | Website https://www.fivestarbank.com |
Full time employees 205 | Website https://www.fivestarbank.com | ||
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. In addition, the company offers loan products, such as commercial real estate loans; commercial land and construction loans; residential real estate and construction loans; farmland loans; the U.S. small business administration loans; and consumer and other loans, as well as operating lines of credit. Further, its investment portfolio consists of U.S. government agency securities, mortgage-backed securities, and obligations of states and political subdivisions. The company was founded in 1999 and is headquartered in Rancho Cordova, California.
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