FSBC Five Star Bancorp - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ 10-K/10-Q Aug 6, 2026
$44.09
· of 52w range
· above low
· to high
$32.2052w low
$50.2652w high
Market Cap (MRQ)
$944M
P/E
15.2
EPS
$2.90
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52W Range
$32–$50
Analyst Rating
BUY
Price Target
$51
P/E
15.2
ROE
14.3%
Net Profit Margin
38.9%
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FSBC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$44.09
Market Cap (MRQ)
$944M
P/E
15.2
EPS
$2.90
Div Yield
1.8%
ROE
14.3%
52W Range
$32–$50
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$2.902020-12-31 → 2025-12-31
Free Cash Flow$71M2021-12-31 → 2025-12-31
Net margin38.9%2021-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | FSBC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 15.25Y avg ≈11.2 | ≈11.2 | 12.5 | Overvalued | |
| P/S | 5.95Y avg ≈4.8 | ≈4.8 | 3.8 | Overvalued | |
| P/B (MRQ) | 2.05Y avg ≈1.8 | ≈1.8 | 1.2 | Overvalued | |
| Price / FCF (TTM) | 11.75Y avg ≈12.8 | ≈12.8 | · | · | |
| Price / Cash Flow (TTM) | 11.55Y avg ≈12.6 | ≈12.6 | 9.8 | Fair value | |
| Price / Tangible Book | 2.15Y avg ≈1.8 | ≈1.8 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | FSBC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 52.8%5Y avg ≈54.6% | ≈54.6% | 40.2% | Top tier | |
| Net Profit Margin | 38.9%5Y avg ≈41.2% | ≈41.2% | 32.7% | Top tier | |
| ROA | 1.4%5Y avg ≈1.5% | ≈1.5% | 0.97% | Top tier | |
| ROE | 14.3%5Y avg ≈15.9% | ≈15.9% | 9.2% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | FSBC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 25.6%5Y avg ≈16.7% | ≈16.7% | · | · | |
| Revenue CAGR 3Y | 12.9%5Y avg ≈14.6% | ≈14.6% | · | · | |
| Revenue CAGR 5Y | 16.3% | · | · | · | |
| EPS YoY | 28.3%5Y avg ≈-2.5% | ≈-2.5% | · | · | |
| Net Income YoY | 34.9%5Y avg ≈12.2% | ≈12.2% | · | · | |
| EPS CAGR 3Y | 3.6%5Y avg ≈-3.9% | ≈-3.9% | · | · | |
| EPS CAGR 5Y | -4.1% | · | · | · | |
| Net Income CAGR 3Y | 11.2%5Y avg ≈7.9% | ≈7.9% | · | · | |
| Net Income CAGR 5Y | 11.4% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | FSBC | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | In line |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield1.8%
Payout Ratio27.7%
Annualized Payout≈$1.00
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 3, 2026 | $0.25 | USD | ≈2.0% |
| May 4, 2026 | $0.25 | USD | ≈2.2% |
| Feb 2, 2026 | $0.25 | USD | ≈2.1% |
| Nov 3, 2025 | $0.20 | USD | ≈2.3% |
| Aug 4, 2025 | $0.20 | USD | ≈2.7% |
| May 5, 2025 | $0.20 | USD | ≈2.9% |
| Feb 3, 2025 | $0.20 | USD | ≈2.7% |
| Nov 4, 2024 | $0.20 | USD | ≈2.7% |
| Aug 5, 2024 | $0.20 | USD | ≈3.0% |
| May 3, 2024 | $0.20 | USD | ≈3.6% |
| Feb 2, 2024 | $0.20 | USD | ≈3.4% |
| Nov 3, 2023 | $0.20 | USD | ≈3.6% |
| Aug 4, 2023 | $0.20 | USD | ≈2.9% |
| May 5, 2023 | $0.20 | USD | ≈3.4% |
| Feb 3, 2023 | $0.15 | USD | ≈2.1% |
| Nov 4, 2022 | $0.15 | USD | ≈2.1% |
| Aug 5, 2022 | $0.15 | USD | ≈2.4% |
| May 6, 2022 | $0.15 | USD | ≈2.3% |
| Feb 4, 2022 | $0.15 | USD | ≈1.5% |
| Oct 8, 2021 | $0.15 | USD | ≈1.2% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
5.6%
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 21, 2026 | $0.91 | $0.88 | 3.7% |
| March 31, 2026 | $0.87 | $0.80 | 8.4% | |
| Dec. 31, 2025 | $0.83 | $0.78 | 6.8% | |
| Sept. 30, 2025 | $0.77 | $0.72 | 6.7% | |
| June 30, 2025 | $0.68 | $0.65 | 4.9% | |
| March 31, 2025 | $0.62 | $0.60 | 3.0% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $64M | $15M | $4M | $9M | |
| Interest Income | $249M | $207M | $174M | $118M | $82M | $74M | |
| Pretax Income | $84M | $65M | $67M | $63M | $47M | $37M | |
| Income Tax | $22M | $19M | $19M | $18M | $5M | $1M | |
| Net Income | $62M | $46M | $48M | $45M | $42M | $36M | |
| EPS (Basic) | $2.90 | $2.26 | $2.78 | $2.61 | $2.83 | $3.57 | |
| EPS (Diluted) | $2.90 | $2.26 | $2.78 | $2.61 | $2.83 | $3.57 | |
| Shares (Basic) | 21,224,788 | 20,154,385 | 17,166,592 | 17,128,282 | 14,972,637 | 10,063,183 | |
| Shares (Diluted) | 21,273,552 | 20,205,440 | 17,187,969 | 17,165,610 | 14,995,213 | 10,063,183 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Cash & Equivalents | · | · | · | · | $425M | $290M | |
| PP&E (Net) | $2M | $2M | $2M | $2M | $2M | $2M | |
| PP&E (Gross) | $8M | $7M | $6M | $6M | $5M | $5M | |
| Accum. Depreciation | $6M | $5M | $5M | $4M | $4M | $3M | |
| Total Assets | $4.75B | $4.05B | $3.59B | $3.23B | $2.56B | $1.95B | |
| Total Liabilities | $4.31B | $3.66B | $3.31B | $2.97B | $2.32B | $1.82B | |
| Common Stock | $304M | $303M | $221M | $220M | $218M | $110M | |
| Retained Earnings | $151M | $106M | $77M | $47M | $17M | $22M | |
| AOCI | $-9M | $-12M | $-12M | $-13M | $-566.0K | $1M | |
| Stockholders' Equity | $446M | $397M | $286M | $253M | $235M | $134M | |
| Liabilities + Equity | $4.75B | $4.05B | $3.59B | $3.23B | $2.56B | $1.95B | |
| Shares Outstanding | 21,367,387 | 21,319,083 | 17,256,989 | 17,241,926 | 17,224,848 | 11,000,273 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| D&A | $2M | $2M | $2M | $2M | $607.0K | $461.0K | |
| Stock-based Comp | $1M | $1M | $962.0K | $1M | $1M | $316.0K | |
| Deferred Tax | $-578.0K | $-243.0K | $-897.0K | $-2M | $-4M | · | |
| Operating Cash Flow | $73M | $52M | $39M | $46M | $29M | $51M | |
| CapEx | $1M | $628.0K | $653.0K | $481.0K | $717.0K | $833.0K | |
| Investing Cash Flow | $-544M | $-447M | $-279M | $-837M | $-455M | $-373M | |
| Stock Issued | $0 | $81M | $0 | $0 | $111M | $13M | |
| Net Stock Activity | $0 | $81M | · | $0 | $111M | · | |
| Dividends Paid | $17M | $16M | $13M | $15M | $52M | · | |
| Financing Cash Flow | $626M | $426M | $302M | $626M | $561M | $434M | |
| Net Change in Cash | $155M | $31M | $62M | $-165M | $135M | $113M | |
| Taxes Paid | $25M | $17M | $20M | $5M | $10M | $2M | |
| Free Cash Flow | $71M | $51M | $38M | $45M | $28M | · | |
| Levered FCF | · | · | $-7M | $35M | $24M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Net Margin | 38.9% | 36.2% | 40.3% | 40.6% | 50.0% | · | |
| Pretax Margin | 52.8% | 51.3% | 56.3% | 57.0% | 55.5% | · | |
| ROA | 1.4% | 1.2% | 1.4% | 1.6% | 1.9% | · | |
| ROE | 14.3% | 11.6% | 17.1% | 18.2% | 18.4% | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Book Value / Share | $20.87 | $18.60 | $16.56 | $14.66 | $13.65 | · | |
| Revenue / Share | $7.45 | $6.24 | $6.89 | $6.42 | $5.66 | · | |
| Cash Flow / Share | $3.41 | $2.56 | $2.26 | $2.68 | $1.91 | · | |
| Cash / Share | · | · | · | · | $24.69 | · | |
| Dividend Paid / Share | $0.80 | $0.80 | $0.75 | $1.05 | $4.55 | $2.63 | |
| EPS (TTM) | $2.90 | $2.26 | $2.78 | $2.61 | $2.83 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue YoY | 25.6% | 6.6% | 7.4% | 29.8% | 13.9% | · | |
| Revenue CAGR 3Y | 12.9% | 14.1% | 16.7% | · | · | · | |
| Revenue CAGR 5Y | 16.3% | · | · | · | · | · | |
| EPS YoY | 28.3% | -18.7% | 6.5% | -7.8% | -20.7% | · | |
| EPS CAGR 3Y | 3.6% | -7.2% | -8.0% | · | · | · | |
| EPS CAGR 5Y | -4.1% | · | · | · | · | · | |
| Net Income YoY | 34.9% | -4.3% | 6.6% | 5.6% | 18.1% | · | |
| Net Income CAGR 3Y | 11.2% | 2.5% | 9.9% | · | · | · | |
| Net Income CAGR 5Y | 11.4% | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue TTM | $158M | $126M | $118M | $110M | $85M | · | |
| Net Income TTM | $62M | $46M | $48M | $45M | $42M | · | |
| Market Cap | $765M | $641M | $452M | $470M | $517M | · | |
| P/E | 12.3 | 13.3 | 9.4 | 10.4 | 10.6 | · | |
| P/S | 4.8 | 5.1 | 3.8 | 4.3 | 6.1 | · | |
| P/B | 1.7 | 1.6 | 1.6 | 1.9 | 2.2 | · | |
| P / Tangible Book | 1.7 | 1.6 | 1.6 | 1.9 | 2.2 | · | |
| P / Cash Flow | 10.5 | 12.4 | 11.6 | 10.2 | 18.0 | · | |
| P / FCF | 10.7 | 12.5 | 11.8 | 10.3 | 18.5 | · | |
| Dividend Yield | 2.2% | 2.5% | 2.9% | 3.3% | 10.1% | · | |
| Earnings Yield | 8.1% | 7.5% | 10.6% | 9.6% | 9.4% | · | |
| Payout Ratio | 27.7% | 35.6% | 27.1% | 34.2% | · | · | |
| Annual Payout | $17M | $16M | $13M | $15M | $52M | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $21M | · | $18M | $15M | $11M | · | $4M | |
| Interest Income | $72M | $67M | $66M | $65M | $61M | $57M | $58M | $53M | $49M | $48M | $46M | $45M | $43M | $40M | $37M | $32M | |
| Pretax Income | $26M | $25M | $23M | $22M | $20M | $18M | $19M | $15M | $15M | $15M | $15M | $16M | $17M | $19M | $19M | $17M | |
| Income Tax | $7M | $6M | $5M | $6M | $6M | $5M | $6M | $4M | $4M | $4M | $4M | $5M | $4M | $5M | $5M | $5M | |
| Net Income | $19M | $19M | $18M | $16M | $15M | $13M | $13M | $11M | $11M | $11M | $11M | $11M | $13M | $13M | $13M | $12M | |
| EPS (Basic) | $0.91 | $0.87 | $0.83 | $0.77 | $0.68 | $0.62 | $0.61 | $0.52 | $0.51 | $0.62 | $0.63 | $0.64 | $0.74 | $0.77 | $0.77 | $0.68 | |
| EPS (Diluted) | $0.91 | $0.87 | $0.83 | $0.77 | $0.68 | $0.62 | $0.61 | $0.52 | $0.51 | $0.62 | $0.63 | $0.64 | $0.74 | $0.77 | $0.77 | $0.68 | |
| Shares (Basic) | 21,273,902 | 21,253,085 | · | 21,231,563 | 21,225,831 | 21,209,881 | · | 21,182,143 | 21,039,798 | 17,190,867 | · | 17,175,034 | 17,165,344 | 17,150,174 | · | 17,140,435 | |
| Shares (Diluted) | 21,338,903 | 21,313,078 | · | 21,281,818 | 21,269,265 | 21,253,588 | · | 21,232,758 | 21,058,085 | 17,272,994 | · | 17,194,825 | 17,168,995 | 17,194,884 | · | 17,168,447 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | · | $2M | $2M | $2M | · | $2M | |
| PP&E (Gross) | · | · | $8M | · | · | · | $7M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $6M | · | · | · | $5M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $5.38B | $5.03B | $4.75B | $4.64B | $4.41B | $4.25B | $4.05B | $3.89B | $3.63B | $3.48B | · | $3.51B | $3.40B | $3.40B | · | $3.07B | |
| Total Liabilities | $4.90B | $4.57B | $4.31B | $4.21B | $4.00B | $3.84B | $3.66B | $3.50B | $3.25B | $3.18B | · | $3.23B | $3.13B | $3.14B | · | $2.84B | |
| Common Stock | $305M | $304M | $304M | $304M | $303M | $303M | $303M | $302M | $302M | $221M | · | $220M | $220M | $220M | · | $219M | |
| Retained Earnings | $178M | $164M | $151M | $138M | $126M | $115M | $106M | $97M | $91M | $84M | · | $70M | $62M | $53M | · | $36M | |
| AOCI | $-9M | $-10M | $-9M | $-10M | $-12M | $-12M | $-12M | $-10M | $-12M | $-12M | · | $-16M | $-13M | $-12M | · | $-16M | |
| Stockholders' Equity | $474M | $459M | $446M | $431M | $417M | $406M | $397M | $390M | $380M | $293M | $286M | $274M | $269M | $261M | $253M | $239M | |
| Liabilities + Equity | $5.38B | $5.03B | $4.75B | $4.64B | $4.41B | $4.25B | $4.05B | $3.89B | $3.63B | $3.48B | · | $3.51B | $3.40B | $3.40B | · | $3.07B | |
| Shares Outstanding | 21,402,864 | 21,376,153 | 21,367,387 | 21,367,387 | 21,360,991 | 21,329,235 | 21,319,083 | 21,319,583 | 21,319,583 | 17,353,251 | 17,256,989 | 17,257,357 | 17,257,357 | 17,258,904 | 17,241,926 | 17,245,983 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | · | · | · | · | $445.0K | $461.0K | $470.0K | $469.0K | $466.0K | $472.0K | $385.0K | $403.0K | $405.0K | $419.0K | $410.0K | $910.0K | |
| Stock-based Comp | $500.0K | $382.0K | $402.0K | $400.0K | $400.0K | $257.0K | $257.0K | $300.0K | $300.0K | $299.0K | $320.0K | $200.0K | $200.0K | $242.0K | $222.0K | $300.0K | |
| Deferred Tax | · | · | $-1M | $10.0K | $712.0K | $0 | $-267.0K | $9.0K | $9.0K | $6.0K | $-976.0K | $9.0K | $8.0K | $62.0K | $-2M | $13.0K | |
| Operating Cash Flow | $24M | $19M | $21M | $19M | $18M | $15M | $18M | $18M | $16M | $247.0K | $-2M | $15M | $25M | $694.0K | $18M | $16M | |
| CapEx | $441.0K | $168.0K | $638.0K | $215.0K | $244.0K | $100.0K | $106.0K | $210.0K | $204.0K | $108.0K | $183.0K | $135.0K | $95.0K | $240.0K | $75.0K | $95.0K | |
| Investing Cash Flow | $-308M | $-144M | $-188M | $-127M | $-141M | $-89M | $-70M | $-203M | $-161M | $-12M | $-72M | $-81M | $-59M | $-69M | $-207M | $-198M | |
| Stock Issued | · | · | $0 | $0 | · | · | $0 | $0 | · | · | $0 | $0 | · | · | $0 | $0 | |
| Dividends Paid | $5M | $5M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | |
| Financing Cash Flow | $325M | $263M | $93M | $205M | $154M | $174M | $154M | $246M | $150M | $-125M | $71M | $89M | $-14M | $156M | $131M | $229M | |
| Net Change in Cash | $41M | $138M | $-74M | $97M | $31M | $100M | $101M | $60M | $5M | $-136M | $-2M | $23M | $-48M | $88M | $-58M | $47M | |
| Taxes Paid | $7M | $177.0K | $7M | $5M | $13M | $26.0K | $5M | $2M | $9M | $144.0K | $18M | $794.0K | $686.0K | $0 | $0 | $0 | |
| Free Cash Flow | · | $19M | · | · | · | $15M | · | · | · | $139.0K | · | · | · | $454.0K | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-15M | · | · | · | $-7M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 40.5% | 41.3% | · | 39.6% | 37.9% | 37.1% | · | 34.4% | 35.2% | 37.2% | · | 38.3% | 41.9% | 43.1% | · | 40.4% | |
| Pretax Margin | 54.4% | 55.5% | · | 53.8% | 52.4% | 52.0% | · | 48.0% | 49.4% | 52.3% | · | 54.7% | 56.5% | 60.6% | · | 57.1% | |
| ROA | 0.40% | 0.40% | · | 0.38% | 0.36% | 0.34% | · | 0.30% | 0.31% | 0.31% | · | 0.34% | 0.41% | 0.43% | · | 0.42% | |
| ROE | 4.4% | 4.3% | · | 4.0% | 3.6% | 3.8% | · | 3.3% | 3.3% | 3.8% | · | 4.3% | 5.1% | 5.3% | · | 5.0% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $22.14 | $21.45 | · | $20.19 | $19.51 | $19.06 | · | $18.29 | $17.85 | $16.86 | · | $15.88 | $15.60 | $15.10 | · | $13.87 | |
| Revenue / Share | $2.25 | $2.12 | · | $1.94 | $1.80 | $1.66 | · | $1.50 | $1.46 | $1.65 | · | $1.68 | $1.77 | $1.77 | · | $1.69 | |
| Cash Flow / Share | · | $0.89 | · | · | · | $0.73 | · | · | · | $0.01 | · | · | · | $0.04 | · | · | |
| Dividend / Share | · | · | · | · | · | · | · | $0.20 | · | · | · | · | · | · | · | · | |
| Dividend Paid / Share | $0.25 | $0.25 | $0.20 | $0.20 | $0.20 | $0.20 | $0.20 | $0.20 | $0.20 | $0.20 | $0.20 | $0.20 | $0.20 | $0.15 | $0.15 | $0.15 | |
| EPS (TTM) | $3.38 | $3.15 | · | $2.68 | $2.43 | $2.26 | · | $2.28 | $2.40 | $2.63 | · | $2.92 | $2.96 | $2.80 | · | $2.43 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $178M | $168M | · | $150M | $141M | $133M | · | $120M | $117M | $116M | · | $121M | $121M | $117M | · | $103M | |
| Net Income TTM | $72M | $67M | · | $57M | $52M | $48M | · | $43M | $43M | $45M | · | $50M | $51M | $48M | · | $43M | |
| Market Cap | $1.04B | $806M | · | $688M | $610M | $593M | · | $634M | $504M | $390M | · | $346M | $386M | $368M | · | $489M | |
| P/E | 14.4 | 12.0 | · | 12.0 | 11.7 | 12.3 | · | 13.0 | 9.9 | 8.6 | · | 6.9 | 7.6 | 7.6 | · | 11.7 | |
| P/S | 5.9 | 4.8 | · | 4.6 | 4.3 | 4.5 | · | 5.3 | 4.3 | 3.4 | · | 2.9 | 3.2 | 3.2 | · | 4.8 | |
| P/B | 2.2 | 1.8 | · | 1.6 | 1.5 | 1.5 | · | 1.6 | 1.3 | 1.3 | · | 1.3 | 1.4 | 1.4 | · | 2.0 | |
| P / Tangible Book | 2.2 | 1.8 | · | 1.6 | 1.5 | 1.5 | · | 1.6 | 1.3 | 1.3 | · | 1.3 | 1.4 | 1.4 | · | 2.0 | |
| P / Cash Flow | · | 42.6 | · | · | · | 38.3 | · | · | · | 1580.8 | · | · | · | 530.7 | · | · | |
| Dividend Yield | 1.8% | 2.2% | · | 2.5% | 2.8% | 2.9% | · | 2.4% | 2.9% | 3.5% | · | 3.5% | 2.9% | 2.8% | · | 3.1% | |
| Earnings Yield | 6.9% | 8.3% | · | 8.3% | 8.5% | 8.1% | · | 7.7% | 10.2% | 11.7% | · | 14.6% | 13.2% | 13.1% | · | 8.6% | |
| Payout Ratio | · | 28.7% | · | · | · | 32.5% | · | · | · | 32.5% | · | · | · | 19.7% | · | · | |
| Annual Payout | $19M | $18M | · | $17M | $17M | $17M | · | $15M | $15M | $14M | · | $12M | $11M | $10M | · | $15M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $62M | $46M | $48M | $45M | $42M |
| Diluted EPS | $2.90 | $2.26 | $2.78 | $2.61 | $2.83 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $71M | $51M | $38M | $45M | $28M |
Institutional owners (13F) 175 filers · $558.2M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
175
Value held
$558.2M
New positions
48
Exited positions
9
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 48 (+23 vs prior Q) | 9 (+1 vs prior Q) | 54 (+13 vs prior Q) | 37 (-5 vs prior Q) | +871K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| Davis Asset Management, L.P. | $73,594,935 | 1,511,500 | 13.18% | Shares |
| BlackRock, Inc. | $64,815,675 | 1,331,191 | 11.61% | Shares |
| VANGUARD GROUP INC | $32,994,563 | 922,151 | 5.91% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $31,701,816 | 651,095 | 5.68% | Shares |
| AMERICAN CENTURY COMPANIES INC | $25,753,796 | 528,934 | 4.61% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $23,157,438 | 475,523 | 4.15% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $22,743,452 | 467,107 | 4.07% | Shares |
| FRANKLIN RESOURCES INC | $21,006,521 | 431,434 | 3.76% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $18,691,487 | 383,908 | 3.35% | Shares |
| STATE STREET CORP | $17,806,927 | 365,823 | 3.19% | Shares |
| Invesco Ltd. | $15,105,781 | 310,244 | 2.71% | Shares |
| ADAGE CAPITAL PARTNERS GP, L.L.C. | $14,859,263 | 305,181 | 2.66% | Shares |
| Nuveen, LLC | $14,522,864 | 298,272 | 2.60% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $14,226,828 | 292,192 | 2.55% | Shares |
| Pacific Ridge Capital Partners, LLC | $8,416,067 | 172,850 | 1.51% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $8,001,228 | 164,330 | 1.43% | Shares |
| NORTHERN TRUST CORP | $7,234,116 | 148,575 | 1.30% | Shares |
| BRIGHTON JONES LLC | $6,921,107 | 142,146 | 1.24% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $6,677,834 | 137,150 | 1.20% | Shares |
| Bragg Financial Advisors, Inc | $6,673,501 | 137,061 | 1.20% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $6,610,544 | 135,768 | 1.18% | Shares |
| Siena Capital Partners GP, LLC | $6,565,700 | 134,847 | 1.18% | Shares |
| JPMORGAN CHASE & CO | $5,863,314 | 121,696 | 1.05% | Shares |
| PRUDENTIAL FINANCIAL INC | $5,689,670 | 116,855 | 1.02% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $5,623,792 | 115,502 | 1.01% | Shares |
| Bank of New York Mellon Corp | $4,642,437 | 95,347 | 0.83% | Shares |
| MALTESE CAPITAL MANAGEMENT LLC | $4,382,099 | 90,000 | 0.79% | Shares |
| BANC FUNDS CO LLC | $4,183,396 | 85,919 | 0.75% | Shares |
| GOLDMAN SACHS GROUP INC | $4,170,639 | 85,657 | 0.75% | Shares |
| MORGAN STANLEY | $4,121,609 | 84,649 | 0.74% | Shares |
| TD Asset Management Inc | $3,364,284 | 69,096 | 0.60% | Shares |
| Russell Investments Group, Ltd. | $2,766,388 | 56,815 | 0.50% | Shares |
| Creative Planning | $2,560,251 | 52,583 | 0.46% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $2,498,041 | 51,305 | 0.45% | Shares |
| Pathstone Holdings, LLC | $2,269,051 | 46,602 | 0.41% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $2,160,278 | 44,368 | 0.39% | Shares |
| Qube Research & Technologies Ltd | $1,996,533 | 41,005 | 0.36% | Shares |
| Squarepoint Ops LLC | $1,993,807 | 40,949 | 0.36% | Shares |
| RAYMOND JAMES FINANCIAL INC | $1,778,937 | 36,536 | 0.32% | Shares |
| Mill Creek Capital Advisors, LLC | $1,757,827 | 46,602 | 0.31% | Shares |
| JCSD Capital, LLC | $1,737,170 | 41,000 | 0.31% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $1,711,502 | 35,151 | 0.31% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $1,579,358 | 32,437 | 0.28% | Shares |
| Swiss National Bank | $1,460,505 | 29,996 | 0.26% | Shares |
| GABELLI FUNDS LLC | $1,217,250 | 25,000 | 0.22% | Shares |
| IEQ CAPITAL, LLC | $1,203,201 | 24,711 | 0.22% | Shares |
| Rosenthal | Henry Capital Advisors, Inc. | $1,110,764 | 22,813 | 0.20% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,074,490 | 22,068 | 0.19% | Shares |
| Sanctuary Advisors, LLC | $1,051,899 | 21,604 | 0.19% | Shares |
| Point72 Asset Management, L.P. | $1,038,704 | 21,333 | 0.19% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Larry Eugene Allbaugh | May 14, 2021 | · | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 23 insiders · 10 officers · 12 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| James Eugene Beckwith | President & CEO | May 20, 2026 S | 466,586 | 0 | 5 | $-411,674 |
| Heather Christina Luck | EVP, Chief Financial Officer | May 21, 2026 A | 30,376 | 0 | 0 | $0 |
| Lydia Ann Ramirez-Medina | EVP, Chief Operating Officer | May 21, 2026 A | 13,675 | 0 | 2 | $-36,238 |
| Brett Levi Wait | SVP, Chief Information Officer | May 26, 2026 S | 16,873 | 0 | 2 | $-175,510 |
| Don Justin Kurtze | EVP, SF Bay Area President | May 21, 2026 A | 7,362 | 0 | 0 | $0 |
| Michael Eugene Lee | SVP, Chief Regulatory Officer | May 21, 2026 A | 33,669 | 0 | 4 | $-199,502 |
| John William Dalton | SVP, Chief Credit Officer | May 21, 2026 A | 32,662 | 0 | 0 | $0 |
| Shelley Ronan Wetton | SVP, Chief Marketing Officer | May 21, 2026 A | 24,711 | 0 | 0 | $0 |
| Michael Anthony Rizzo | EVP, Chief Banking Officer | May 21, 2026 A | 36,084 | 0 | 1 | $-23,896 |
| Kristine Mali Hyde | SVP & Chief HR Officer | Jan. 20, 2022 A | 7,219 | 0 | 0 | $0 |
| Lawrence Eugene Allbaugh | Director | Aug. 4, 2026 G | 210,695 | 2 | 0 | $4,250,004 |
| Robert Truxtun Perry-Smith | Director | July 22, 2026 P | 258,898 | 1 | 0 | $1,379,972 |
| Judson Teichert Riggs | Director | July 22, 2026 P | 87,531 | 1 | 0 | $100,012 |
| Kevin Francis Ramos | Director | July 22, 2026 P | 177,546 | 1 | 0 | $250,008 |
| Shannon Deary-Bell | Director | July 22, 2026 P | 85,244 | 1 | 0 | $250,008 |
| Donna Lucas | Director | July 22, 2026 P | 14,254 | 1 | 0 | $49,984 |
| Warren Paul Kashiwagi | Director | Jan. 29, 2026 A | 6,370 | 0 | 0 | $0 |
| David Frank Nickum | Director | Jan. 29, 2026 A | 179,876 | 0 | 0 | $0 |
| Randall E Reynoso | Director | Jan. 29, 2026 A | 22,870 | 0 | 0 | $0 |
| Michael D Campbell | Director | May 19, 2022 D | 278,599 | 0 | 0 | $0 |
| Philip Mark Joffe | Director | Dec. 9, 2021 A | 277,775 | 0 | 0 | $0 |
| Leigh Ann White | · | Feb. 7, 2024 A | 17,963 | 0 | 0 | $0 |
| David John Lucchetti | · | Oct. 25, 2023 P | 309,200 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 29 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.17% | 53,864 SH | Sept. 11, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.03% | 2,086 SH | Oct. 23, 2026 | Daily |
| IWO · iShares Trust | 0.03% | 104,643 SH | Sept. 11, 2026 | Daily |
| VTWG · VANGUARD SCOTTSDALE FUNDS | 0.03% | 11,873 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.03% | 433,620 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 7,517 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.02% | 67,647 NS | July 31, 2026 | N-PORT |
| VFMF · VANGUARD WELLINGTON FUND | 0.02% | 3,444 SH | Aug. 19, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 90,490 SH | Aug. 19, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.02% | 11,532 SH | Oct. 23, 2026 | Daily |
| ISCG · iShares Trust | 0.01% | 2,323 SH | Sept. 11, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 33,420 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 194,048 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 4,085 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 24,666 SH | Aug. 19, 2026 | Daily |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 4,177 NS | July 31, 2026 | N-PORT |
| WSML · iShares Trust | 0.01% | 977 SH | Sept. 11, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 468 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,137 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 5,249 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,447 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 12,597 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 4,796 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 4,023 SH | Sept. 3, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 442,446 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,210 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 55,456 SH | Sept. 11, 2026 | Daily |
| ISCB · iShares Trust | · | 703 SH | Sept. 11, 2026 | Daily |
| ISCV · iShares Trust | · | 2,251 SH | Sept. 11, 2026 | Daily |
FSBC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 11 analysts
BUY
Median target
$52.00
+17.9%
2 18.2%
Strong Buy
6 54.5%
Buy
3 27.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
5 analysts · 2026-10-24Mean target $51.40 +16.6%
← Below all targets
Current price $44.09
Low$48.00
Mean$51.40
High$55.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| FSBC | $765M | 12.3 | 25.6% | 38.9% | 14.3% | · |
| MCB | $770M | 11.5 | -53.8% | 643.2% | 9.7% | · |
| AMTB | · | 15.5 | 30.8% | 11.9% | 5.6% | · |
| HFWA | $803M | 12.1 | 13.5% | 27.4% | 7.5% | · |
| UVSP | $922M | 10.5 | 9.6% | 27.7% | 9.8% | · |
| NBN | · | · | · | · | · | · |
| MBWM | $826M | 8.8 | 4.8% | 36.6% | 13.1% | · |
| CFFN | $839M | 12.2 | 6.5% | 417.3% | 6.5% | · |
| CCNE | · | 10.5 | 24.6% | 23.4% | 8.8% | · |
| HBNC | $869M | -5.2 | 2.0% | 558.0% | -20.3% | · |
| BFST | $771M | 9.4 | 1.2% | 820.8% | 10.1% | · |
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Source: SEC 10-Q filed Aug 6, 2026