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FSBC
Volume: 146.3K

FSBC Stock Forecast & Price Target

FSBC Analyst Ratings

Based on 5 analyst ratings
Buy
Strong Buy 40%
Buy 20%
Hold 40%
Sell 0%
Strong Sell 0%

Bulls say

Five Star is benefiting from a strong mix of balance-sheet growth, expanding net interest income, and disciplined funding costs, with NII rising to $43.5M as NIM widened 4bp to 3.70% and average earning assets grew 18% LQA. Its 1Q26 EPS of $0.87 exceeded expectations, while loan growth of 13.6% LQA and deposit growth of 25.9% LQA underscore durable franchise momentum across CRE and core funding channels. Asset quality remains stable, with NPAs at 7bp of loans+REO, ACL at 1.10%, and only modest NCOs, supporting confidence that earnings growth can continue alongside prudent credit management.

Bears say

Five Star is facing a negative outlook because its balance sheet remains highly exposed to concentrated commercial real estate risk, with CRE/TRBC around 624% and 30 largest borrowers representing 31% of loans outstanding, leaving asset quality vulnerable if California real estate weakens. Although deposits grew strongly, with EOP deposits up 25.5% LQA and core deposits up 40.4% LQA, the quality of funding still looks uneven as wholesale deposits fell $82M Q/Q and management wants them eliminated by year-end, highlighting reliance on a few larger relationships. In a lower-for-longer rate environment, the company’s net interest margin faces ongoing pressure from lower new loan yields, while below-average liquidity and concentration in Sacramento and California amplify downside risk.

FSBC has been analyzed by 5 analysts, with a consensus rating of Buy. 40% of analysts recommend a Strong Buy, 20% recommend Buy, 40% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Five Star Bancorp and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Five Star Bancorp (FSBC) Forecast

Analysts have given FSBC a Buy based on their latest research and market trends.

According to 5 analysts, FSBC has a Buy consensus rating as of Oct 7, 2026. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $43.60, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $43.60, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Five Star Bancorp (FSBC)

Volume: 146.3K

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