FSBC Stock Analysis: Buy, Sell, or Hold?
FSBC - Five Star Bancorp Common Stock
$47.19
-0.05 (-0.11%)
▼
5d:
+0.81%
30d:
-4.78%
90d:
+16.66%
BUY
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 26, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: FSBC shows positive signals but monitor for confirmation. Market pricing in 5.7% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: FSBC shows positive signals but monitor for confirmation. Market pricing in 5.7% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$52.45
Based on 5.6% avg growth
INTRINSIC VALUE TODAY
$32.57
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FSBC is currently trading at $47.19, which is considered oversold relative to its 30-day fair value range of $47.37 to $48.94. From a valuation perspective, the stock is trading at a premium (Forward PE: 12.6) compared to its historical average (10.7). At these levels, the market is pricing in 5.7% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, FSBC is in a strong uptrend. Immediate support is located at $44.73, while resistance sits at $49.82.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, FSBC is in a strong uptrend. Immediate support is located at $44.73, while resistance sits at $49.82.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$47.37 -
$48.94
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
73.8%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($51.00)
- NEUTRAL: Trading at premium valuation - market expects 5.7% growth which is achievable
Trading Range Analysis
30-Day Trading Range
$47.37 -
$48.94
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$44.73
Resistance Level
$49.82
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.64
Wall Street Target
$51.00
(+8.1%)
Revenue Growth (YoY)
27.6%
Earnings Growth (YoY)
33.8%
Profit Margin
43.0%
Valuation Premium vs History
+5.7% premium
PE vs Historical
12.6 vs 10.7
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+5.7%
(market-implied from PE analysis)
1-Year Target
$49.88
(+6%)
2-Year Target
$52.72
(+12%)
3-Year Target
$55.73
(+18%)
3-Yr Target (if PE normalizes)
(PE: 13→11)
PE COMPRESSION
$47.18
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 7.2%)
$95.29
(+102%)
Base:
(SPY PE: 12.6, Growth: 7.2%)
$58.09
(+23%)
Bear:
(PE: 10.7, Growth: 7.2%)
$49.19
(+4%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (19x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 18.90 | Current EPS (TTM): $2.50
Bull Case
$77.61
(+65%)
Analyst growth 49.4%, PE expands to 20.8
Base Case
$70.56
(+50%)
Market implied 49.4%, PE stable at 18.9
Bear Case
$32.12
(-32%)
Severe decline -20.0%, PE contracts to 16.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 02, 2026 7:00 PM ET
Data refreshes hourly during market hours. Next update: 8:00 PM
Data refreshes hourly during market hours. Next update: 8:00 PM
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Technical Signals Check
Is FSBC showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
James Eugene Beckwith
SELL
4000 shares
2026-03-09
Michael Eugene Lee
SELL
1200 shares
2026-02-20
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