Stock Ratings / Financials / FSBC / insiders

NBN (49) UVSP (62) HBNC (58) AMTB (58) ⌘ Pro Terminal →

Five Star Bancorp (FSBC) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$45.76 -0.17% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $45.66

Five Star Bancorp (FSBC) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $1.12B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $45.66 (-0.22%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 1.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FSBC)Realized 20D OHLCV Swing Band: ±4.5%

Deterministic 5-Pillar Attribution (69/100 Composite)

🔍 WHY FSBC SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 75% of 52W Range • RSI-14 at 57 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$42.48+1.2% Next Q

Q2 (-2Q)

Grade C+$42.98+2.6% Next Q

Q3 (-1Q)

Grade B-$44.09+3.8% Next Q

Current

Grade C+$45.76+2% Hist 90D α

Trajectory: C (61) → C+ (69)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FSBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, FSBC faces multiple-compression risk if 18.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($44.39) or 200D SMA ($42.80) invalidates the momentum regime and cuts Target Base ($48.03) toward Bear Floor ($37.46).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FSBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FSBC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 69%NO 31%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

FSBC Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (FSBC)

No recent open-market Form 4 cluster sales or emergency dumps flagged on FSBC. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (FSBC Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

FSBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.13%▲ RESISTANCE BREAKOUT

2026-10-30O $45.84H $46.58L $44.59C $45.76VOL 176.4K

RES: $45.24SUP: $39.98SMA50: $44.39SMA200: $42.80

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FSBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FSBC Butterfly Map → + Track FSBC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

11.4%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FSBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FSBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FSBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FSBC)

Financials Rank #185 of 1096 ⚔️ NBN vs FSBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (FSBC vs. NBN, UVSP, HBNC, AMTB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Five Star Bancorp (FSBC) ranks #185 by composite RQD confidence (69/100, grade C+) and #530 by equity capitalization ($1.12B). Within this direct 5-issuer industry benchmark cohort, UVSP leads on earnings valuation at 12.0x trailing P/E, while FSBC leads on capital efficiency and profitability with 13.8% ROIC and — gross margin. FSBC currently leads its immediate peer cohort in composite quantitative strength at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FSBC ACTIVE Five Star Bancorp	C+	69/100	18.2x	—	13.8%	-0.17%	$1.12B	Benchmark Subject
NBN Northeast Bank	D	49/100	—	—	—	-2.40%	$1.16B	/nbn-vs-fsbc →
UVSP Univest Financial Corporation	C	62/100	12.0x	—	9.6%	-6.53%	$1.08B	/uvsp-vs-fsbc →
HBNC Horizon Bancorp Inc.	D+	58/100	—	—	-21.9%	+1.45%	$1.08B	/hbnc-vs-fsbc →
AMTB Amerant Bancorp Inc. (Class A)	D+	58/100	22.4x	—	5.6%	+0.84%	$1.17B	/amtb-vs-fsbc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001275168

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Five Star Bancorp (FSBC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $61.6M, operating cash flow of $72.6M, and free cash flow of $71.4M (+39.6% YoY). On the balance sheet, FSBC closed FY2025 with $4.75B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$61.6M	$72.6M	$71.4M	$4.75B	—
FY2024 (FY)	2024-12-31	$0	$45.7M	$51.8M	$51.2M	$4.05B	—
FY2023 (FY)	2023-12-31	$0	$47.7M	$38.9M	$38.9M	—	—

3. FSBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FSBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Five Star Bancorp (NASDAQ: FSBC) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $45.76 (-0.17% 1D, market cap $1.12B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, FSBC ranks #185 in composite RQD confidence.

How does FSBC compare to NBN and UVSP in the Financials sector?

Within the Financials sector (Major Banks), FSBC carries a Roarable C+ (69/100 RQD), trailing P/E of 18.2x, gross margin of —, and ROIC of 13.8%. By comparison, NBN (Northeast Bank) holds a D grade (49/100 RQD, P/E N/A, ROIC —, cap $1.16B) and UVSP (Univest Financial Corporation) posts a C grade (62/100 RQD, P/E 12.0x, ROIC 9.6%, cap $1.08B). Among the 5-stock peer group, UVSP leads on earnings multiple (12.0x) while FSBC leads on capital efficiency (13.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FSBC?

Per FSBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001275168), Five Star Bancorp generated $0 in revenue, $61.6M in net income, and $71.4M in free cash flow against $4.75B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FSBC trading relative to its 50-day, 200-day, and 52-week technical levels?

FSBC last traded at $45.76 (-0.17% on volume of 152,111 shares), positioning the stock +3.09% above its 50-day simple moving average ($44.39) and +6.92% above its 200-day simple moving average ($42.80). Across its 52-week range of $32.20 to $50.26, FSBC sits at the 75.1% percentile with a 14-day RSI of 57.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.5% ($43.70 to $47.82).

FSBC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are FSBC insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies FSBC leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

Direct Sub-Reports: FSBC RQD Cockpit FSBC 12M Forecast FSBC Earnings & Move FSBC Dividends & DRIP FSBC Insiders & 13F FSBC Whale Options FSBC Profit Sankey FSBC News & Why