FSBC Stock Analysis: Buy, Sell, or Hold?
FSBC - Five Star Bancorp Common Stock
$46.57
0.73 (1.59%)
▲
5d:
+6.13%
30d:
+10.88%
90d:
+24.05%
HOLD
MODERATE Confidence
Analysis Updated: Jun 23, 2026 12:00 AM ET
Earnings: Jul 22, 2026
28d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: FSBC is fairly valued with market pricing in 3.7% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: FSBC is fairly valued with market pricing in 3.7% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$59.09
Based on 7.6% avg growth
INTRINSIC VALUE TODAY
$36.69
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 10.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: FSBC is currently trading at $46.57, which is considered extended relative to its 30-day fair value range of $41.59 to $44.56. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.6) compared to its historical average (10.4). At these levels, the market is pricing in 3.7% 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: FSBC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
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: FSBC has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$41.59 -
$44.56
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($45.10)
- NEUTRAL: Market pricing in 3.7% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$41.59 -
$44.56
Current vs Trading Range
EXTENDED
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.)
11.59
Wall Street Target
$45.10
(-1.6%)
Revenue Growth (YoY)
26.9%
Earnings Growth (YoY)
40.7%
Profit Margin
42.5%
Valuation Premium vs History
+3.7% premium
PE vs Historical
11.6 vs 10.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.7%
(market-implied from PE analysis)
1-Year Target
$47.54
(+4%)
2-Year Target
$49.29
(+8%)
3-Year Target
$51.12
(+12%)
3-Yr Target (if PE normalizes)
(PE: 12→10)
PE COMPRESSION
$45.86
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 11.1%)
$118.19
(+158%)
Base:
(SPY PE: 11.6, Growth: 11.1%)
$62.91
(+37%)
Bear:
(PE: 9.9, Growth: 11.1%)
$53.48
(+17%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 14.24 | Current EPS (TTM): $3.15
Bull Case
$61.95
(+35%)
Analyst growth 25.5%, PE expands to 15.7
Base Case
$56.32
(+23%)
Market implied 25.5%, PE stable at 14.2
Bear Case
$30.51
(-33%)
Severe decline -20.0%, PE contracts to 12.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 23, 2026 2:04 PM ET
Data refreshes hourly during market hours. Next update: 3:04 PM
Data refreshes hourly during market hours. Next update: 3:04 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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