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FSFSBC

Five Star Bancorp

Strong FundamentalsStrong FundamentalsRevenue growing 20% YoY at strong margins6 insiders bought $6.3M in 30 daysQuiet on X (34 mentions/wk)
$FSBC·$1.0B·Banks - Regional·Financial Services
$47.83+1.3%YTD+32.1%1Y+51.6%
Mentions · last 7 days
2026-07-21: 0 posts2026-07-22: 6 posts2026-07-23: 3 posts2026-07-24: 8 posts2026-07-25: 6 posts2026-07-26: 4 posts2026-07-27: 7 posts34+33%
Price updated 20m ago·X counts updated 23h ago
FSFSBC
$FSBCFive Star Bancorp
$47.83+1.31%34 posts+33%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $FSBC, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-07-28

The move is getting stronger, with heavier trading behind it.

Five Star Bancorp is at 86th-percentile-of-range on Q2 beat with a director buying $4.3M — the mid-cap regional bank has real insider anchor.

Five Star Bancorp is a California-based mid-cap regional bank — a genuinely-scaled specialty commercial bank. Up 32% YTD and 52% T12M, sitting at 86th percentile of the 52-week range after the Q2 beat with substantial insider buying.

The setup is a real regional-bank compounder with unusually strong insider anchor:

  • The insider buying is genuinely exceptional: Director Larry Allbaugh buying $4.3M in shares plus Perry-Smith Robert Truxtun buying $1.38M plus Ramos Kevin buying $250K on July 24 is real coordinated open-market buying — that's the kind of insider signal that anchors institutional confidence.
  • The Q2 beat validates the setup: EPS of $0.91 above the $0.86 estimate confirms operational execution — plus the underwriters' option full exercise for additional shares shows real capital-market demand.
  • The financials support the run: quarterly EPS climbed from $0.77 to $0.91 with revenue $66-74M, consensus FY26 EPS of $3.54 growing to consensus FY27 — that's real earnings on a business trading at 10x TTM P/E, one of the cheapest mid-cap regional bank multiples.

The Oct 26 print is the next trigger. Continued NII trajectory plus stable credit quality extends the setup; anything soft on NII and the 86th-percentile setup gives back. Real regional-bank setup with genuine insider-anchor conviction — the print rewards continued execution.

Agrees with X sentimentThe X coverage validates that Director Larry Allbaugh's $4.3M open-market buy plus additional insider purchases shows real conviction — the Q2 beat with EPS above estimate confirms operational execution. Agree without qualification; this is a legitimate insider-anchored regional bank setup.

What to watch: Oct 26 Q3 earnings — net interest income trajectory, credit quality metrics, loan growth, and any commentary on continued capital-raise deployment. A clean quarter plus continued insider buying restarts the setup; NII miss turns it.

On the calendar: 2026-10-26 — Q3 earnings

insider open market buy cluster

Read the AI verdict + X sentiment for $FSBC

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Five Star Bancorp serves as the holding company for Five Star Bank, delivering a full spectrum of banking products and services. The institution caters to a diverse clientele, including small and medium-sized businesses, professionals, and individual customers. Clients can access various deposit options, such as money market accounts, both interest-bearing and non-interest-bearing checking accounts, savings accounts, and time deposits. The bank's lending portfolio encompasses commercial and residential real estate loans, general commercial financing, commercial land loans, agricultural land loans, and construction loans for both commercial and residential projects, alongside consumer and other credit facilities. Additionally, it provides debit cards, remote check deposit capabilities, online and mobile banking services, and direct deposit options. Operating in Northern California, Five Star Bancorp maintains seven branch locations and two dedicated loan production offices. The company was established in 1999 and its headquarters are located in Rancho Cordova, California.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $FSBC.

Banks - Regional · Financial Services

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+16.3%YTD
+22.0%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
10.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
48.3%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
34.6%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
5.7%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
3.6Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
15.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
60.4%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 22, 2026$0.91$0.86+5.8%
Q1 2026Apr 27, 2026$0.87$0.80+8.7%
Q4 2025Jan 26, 2026$0.83$0.77+7.8%
Q3 2025Oct 27, 2025$0.77$0.71+8.5%
Next earningsMon, Oct 26·consensus EPS $0.89

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$74.2M+19.7%61.6%35.2%$0.91$0
Q1 FY26$69.7M+20.0%61.9%35.9%$0.88$18.8M
Q4 FY25$67.8M+14.8%60.0%33.9%$0.83$19.9M
Q3 FY25$66.5M+23.7%57.9%33.4%$0.77$18.6M

Forward consensus

2-year forecast · up to 3 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$195.1M$193.8M – $196.3M$3.54$3.43 – $3.693
FY27$222.7M$219.9M – $225.6M$3.91$3.83 – $4.032

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.2×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.86%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+3.9%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+19.7%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 14.9M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.7% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.515-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.FilingActive offeringA shelf registration (S-3 / S-3ASR / S-1) or prospectus supplement (424B*) was filed in the last 90 days — the company is registered to (or actively) issuing new shares. Dilution risk.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Cluster buy6 insiders bought shares in the last 30 days.

Recent transactions

BuyJul 22Allbaugh Larry EugeneDirector96.6K sh$4.3MBuyJul 22Perry-smith Robert TruxtunDirector31.4K sh$1.4MBuyJul 22Shannon Deary-bellDirector5.7K sh$250KBuyJul 22Donna LucasDirector1.1K sh$50KBuyJul 22Riggs Judson TeichertDirector2.3K sh$100KBuyJul 22Ramos Kevin FrancisDirector5.7K sh$250KSellMay 26Wait Brett LeviSVP, Chief Information Officer1.6K sh$69KSellMay 21Lee Michael EugeneSVP, Chief Regulatory Officer867 sh$36KSellMay 20Beckwith James EugeneCEO6.4K sh$265KSellMay 14Wait Brett LeviSVP & CIO2.6K sh$106K
1–10 of 15
+ 18 other (17 awards · 1 gift) in window

See when $FSBC insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KMaterial agreementJul 238-K — Item 1.01: Material agreement · Item 8.01: Other event
AI summary

FSBC entered into a material definitive agreement with Keefe, Bruyette & Woods, Inc with terms including $44.00, disclosed under 8-K Item 1.01. Investors should review the full agreement filed as an exhibit for definitive terms, conditions, and any material obligations.

424B5Prospectus supplement (offering)Jul 23424B5
AI summary

FSBC filed a 424B5 prospectus supplement offering $49.33 at $49.33/share. This is a live, priced offering representing immediate dilution to existing shareholders. Proceeds are intended for stated in the supplement. Investors should assess the dilutive impact relative to current market cap and cash position.

424B5Prospectus supplement (offering)Jul 22424B5
AI summary

FSBC filed a 424B5 prospectus supplement offering $49.33 at $49.33/share. This is a live, priced offering representing immediate dilution to existing shareholders. Proceeds are intended for stated in the supplement. Investors should assess the dilutive impact relative to current market cap and cash position.

8-KPress release / Reg FDJul 228-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

FSBC filed an 8-K disclosing financial results for quarter ended June 30, 2026 under Item 2.02. press release announcing its results of operations and financial condition for the quarter ended June 30, 2026. Results were simultaneously disclosed under Regulation FD (Item 7.01), indicating simultaneous public release. This is a routine earnings disclosure; investors should review the accompanying press release (Exhibit 99.1) for revenue, earnings, and guidance details.

8-KPress release / Reg FDJul 208-K — Item 7.01: Press release / Reg FD
AI summary

FSBC filed an 8-K under Reg FD (Item 7.01), disclosing material non-public information simultaneously to all investors. The disclosure covers: announcing that its Board of Directors had declared a quarterly cash dividend of $0. This is typically an investor presentation, conference slides, or press release furnished as an exhibit. Reg FD filings ensure equal access to information for all investors; the substantive data is in the attached exhibit.

8-KPress release / Reg FDJul 108-K — Item 7.01: Press release / Reg FD
AI summary

FSBC filed an 8-K under Reg FD (Item 7.01), disclosing material non-public information simultaneously to all investors. The disclosure covers: announcing the anticipated dates of its earnings release and webcast reporting its financial results for the second quarter ended June 30, 2026. This is typically an investor presentation, conference slides, or press release furnished as an exhibit. Reg FD filings ensure equal access to information for all investors; the substantive data is in the attached exhibit.

3New insider — initial holdingsJun 163
AI summary

Cooper Clifford Aaron filed an initial Form 3 as a 10%+ owner of FSBC, disclosing initial beneficial ownership of securities as of the event date. This is a standard Section 16 reporting obligation triggered by the relationship with the issuer. Routine administrative filing with no indication of open-market transactions.

8-KShareholder voteMay 288-K — Item 5.07: Shareholder vote
AI summary

FSBC filed an 8-K under Item 5.07 reporting vote results from a stockholder meeting. Annual Meeting; 19,281,004 shares were represented by proxies or voted at the Annual Meeting, or 90.. This is a routine proxy results filing; investors should check for any failed proposals that could signal governance concerns.

+ 12 other (3 8-Ks · 2 proxys · 1 10-Q · 1 ARS) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Five Star Bancorp Director Larry Allbaugh Buys $4.3 Million in Shares. What Does This Mean for Investors?fool.com·1d agoFive Star Bancorp Announces the Full Exercise and Closing of Underwriters' Option to Purchase Additional Shares in the Company's Underwritten Public Offeringglobenewswire.com·1d agoFive Star Bancorp (FSBC) Q2 2026 Earnings Call Prepared Remarks Transcriptseekingalpha.com·5d agoFive Star Bancorp Q2 Earnings Call Highlightsmarketbeat.com·5d agoFive Star Bancorp Announces Pricing of Common Stock Offeringglobenewswire.com·6d ago

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Voices on X · top 1 · last 7 days

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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