Oct 12 close
This week's commentary on Five Star Bancorp centers on sentiment analysis rather than company-specific developments: one piece flags weak near and mid-term sentiment alongside a strong long-term outlook and elevated downside risk, while another compares FSBC against First Bank (FRBA) across valuation, risk, earnings, institutional ownership, profitability and dividends. No new results, guidance, deal or regulatory news accompanies these pieces.
FSBC closed at $42.76, up 0.7%, sitting between its 50-day average of $45.11 and 200-day average of $42.28, reflecting a mixed trend. The stock's one-month return stands at -7.9% and three-month at -10.3%, while the six-month and one-year returns are 5.9% and 36.8% respectively. The GekkoIndex reads 65.5, placing FSBC in the Accumulation zone, up 1.3 over five sessions. Price sits 10.3% below Gekko Fair Value of $47.68.
Earnings are set for 26 October 2026, 14 days away, falling inside a typical 20-trading-day holding window; the prior report on 22 July showed EPS of $0.91 against a $0.87 estimate, with a -4% reaction, and the company has beaten estimates in 7 of the last 8 quarters. Over the last 90 days, insiders made 6 open-market purchases totaling $6,230,004. Seasonality from this calendar point shows a 5-year average 20-day return of 8.2%, positive in 4 of those years. Analyst consensus across 3 firms includes 1 buy and 2 hold ratings, with a consensus target of $51.40.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Five Star Bancorp scores 4 supportive, 1 mixed and 1 headwind across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive1 mixed1 headwind
Averages disagree
Close $42.76 sits between the 50-day ($45.11) and 200-day ($42.28) averages, or the averages disagree.
See the chart65.5, Accumulation
Reading 65.5 is in the Accumulation zone.
See the GekkoIndex10.3% below
Price is 10.3% below Gekko Fair Value (more than 5% below).
See fair valueLeans bullish
Last 90 days: 6 open-market insider purchases.
See smart moneyReports in 14 days
Reports on Oct 26, 2026, 14 days away — inside a typical 20-trading-day hold.
See earnings+8.2% on average
From this point in the calendar, the next 20 trading days averaged +8.2% over 5 years, rising in 4 of them.
See seasonalityA description of current data, not a recommendation. How this page works
Five Star Bancorp closed at $42.76 on Oct 12, 2026, +36.8% over the past year, inside a 52-week range of $30.68 to $50.26.
Use the left and right arrow keys to read daily values.
Put FSBC on a Gekko watchlist and see its GekkoIndex, Gekko Fair Value and smart money signals update on the chart as they change.
Five Star Bancorp owns and operates Five Star Bank, offering a wide mix of banking products to small and medium-sized businesses, working professionals, and individual account holders. The bank is recognized for pairing standard checking and savings options with practical digital tools, giving customers a straightforward way to manage their finances day to day.
Depositors can choose among money market accounts, checking accounts that either earn interest or do not, regular savings accounts, and fixed-term deposits. On the lending side, the bank finances commercial and residential properties, extends general business credit, funds land purchases for commercial and farming use, and supports construction projects for homes and commercial buildings, in addition to offering consumer loans. Customers also get access to debit cards, remote deposit tools for checks, mobile and online banking platforms, and automatic direct deposit.
The bank runs seven branches and two loan production offices throughout Northern California, with its main office situated in Rancho Cordova, California. Five Star Bancorp has roots going back to 1999, and its stock trades on the NASDAQ under the ticker FSBC.
Five Star Bancorp’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 65.5, in the Accumulation zone, up 1.3 points over five sessions.
Up 1.3 points over five sessions.
Reading for Oct 12, 2026
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 42 | +0.7% | +2.2% | ||
| Accumulation (current zone) | 153 | +0.4% | +3.3% | ||
| Neutral | 443 | +0.5% | +2.0% | ||
| Distribution | 43 | −0.3% | −1.3% | ||
| Selling | 1 | Too few readings yet | |||
Average FSBC share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
Five Star Bancorp trades 10.3% below Gekko Fair Value of $47.68, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Five Star Bancorp shares are worth, recalculated every trading day.
$47.68
Gekko Fair Value, Oct 10, 2026
10.3% Undervalued
At the end of Aug 2026 the price was 9.0% below the estimate.
Insiders filed 6 open-market purchases in Five Star Bancorp worth $6.23M, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
$6.23Min 6 open-market purchases
| Filed | Insider | Type | Value |
|---|---|---|---|
| Jul 24 | Shannon Deary-Bell Director | Purchase | $250K |
| Jul 24 | Robert Truxtun Perry-Smith Director | Purchase | $1.38M |
| Jul 24 | Kevin Francis Ramos Director | Purchase | $250K |
| Jul 24 | Judson Teichert Riggs Director | Purchase | $100K |
| Jul 24 | Allbaugh Larry Eugene Director, 10% Owner | Purchase | $4.00M |
From Form 4 filings, dated to when each was filed.
No trades in FSBC were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Five Star Bancorp has been buying back its own shares.
From company filings.
Five Star Bancorp reports on Oct 26, 2026 (14 days away), and beat the EPS estimate in 7 of its last 8 reports.
Oct 26, 2026
14 days away
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 22, 2026 | $0.91 est $0.87 | $47.96M est $47.72M | −4.0% |
| Apr 27, 2026 | $0.87 est $0.79 | $45.10M est $44.47M | −0.5% |
| Jan 26, 2026 | $0.83 est $0.77 | $40.67M est $42.58M | +0.9% |
| Oct 27, 2025 | $0.77 est $0.71 | $41.00M est $41.74M | +4.5% |
| Jul 23, 2025 | $0.68 est $0.65 | $38.33M est $40.34M | −2.6% |
| Apr 28, 2025 | $0.62 est $0.61 | $35.02M est $35.27M | +2.6% |
| Jan 27, 2025 | $0.63 est $0.59 | $34.83M est $34.99M | +2.9% |
| Oct 28, 2024 | $0.52 est $0.53 | $31.48M est $34.09M | +1.3% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Analysts’ average 12-month price target for Five Star Bancorp is $51.40, +20.2% from the last close, from 3 firms rating the stock in the last 90 days.
Each firm’s latest rating in the last 90 days: 3 firms.
| Date | Firm | Target | vs price |
|---|---|---|---|
| Jul 29 | D.A. Davidson | $55 | +28.6% |
| Jul 27 | Stephens | $51 | +19.3% |
| Jul 24 | KBW | $50 | +16.9% |
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Over the next 20 trading days from Oct 10, Five Star Bancorp averaged +8.2% across the last 5 years, rising in 4 of them.
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +3.9% | 4 of 5 |
| Next 10 trading days | +3.3% | 3 of 5 |
| Next 15 trading days | +6.8% | 4 of 5 |
| Next 20 trading days | +8.2% | 4 of 5 |
| Next 30 trading days | +10.6% | 4 of 5 |
For scale, FSBC’s typical 20-trading-day move in either direction is about 5.2%.
Five Star Bancorp’s market cap is $1.03B, with a P/E ratio of 12.6 and revenue of $167.6M over the last twelve months.
2 headlines about Five Star Bancorp from the past week, newest first, each linking to the publisher.
Five Star Bancorp’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| CMCanadian Imperial Bank of Commerce | Accumulation | 5.7% below |
| USBU.S. Bancorp | Accumulation | 11.0% below |
| NUNu | Neutral | 0.7% below |
| TFCTruist Financial | Accumulation | 9.6% below |
| FITBFifth Third Bancorp | Accumulation | 11.2% below |
| MTBM&T Bank | Accumulation | 9.1% below |
A peer links to its own page where one exists.
Five Star Bancorp’s market cap is $1.03B at the Oct 12, 2026 close of $42.76, with 24.54M shares outstanding. The shares trade on a P/E ratio of 12.6.
The consensus analyst 12-month price target for Five Star Bancorp is $51.40, +20.2% from the last close. Of the 3 firms that rated the stock in the last 90 days, 1 rate it a buy, 2 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
On Gekko’s estimate Five Star Bancorp is undervalued: the Oct 12, 2026 close of $42.76 is 10.3% below Gekko Fair Value of $47.68. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
Five Star Bancorp is expected to report on Oct 26, 2026 (14 days away). Analysts expect earnings of $0.85 per share on revenue of $51.31M. Five Star Bancorp beat the earnings estimate in 7 of its last 8 reports, moving 2.4% on average across the report.
Five Star Bancorp’s 52-week high is $50.26 and its 52-week low is $30.68; it closed at $42.76 on Oct 12, 2026, +36.8% over the past year.
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 4 of the 6 items with data read as supportive (gekkoindex, fair value, smart money and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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