Banner (NASDAQ:BANR) and Five Star Bancorp (NASDAQ:FSBC) Direct Comparison

Five Star Bancorp (NASDAQ: FSBCGet a rating) and Banner (NASDAQ:BANRGet a rating) are both small-cap finance companies, but which stock is superior? We’ll compare the two companies based on their risk strength, analyst recommendations, dividends, profitability, valuation, institutional ownership and earnings.


This table compares the net margins, return on equity and return on assets of Five Star Bancorp and Banner.

Net margins Return on equity return on assets
Five Star Bancorp 45.14% 18.45% 1.66%
Banner 32.46% 12.47% 1.24%

Analyst Recommendations

This is a summary of current ratings and target prices for Five Star Bancorp and Banner, as reported by

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Five Star Bancorp 0 0 1 0 3.00
Banner 0 2 0 1 2.67

Five Star Bancorp currently has a consensus target price of $29.00, suggesting a potential upside of 9.64%. Banner has a consensus target price of $65.33, suggesting a potential upside of 13.94%. Given Banner’s likely higher upside, analysts clearly believe Banner is more favorable than Five Star Bancorp.


Five Star Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 2.3%. Banner pays an annual dividend of $1.76 per share and has a dividend yield of 3.1%. Five Star Bancorp pays 23.5% of its profits as a dividend. Banner pays 30.8% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Banner has increased its dividend for 1 consecutive years. Banner is clearly the better dividend-paying stock, given its higher yield and longer track record of dividend growth.

Valuation and benefits

This chart compares revenue, earnings per share (EPS), and valuation of Five Star Bancorp and Banner.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Five Star Bancorp $88.86 million 5.13 $42.44 million $2.55 10.37
Banner $616.92 million 3.18 $201.05 million $5.71 9.98

Banner has higher revenue and profit than Five Star Bancorp. Banner trades at a lower price-to-earnings ratio than Five Star Bancorp, indicating that it is currently the more affordable of the two stocks.

Institutional and insider ownership

37.1% of Five Star Bancorp shares are held by institutional investors. By comparison, 85.0% of Banner’s shares are held by institutional investors. 27.7% of Five Star Bancorp shares are held by insiders. By comparison, 1.5% of Banner’s shares are held by insiders. Strong institutional ownership indicates that large fund managers, hedge funds, and endowments believe a company is poised for long-term growth.


Five Star Bancorp beats Banner on 9 out of 17 factors compared between the two stocks.

Five Star Bancorp Company Profile (Get a rating)

Five Star Bancorp operates as a bank holding company for Five Star Bank which provides a range of banking products and services to small and medium-sized businesses, professionals and individuals. The company accepts various deposits, such as money market accounts, interest-free and interest-free checking accounts, savings accounts, and term deposits. Its lending products include commercial and residential real estate loans; business loans; commercial land loans; agricultural land loans; commercial and residential construction loans; and consumer and other loans. The company also offers debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. It operates through seven branches and two loan origination offices in Northern California. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.

Company profile banner (Get a rating)

Banner Corporation operates as a bank holding company for Banner Bank which provides commercial banking and financial products and services to individuals, businesses and public sector entities in the United States. It accepts various deposit instruments, including interest-bearing and non-interest-bearing checking accounts, money market deposit accounts, regular savings accounts and certificates of deposit, as well as cash management services and savings plans. pension saving. The Company also offers commercial real estate loans, including real estate loans for homeowners, investment properties and multi-family residential properties; loans for construction, land and land development; residential mortgages; commercial business loans; agricultural loans; and consumer and other loans, such as home equity lines of credit, car, boat and recreational vehicle loans, and loans secured by deposit accounts. In addition, it is engaged in mortgage banking business through the origination and sale of one to four family and multi-family residential loans, as well as small business administration loans. Additionally, the company provides electronic and digital banking services. As of December 31, 2021, it operated 150 branches and 18 loan origination offices located in Washington, Oregon, California, Idaho and Utah. Banner Corporation was founded in 1890 and is headquartered in Walla Walla, Washington.

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