
FSBC Stock Forecast & Price Target
FSBC Analyst Ratings
Bulls say
Five Star is a bank holding company in California with a positive outlook expected for their stock and business operations. The recent 1Q earnings report showed growth momentum continuing with an increase in loan and deposit growth and plans for further expansion through new hires. Despite a missed NIM, management expects it to stabilize in the ~3.70%-3.75% range in the future, with limited funding cost benefit from the wholesale reduction effort. With a strong balance sheet and asset quality metrics, the company reported a sequential growth in expenses driven mainly by employee compensation. Overall, Five Star has a strong track record for asset generation and is expected to have a 10%+ loan and deposit growth for 2026. As a result, the analyst has a positive outlook on the stock and has raised the price target to $48.50 based on a 13x 2026 earnings per share estimate.
Bears say
Five Star is a bank holding company that operates in California and offers a range of banking products and services. Despite reporting a slight earnings beat, the company's fee income missed estimates, and its noninterest income is expected to remain relatively unchanged. Additionally, while the company saw strong growth in core deposits, it also experienced a decline in wholesale deposits. This, combined with a lack of expected Fed Fund cuts, leads to a negative outlook on the company's stock as its profitability and growth profile may not meet expectations in the coming years.
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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