FSBC Stock — Five Star Bancorp

Five Star Bancorp (FSBC)

Updated October 16, 2026.

FSBC is a Stock. its distribution rate is 2.33%, its trailing-12-month yield is 2.21%. Dividend Vision Distribution Safety Score™ is 97/100 (Safe). Total return is 472.0% over the past 19.1 years, 163.2 points behind SPY at 635.2%.

Five Star Bancorp operates as a bank holding company providing banking and lending services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, online and mobile banking services, and a range of loans including commercial real estate, agricultural, and small business administration loans. The stock carries a modest current distribution rate with quarterly distributions.

FSBC performance versus SPY

Price and return data through 2026-10-16.

Total return is 472.0% over the past 19.1 years, 163.2 points behind SPY at 635.2%. Over the past year its total return — price change plus distributions reinvested — is 39.7%. Its deepest 1-year drawdown was 14.3%.

FSBC key facts

Distribution Safety Score™

97 · Safe

Safety-Adjusted Yield

2.26%

Asset type

Stock

Asset class

Equity

Inception date

08/31/2007

Distribution rate

2.33%

Distribution frequency

Quarterly

Trailing yield

2.21%

5-year average yield

2.28

Last close

$42.98 (as of 2026-10-16)

Market cap

$1,054,583,670

Average volume

188183.0

Dividend

$0.25

Ex-dividend date

08/03/2026

Payment date

08/10/2026

Beta

0.537

Payout ratio

28.1%

P/E ratio

12.72

Forward P/E

11.6947

EPS

$3.38

How Dividend Vision calculates yield and returns

Distribution rate (2.33%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (2.21%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

FSBC risks and drawbacks

FSBC's current distribution rate is moderate, not a high-yield payout — the strategy is dividend quality more than maximum income. Payments are quarterly, so cash flow is lumpy versus a monthly fund. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 14.3%.

Who may consider FSBC — and who may not

FSBC may suit someone looking for a high Distribution Safety Score, moderate current income with a quality tilt. It is a weaker fit for investors who need monthly cash flow (FSBC pays quarterly); investors hunting double-digit covered-call yields; investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

More on FSBC

• All tickers starting with F

Tagged: Financials, Dividend.

Frequently asked questions