FSBC Stock Analysis: Buy, Sell, or Hold?
FSBC - Five Star Bancorp Common Stock
$47.79
-0.08 (-0.17%)
▼
5d:
-2.43%
30d:
+8.47%
90d:
+18.5%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 22, 2026
8d
Get Alerted When FSBC Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
💡 BUY OPPORTUNITY: FSBC shows positive signals but monitor for confirmation. Market pricing in 4.7% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: FSBC shows positive signals but monitor for confirmation. Market pricing in 4.7% 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
$59.67
Based on 7.4% avg growth
INTRINSIC VALUE TODAY
$37.05
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 10.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FSBC is currently trading at $47.79, which is considered slightly high relative to its 30-day fair value range of $44.15 to $48.47. From a valuation perspective, the stock is trading at a premium (Forward PE: 12.1) compared to its historical average (10.6). At these levels, the market is pricing in 4.7% 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 uptrend. The price is approaching resistance at $44.49. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), 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 uptrend. The price is approaching resistance at $44.49. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), 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
SLIGHTLY HIGH
Historical Trading Range
$44.15 -
$48.47
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
61.4%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($47.40)
- NEUTRAL: Market pricing in 4.7% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$44.15 -
$48.47
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$41.18
Resistance Level
$44.49
Current Trend
Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.12
Wall Street Target
$47.40
(-0.8%)
Revenue Growth (YoY)
26.9%
Earnings Growth (YoY)
40.7%
Profit Margin
42.5%
Valuation Premium vs History
+4.7% premium
PE vs Historical
12.1 vs 10.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.7%
(market-implied from PE analysis)
1-Year Target
$50.04
(+5%)
2-Year Target
$52.39
(+10%)
3-Year Target
$54.85
(+15%)
3-Yr Target (if PE normalizes)
(PE: 12→11)
PE COMPRESSION
$47.98
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 10.8%)
$117.00
(+145%)
Base:
(SPY PE: 12.1, Growth: 10.8%)
$65.09
(+36%)
Bear:
(PE: 10.3, Growth: 10.8%)
$55.33
(+16%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 15.34 | Current EPS (TTM): $3.15
Bull Case
$66.54
(+39%)
Analyst growth 25.2%, PE expands to 16.9
Base Case
$60.49
(+26%)
Market implied 25.2%, PE stable at 15.3
Bear Case
$32.85
(-31%)
Severe decline -20.0%, PE contracts to 13.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 13, 2026 5:39 PM ET
Data refreshes hourly during market hours. Next update: 6:39 PM
Data refreshes hourly during market hours. Next update: 6:39 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
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
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
USB
U.S. Bancorp |
BUY
24 analysts |
$67 | 62 BUY |
|
FITB
Fifth Third Bancorp |
BUY
24 analysts |
$61 | 61 BUY |
|
MTB
M&T Bank Corporation |
BUY
21 analysts |
$246 | 62 BUY |
|
TFC
Truist Financial Corp |
HOLD
23 analysts |
$55 | 64 BUY |
|
WTFC
Wintrust Financial Corpo… |
STRONG BUY
13 analysts |
$179 | 64 BUY |
