How do I set a price alert for FSBC?

To set a FSBC price alert on Stock Alarm Pro, navigate to the FSBC quote page, select "Set Alert," choose your trigger type (price target, % move, RSI level, MACD, or volume breakout), and set your delivery channel. Stock Alarm Pro supports instant push notifications, SMS, and automated phone call alerts.

Can I get phone call alerts for FSBC?

Yes. Stock Alarm Pro provides real-time automated phone call alerts for FSBC. Phone call alerts ensure you are immediately awakened or interrupted during critical volatility events, overnight earnings moves, or strict stop-loss levels when silent push notifications might be overlooked.

What types of alerts can I set for Five Star Bancorp?

Stock Alarm Pro supports over 125 trigger types for FSBC: price target alerts (above/below target), intraday percentage moves, RSI overbought/oversold levels, 50-day and 200-day moving average crossovers (golden cross / death cross), relative volume (RVOL) spikes, confirmed earnings date releases, and SEC Form-4 insider transaction filings.

How quickly will I be notified about FSBC price changes?

FSBC alerts are evaluated continuously in real-time against live market telemetry. Notifications are dispatched within sub-second latency via push notifications, SMS, or phone calls as soon as your trigger condition is met across regular, pre-market, and after-hours trading sessions.

Is Stock Alarm Pro free to use for FSBC alerts?

Yes, Stock Alarm Pro offers a free tier that includes 3 active price alerts for FSBC and other stocks. Full Pro membership is $20/month or $168/year with a 7-day free trial, unlocking unlimited alerts, phone call delivery, SMS, all 125+ technical indicators, institutional screeners, and real-time market telemetry across web, iOS, and Android.

FSBC Company Intelligence - Business Model, Drivers & Risks

Five Star Bancorp(FSBC)

$43.32—Stale · unknown old

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Five Star Bancorp(FSBC)

NASDAQ • Last print unknown agoAbout this data

$43.32—Stale · unknown old

WatchlistAsk AI Chart Studio

FSBC(FSBC)

FSBC

Five Star Bancorp operates as a community bank headquartered in Northern California, serving commercial and consumer clients primarily in the Sacramento region and surrounding counties. The bank focuses on relationship-based commercial lending, particularly to small and mid-sized businesses, with a deposit franchise concentrated in its core geographic footprint. Recent strong performance reflects net interest margin expansion in the rising rate environment and credit quality discipline.

Financial ServicesRegional Community Banksmoderate - Community banks have relatively fixed cost structures (branch networks, compliance infrastructure, technology systems) but can scale loan volumes and deposits without proportional expense increases. Five Star's 32.8% operating margin suggests effective expense management. As loan balances grow, incremental revenue flows through at high margins, though regulatory compliance costs and technology investments create baseline fixed expenses.

Business Overview

01Net interest income from commercial and consumer loans (estimated 75-80% of revenue)

02Non-interest income including deposit fees, loan servicing, and treasury management services (estimated 20-25%)

03Mortgage banking and wealth management services (smaller component)

Five Star generates revenue primarily through net interest margin - the spread between interest earned on loans and securities versus interest paid on deposits and borrowings. As a community bank, it emphasizes relationship banking with local businesses, enabling premium pricing on commercial loans and lower-cost core deposits. The bank's competitive advantage lies in localized decision-making, personalized service, and deep knowledge of the Northern California market, allowing it to underwrite credits that larger banks may overlook while maintaining credit discipline. Non-interest income provides diversification through fee-based services.

What Moves the Stock

Net interest margin expansion or compression driven by Federal Reserve policy and deposit pricing competition

Loan portfolio growth rates, particularly commercial real estate and C&I lending in Northern California markets

Credit quality metrics including non-performing asset ratios and provision expense relative to peer banks

Deposit franchise stability and cost of deposits versus regional competitors

M&A speculation given consolidation trends in California community banking

Watch on Earnings

Net interest margin (NIM) and quarterly basis point changesLoan growth by category (CRE, C&I, consumer) and loan-to-deposit ratioNon-performing assets ratio and net charge-offs as percentage of average loansEfficiency ratio and operating expense trendsTangible book value per share growth

Risk Factors

Consolidation pressure in community banking as larger regional banks acquire smaller competitors, potentially compressing valuation multiples

Digital banking disruption reducing the value of physical branch networks and enabling non-bank competitors to offer deposit and lending products

Regulatory burden disproportionately affecting smaller banks, including capital requirements, stress testing, and compliance costs that favor scale

Deposit competition from larger money center banks and online banks offering higher rates, pressuring funding costs and margin

Loan competition from credit unions, non-bank lenders, and fintech platforms in commercial lending, particularly for higher-quality credits

Geographic concentration in Northern California limits diversification and creates vulnerability to regional economic shocks

Commercial real estate concentration risk if Northern California property markets weaken due to remote work trends or economic downturn

Interest rate risk if rapid Fed cuts compress net interest margin faster than loan portfolio can reprice

Liquidity risk if deposit outflows accelerate, though the 0.14 current ratio reflects typical banking operations where deposits fund loans

StructuralCompetitiveBalance Sheet

Macro Sensitivity

Economic Cycle

moderate-to-high - Regional banks are highly sensitive to local economic conditions. Five Star's Northern California footprint ties performance to Sacramento-area employment, commercial real estate activity, and small business health. Economic slowdowns increase credit losses, reduce loan demand, and pressure deposit growth. The 14.5% ROE reflects profitability dependent on sustained economic activity in its core markets.

Interest Rates

High positive sensitivity to rising rates through 2023-2025, but now facing headwinds if rates decline from current levels. The bank's loan portfolio reprices faster than deposits, expanding NIM when rates rise. However, with the Fed potentially cutting rates in 2026, NIM compression becomes a key risk. The yield curve shape matters significantly - a steeper curve benefits banks by widening the spread between short-term deposit costs and long-term loan yields.

Credit

Significant - As a commercial lender, Five Star faces direct credit risk from borrower defaults. Commercial real estate exposure in Northern California creates concentration risk if property values decline or vacancy rates rise. The low 0.22 debt/equity ratio indicates conservative balance sheet management, but loan loss provisions can swing quarterly earnings materially during credit cycles.

Live Conditions

30-Year Treasury10-Year TreasuryRussell 2000 Futures5-Year TreasuryDow Jones FuturesS&P 500 Futures2-Year Treasury30-Day Fed Funds

Profile

value - The 1.9x price/book ratio and 14.5% ROE attract value investors seeking regional banks trading below intrinsic value with solid fundamentals. The 28.5% one-year return suggests momentum investors have also participated. Dividend investors may be interested if the bank maintains a consistent payout policy, though growth reinvestment is likely prioritized given the 20.4% revenue growth rate.

moderate-to-high - Regional bank stocks exhibit elevated volatility during interest rate cycles, credit events, and banking sector stress. The 22-32% returns over 3-6 months indicate significant price swings. Beta likely ranges 1.1-1.4x versus the broader market, with heightened sensitivity to financial sector rotation and regional economic data.

real estate regulation interest rates fintech margin expansion