
FSBC Stock Forecast & Price Target
FSBC Analyst Ratings
Bulls say
Five Star Bancorp has demonstrated robust financial performance, evident in its increase in Pre-Provision Net Revenue (PPNR), with Return on Assets (ROA) rising to 2.13% from 2.01%. The company experienced notable net interest margin (NIM) expansion, with an increase of 8 basis points quarter-over-quarter to 3.53%, surpassing prior estimates. Additionally, Five Star reported strong loan and deposit growth, with end-of-period loans up 15% and deposits up 17% on a last-quarter annualized basis, exceeding expectations and indicating healthy demand for its banking products and services.
Bears say
Five Star Bancorp faces several fundamental challenges that contribute to a negative outlook on its stock. The company anticipates a decline in its statutory tax rate to 26.8% due to new California tax laws, which could exert pressure on its profit margins, potentially undermining overall profitability. Additionally, the concentration in commercial real estate lending, heightened competition for loans and deposits, and economic risks such as increased non-performing assets during downturns further amplify concerns about its financial stability and growth potential.
This aggregate rating is based on analysts' research of Five Star Bancorp and is not a guaranteed prediction by Public.com or investment advice.
FSBC Analyst Forecast & Price Prediction
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