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Five Star Bancorp (FSBC) Financials

Five Star Bancorp logo
$33.09 +0.68 (+2.10%)
Closing price 04:00 PM Eastern
Extended Trading
$33.09 0.00 (0.00%)
As of 06:16 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for Five Star Bancorp

Annual Income Statements for Five Star Bancorp

This table shows Five Star Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 45 48 46
Consolidated Net Income / (Loss)		 45 48 46
Net Income / (Loss) Continuing Operations		 45 48 46
Total Pre-Tax Income 		63 67 65
Total Revenue		 110 118 126
Net Interest Income / (Expense)		 103 111 120
Total Interest Income		 118 174 207
Loans and Leases Interest Income		 112 163 193
Investment Securities Interest Income		 2.43 2.60 2.53
Deposits and Money Market Investments Interest Income		 3.70 9.07 11
Total Interest Expense		 15 64 87
Deposits Interest Expense		 11 58 82
Short-Term Borrowings Interest Expense		 0.19 1.00 0.20
Long-Term Debt Interest Expense		 3.74 4.65 4.65
Total Non-Interest Income		 7.16 7.51 6.45
Service Charges on Deposit Accounts		 0.47 0.58 0.72
Other Service Charges		 2.79 3.67 2.49
Net Realized & Unrealized Capital Gains on Investments		 2.94 1.79 1.27
Other Non-Interest Income		 0.96 1.48 1.96
Provision for Credit Losses		 6.70 4.00 6.95
Total Non-Interest Expense		 41 48 54
Salaries and Employee Benefits		 23 27 32
Net Occupancy & Equipment Expense		 5.15 6.23 7.64
Marketing Expense		 1.91 2.40 2.41
Property & Liability Insurance Claims		 0.85 1.56 1.64
Other Operating Expenses		 10 10 11
Income Tax Expense		 18 19 19
Basic Earnings per Share		 $2.61 $2.78 $2.26
Weighted Average Basic Shares Outstanding		 17.26M 17.35M 21.33M
Diluted Earnings per Share		 $2.61 $2.78 $2.26
Weighted Average Diluted Shares Outstanding		 17.26M 17.35M 21.33M
Weighted Average Basic & Diluted Shares Outstanding		 17.26M 17.35M 21.33M
Cash Dividends to Common per Share		 $1.05 $0.75 $0.80

Quarterly Income Statements for Five Star Bancorp

This table shows Five Star Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 12 13 13 13 11 11 11 11 11 13
Consolidated Net Income / (Loss)		 12 13 13 13 11 11 11 11 11 13
Net Income / (Loss) Continuing Operations		 12 13 13 13 11 11 11 11 11 13
Total Pre-Tax Income 		17 19 19 17 16 15 15 15 15 19
Total Revenue		 29 31 31 30 29 29 29 31 32 35
Net Interest Income / (Expense)		 28 29 29 28 27 27 27 29 30 33
Total Interest Income		 32 37 40 43 45 46 48 49 53 58
Loans and Leases Interest Income		 30 35 37 40 42 43 44 46 50 53
Investment Securities Interest Income		 0.62 0.64 0.65 0.65 0.65 0.65 0.65 0.65 0.62 0.61
Deposits and Money Market Investments Interest Income		 1.15 1.84 2.17 2.22 2.58 2.10 3.10 1.99 1.66 4.34
Total Interest Expense		 4.12 8.27 11 15 18 20 21 20 22 24
Deposits Interest Expense		 2.82 6.54 9.38 14 16 18 20 19 21 23
Long-Term Debt Interest Expense		 1.31 1.54 1.16 1.16 1.16 1.16 1.16 1.16 1.16 1.16
Total Non-Interest Income		 1.43 1.60 1.37 2.82 1.38 1.94 1.83 1.57 1.38 1.67
Service Charges on Deposit Accounts		 0.13 0.10 0.12 0.14 0.16 0.17 0.19 0.19 0.17 0.18
Other Service Charges		 0.50 0.56 0.36 1.73 0.43 1.15 0.80 0.45 0.42 0.82
Net Realized & Unrealized Capital Gains on Investments		 0.55 0.64 0.60 0.64 0.40 0.15 0.37 0.45 0.31 0.15
Other Non-Interest Income		 0.25 0.31 0.30 0.32 0.40 0.47 0.47 0.49 0.49 0.51
Provision for Credit Losses		 2.25 1.25 0.90 1.25 1.05 0.80 0.90 2.00 2.75 1.30
Total Non-Interest Expense		 10 11 11 12 12 13 13 14 14 14
Salaries and Employee Benefits		 5.65 5.70 6.62 6.42 6.88 7.18 7.58 7.80 7.97 8.36
Net Occupancy & Equipment Expense		 1.31 1.35 1.40 1.56 1.58 1.69 1.78 1.88 1.95 2.02
Marketing Expense		 0.51 0.57 0.42 0.73 0.54 0.72 0.46 0.62 0.58 0.75
Property & Liability Insurance Claims		 0.20 0.25 0.40 0.41 0.38 0.37 0.40 0.39 0.41 0.44
Other Operating Expenses		 2.51 2.86 2.29 2.85 2.65 2.70 2.50 2.82 2.87 2.92
Income Tax Expense		 4.83 5.49 5.34 4.44 4.75 4.35 4.33 4.37 4.30 6.05
Basic Earnings per Share		 $0.68 $0.77 $0.77 $0.74 $0.64 $0.63 $0.62 $0.51 $0.52 $0.61
Weighted Average Basic Shares Outstanding		 17.25M 17.26M 17.26M 17.26M 17.26M 17.35M 21.32M 21.32M 21.32M 21.33M
Diluted Earnings per Share		 $0.68 $0.77 $0.77 $0.74 $0.64 $0.63 $0.62 $0.51 $0.52 $0.61
Weighted Average Diluted Shares Outstanding		 17.25M 17.26M 17.26M 17.26M 17.26M 17.35M 21.32M 21.32M 21.32M 21.33M
Weighted Average Basic & Diluted Shares Outstanding		 17.25M 17.26M 17.26M 17.26M 17.26M 17.35M 21.32M 21.32M 21.32M 21.33M

Annual Cash Flow Statements for Five Star Bancorp

This table details how cash moves in and out of Five Star Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -165 62 31
Net Cash From Operating Activities		 46 39 52
Net Cash From Continuing Operating Activities		 46 39 52
Net Income / (Loss) Continuing Operations		 45 48 46
Consolidated Net Income / (Loss)		 45 48 46
Provision For Loan Losses		 6.70 4.00 6.95
Depreciation Expense		 1.64 1.61 1.88
Amortization Expense		 1.92 1.70 1.80
Non-Cash Adjustments to Reconcile Net Income		 -10 -13 -4.44
Changes in Operating Assets and Liabilities, net		 1.29 -2.71 -0.08
Net Cash From Investing Activities		 -837 -279 -447
Net Cash From Continuing Investing Activities		 -837 -279 -447
Purchase of Property, Leasehold Improvements and Equipment		 -0.48 -0.65 -0.63
Purchase of Investment Securities		 -9.92 -7.26 -447
Sale and/or Maturity of Investments		 22 17 11
Other Investing Activities, net		 -848 -288 -10
Net Cash From Financing Activities		 626 302 426
Net Cash From Continuing Financing Activities		 626 302 426
Net Change in Deposits		 496 245 531
Issuance of Debt		 175 0.00 -170
Issuance of Common Equity		 0.00 0.00 81
Repayment of Debt		 -30 70 0.00
Payment of Dividends		 -15 -13 -16
Cash Interest Paid		 1.35 62 87
Cash Income Taxes Paid		 5.20 20 17

Quarterly Cash Flow Statements for Five Star Bancorp

This table details how cash moves in and out of Five Star Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 47 -58 88 -48 23 -1.97 -136 5.03 60 101
Net Cash From Operating Activities		 16 18 0.69 25 15 -1.63 0.25 16 18 18
Net Cash From Continuing Operating Activities		 16 18 0.69 25 15 -1.63 0.25 16 18 18
Net Income / (Loss) Continuing Operations		 12 13 13 13 11 11 11 11 11 13
Consolidated Net Income / (Loss)		 12 13 13 13 11 11 11 11 11 13
Provision For Loan Losses		 2.25 1.25 0.90 1.25 1.05 0.80 0.90 2.00 2.75 1.30
Depreciation Expense		 0.41 0.41 0.42 0.41 0.40 0.39 0.47 0.47 0.47 0.47
Amortization Expense		 0.55 0.53 0.31 0.64 0.17 0.59 0.16 0.41 -0.00 1.24
Non-Cash Adjustments to Reconcile Net Income		 2.14 0.08 -11 1.12 -0.87 -2.56 -9.78 3.98 3.09 -1.72
Changes in Operating Assets and Liabilities, net		 -0.88 2.92 -2.98 8.78 3.14 -12 -2.13 -1.61 0.28 3.39
Net Cash From Investing Activities		 -198 -207 -69 -59 -81 -72 -12 -161 -203 -70
Net Cash From Continuing Investing Activities		 -198 -207 -69 -59 -81 -72 -12 -161 -203 -70
Purchase of Property, Leasehold Improvements and Equipment		 -0.10 -0.08 -0.24 -0.10 -0.14 -0.18 -0.11 -0.20 -0.21 -0.11
Purchase of Investment Securities		 -0.00 -1.00 -2.00 -133 -83 211 -1.55 -176 176 -446
Sale and/or Maturity of Investments		 4.70 2.84 3.13 4.89 2.99 5.69 1.23 4.67 2.74 2.60
Other Investing Activities, net		 -203 -209 -69 69 - -288 -11 10 -382 373
Net Cash From Financing Activities		 229 131 156 -14 89 71 -125 150 246 154
Net Cash From Continuing Financing Activities		 229 131 156 -14 89 71 -125 150 246 154
Net Change in Deposits		 113 168 138 9.33 102 -5.31 -71 194 250 158
Repayment of Debt		 - -134 20 -20 -10 80 -50 -120 - 170
Payment of Dividends		 -2.59 -2.59 -2.59 -3.45 -3.45 -3.45 -3.45 -4.26 -4.26 -4.26
Cash Interest Paid		 1.71 -1.71 0.47 2.25 41 18 23 19 23 22
Cash Income Taxes Paid		 - - 0.00 0.69 0.79 18 0.14 9.25 2.00 5.50

Annual Balance Sheets for Five Star Bancorp

This table presents Five Star Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 3,227 3,593 4,053
Cash and Due from Banks		 33 27 34
Interest Bearing Deposits at Other Banks		 227 295 318
Time Deposits Placed and Other Short-Term Investments		 9.85 5.86 4.12
Trading Account Securities		 129 123 104
Loans and Leases, Net of Allowance		 -28 -34 -38
Allowance for Loan and Lease Losses		 28 34 38
Premises and Equipment, Net		 1.61 1.62 1.58
Other Assets		 2,855 3,176 3,629
Total Liabilities & Shareholders' Equity		 3,227 3,593 4,053
Total Liabilities		 2,974 3,307 3,657
Non-Interest Bearing Deposits		 971 831 923
Interest Bearing Deposits		 1,811 2,196 2,635
Accrued Interest Payable		 14 31 18
Long-Term Debt		 174 244 74
Other Long-Term Liabilities		 4.24 5.60 6.86
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 253 286 397
Total Preferred & Common Equity		 253 286 397
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 253 286 397
Common Stock		 220 221 303
Retained Earnings		 47 77 106
Accumulated Other Comprehensive Income / (Loss)		 -13 -12 -12

Quarterly Balance Sheets for Five Star Bancorp

This table presents Five Star Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 3,075 3,397 3,403 3,505 3,476 3,634 3,887
Cash and Due from Banks		 33 27 29 27 30 29 45
Interest Bearing Deposits at Other Banks		 284 321 272 297 156 162 206
Time Deposits Placed and Other Short-Term Investments		 10 9.62 7.34 6.97 5.88 4.10 4.12
Trading Account Securities		 129 130 123 117 118 111 110
Loans and Leases, Net of Allowance		 2,555 -34 -34 -34 -35 -35 -38
Allowance for Loan and Lease Losses		 28 34 34 34 35 35 38
Premises and Equipment, Net		 1.69 1.68 1.60 1.56 1.57 1.61 1.66
Other Assets		 61 2,942 3,005 3,090 3,200 3,362 3,558
Total Liabilities & Shareholders' Equity		 3,075 3,397 3,403 3,505 3,476 3,634 3,887
Total Liabilities		 2,835 3,137 3,134 3,231 3,184 3,254 3,497
Non-Interest Bearing Deposits		 1,021 837 834 833 817 826 907
Interest Bearing Deposits		 1,594 2,084 2,096 2,199 2,138 2,324 2,493
Accrued Interest Payable		 9.46 17 25 30 27 23 16
Long-Term Debt		 207 194 174 164 194 74 74
Other Long-Term Liabilities		 4.49 5.43 5.28 5.04 7.32 7.08 7.10
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 239 261 269 274 293 380 390
Total Preferred & Common Equity		 239 261 269 274 293 380 390
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 239 261 269 274 293 380 390
Common Stock		 219 220 220 220 221 302 302
Retained Earnings		 36 53 62 70 84 91 97
Accumulated Other Comprehensive Income / (Loss)		 -16 -12 -13 -16 -12 -12 -9.73

Annual Metrics And Ratios for Five Star Bancorp

This table displays calculated financial ratios and metrics derived from Five Star Bancorp's official financial filings.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - -
Revenue Growth		 29.85% 7.41% 6.57%
EBITDA Growth		 34.50% 5.29% -2.19%
EBIT Growth		 33.32% 5.98% -2.84%
NOPAT Growth		 5.56% 6.55% -4.32%
Net Income Growth		 5.56% 6.55% -4.32%
EPS Growth		 -7.77% 6.51% -18.71%
Operating Cash Flow Growth		 60.43% -15.36% 33.08%
Free Cash Flow Firm Growth		 -207.11% 97.92% 289.09%
Invested Capital Growth		 118.65% 24.18% -11.14%
Revenue Q/Q Growth		 7.39% -1.76% 5.47%
EBITDA Q/Q Growth		 10.70% -4.88% 8.31%
EBIT Q/Q Growth		 10.82% -5.15% 6.97%
NOPAT Q/Q Growth		 4.61% -4.94% 5.84%
Net Income Q/Q Growth		 4.61% -4.94% 5.84%
EPS Q/Q Growth		 7.41% -4.79% -0.88%
Operating Cash Flow Q/Q Growth		 46.07% -34.06% 61.03%
Free Cash Flow Firm Q/Q Growth		 -1,696.91% -194.20% 512.10%
Invested Capital Q/Q Growth		 -4.45% 20.97% 1.45%
Profitability Metrics		 - - -
EBITDA Margin		 60.25% 59.07% 54.22%
EBIT Margin		 57.03% 56.27% 51.30%
Profit (Net Income) Margin		 40.64% 40.32% 36.20%
Tax Burden Percent		 71.27% 71.66% 70.57%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 28.73% 28.34% 29.43%
Return on Invested Capital (ROIC)		 0.00% 9.99% 9.13%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 9.99% 9.13%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 7.74% 4.25%
Return on Equity (ROE)		 18.37% 17.73% 13.39%
Cash Return on Invested Capital (CROIC)		 -625.55% -11.58% 20.93%
Operating Return on Assets (OROA)		 3.90% 1.95% 1.69%
Return on Assets (ROA)		 2.78% 1.40% 1.19%
Return on Common Equity (ROCE)		 18.37% 17.73% 13.39%
Return on Equity Simple (ROE_SIMPLE)		 17.72% 16.70% 11.51%
Net Operating Profit after Tax (NOPAT)		 45 48 46
NOPAT Margin		 40.64% 40.32% 36.20%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 26.88% 30.18% 33.10%
Operating Expenses to Revenue		 36.90% 40.35% 43.19%
Earnings before Interest and Taxes (EBIT)		 63 67 65
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 66 70 68
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.73 1.52 1.61
Price to Tangible Book Value (P/TBV)		 1.73 1.52 1.61
Price to Revenue (P/Rev)		 3.97 3.67 5.05
Price to Earnings (P/E)		 9.76 9.11 13.95
Dividend Yield		 2.37% 2.98% 2.68%
Earnings Yield		 10.25% 10.98% 7.17%
Enterprise Value to Invested Capital (EV/IC)		 0.80 0.66 0.75
Enterprise Value to Revenue (EV/Rev)		 3.09 2.97 2.81
Enterprise Value to EBITDA (EV/EBITDA)		 5.13 5.02 5.19
Enterprise Value to EBIT (EV/EBIT)		 5.42 5.27 5.48
Enterprise Value to NOPAT (EV/NOPAT)		 7.61 7.36 7.77
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.41 9.03 6.85
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 3.39
Leverage & Solvency		 - - -
Debt to Equity		 0.69 0.85 0.19
Long-Term Debt to Equity		 0.69 0.85 0.19
Financial Leverage		 -4.81 0.77 0.47
Leverage Ratio		 6.61 12.66 11.21
Compound Leverage Factor		 6.61 12.66 11.21
Debt to Total Capital		 40.71% 46.03% 15.71%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 40.71% 46.03% 15.71%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 59.29% 53.97% 84.30%
Debt to EBITDA		 2.61 3.49 1.08
Net Debt to EBITDA		 -1.45 -1.20 -4.13
Long-Term Debt to EBITDA		 2.61 3.49 1.08
Debt to NOPAT		 3.88 5.11 1.62
Net Debt to NOPAT		 -2.15 -1.75 -6.19
Long-Term Debt to NOPAT		 3.88 5.11 1.62
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -2,668 -55 105
Operating Cash Flow to CapEx		 9,558.21% 5,959.26% 8,246.18%
Free Cash Flow to Firm to Interest Expense		 -179.66 -0.87 1.20
Operating Cash Flow to Interest Expense		 3.10 0.61 0.59
Operating Cash Flow Less CapEx to Interest Expense		 3.06 0.60 0.59
Efficiency Ratios		 - - -
Asset Turnover		 0.07 0.03 0.03
Fixed Asset Turnover		 0.00 73.35 78.68
Capital & Investment Metrics		 - - -
Invested Capital		 426 530 471
Invested Capital Turnover		 -0.12 0.25 0.25
Increase / (Decrease) in Invested Capital		 2,712 103 -59
Enterprise Value (EV)		 341 351 355
Market Capitalization		 437 435 637
Book Value per Share		 $14.66 $16.56 $18.60
Tangible Book Value per Share		 $14.66 $16.56 $18.60
Total Capital		 426 530 471
Total Debt		 174 244 74
Total Long-Term Debt		 174 244 74
Net Debt		 -96 -84 -283
Capital Expenditures (CapEx)		 0.48 0.65 0.63
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 174 244 74
Total Depreciation and Amortization (D&A)		 3.56 3.32 3.68
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.61 $2.78 $2.26
Adjusted Weighted Average Basic Shares Outstanding		 17.26M 17.35M 21.33M
Adjusted Diluted Earnings per Share		 $2.61 $2.78 $2.26
Adjusted Weighted Average Diluted Shares Outstanding		 17.26M 17.35M 21.33M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 17.26M 17.35M 21.33M
Normalized Net Operating Profit after Tax (NOPAT)		 45 48 46
Normalized NOPAT Margin		 40.64% 40.32% 36.20%
Pre Tax Income Margin		 57.03% 56.27% 51.30%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 4.23 1.05 0.74
NOPAT to Interest Expense		 3.02 0.75 0.52
EBIT Less CapEx to Interest Expense		 4.20 1.04 0.73
NOPAT Less CapEx to Interest Expense		 2.98 0.74 0.52
Payout Ratios		 - - -
Dividend Payout Ratio		 34.15% 27.11% 35.57%
Augmented Payout Ratio		 34.15% 27.11% 35.57%

Quarterly Metrics And Ratios for Five Star Bancorp

This table displays calculated financial ratios and metrics derived from Five Star Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 32.00% 32.78% 26.91% 14.76% -0.33% -6.90% -6.36% 0.88% 10.07% 22.86%
EBITDA Growth		 26.34% 48.32% 37.93% 19.25% -6.46% -18.19% -18.94% -12.04% -4.00% 30.76%
EBIT Growth		 24.35% 48.61% 36.82% 22.35% -4.47% -19.28% -19.13% -11.75% -3.51% 27.83%
NOPAT Growth		 6.15% 17.45% 33.45% 27.89% -5.63% -18.69% -19.22% -15.30% -0.94% 23.32%
Net Income Growth		 6.15% 17.45% 33.45% 27.89% -5.63% -18.69% -19.22% -15.30% -0.94% 23.32%
EPS Growth		 6.25% 30.51% 32.76% 27.59% -5.88% -18.18% -19.48% -31.08% -18.75% -3.17%
Operating Cash Flow Growth		 453.90% 365.45% -80.09% 217.70% -7.72% -108.84% -64.41% -35.72% 17.39% 1,201.90%
Free Cash Flow Firm Growth		 26.40% -209.75% -102.11% -66.87% 110.91% 96.58% 88.20% 99.36% -177.12% 178.36%
Invested Capital Growth		 75.01% 118.65% 75.09% 37.68% -1.92% 24.18% 7.06% 2.59% 5.95% -11.14%
Revenue Q/Q Growth		 9.32% 6.15% -0.71% -0.40% -5.06% -0.85% -0.13% 7.31% 3.59% 10.67%
EBITDA Q/Q Growth		 14.52% 12.65% -2.41% -5.28% -10.17% -1.47% -1.54% 2.79% -1.97% 34.21%
EBIT Q/Q Growth		 17.82% 13.52% -1.43% -7.20% -8.00% -4.08% -1.25% 1.28% 0.59% 27.07%
NOPAT Q/Q Growth		 17.59% 13.48% -0.91% -3.28% -13.23% -2.23% -1.56% 1.42% 1.47% 21.72%
Net Income Q/Q Growth		 17.59% 13.48% -0.91% -3.28% -13.23% -2.23% -1.56% 1.42% 1.47% 21.72%
EPS Q/Q Growth		 17.24% 13.24% 0.00% -3.90% -13.51% -1.56% -1.59% -17.74% 1.96% 17.31%
Operating Cash Flow Q/Q Growth		 106.14% 14.19% -96.24% 3,491.79% -40.12% -110.94% 115.13% 6,387.45% 9.34% 2.70%
Free Cash Flow Firm Q/Q Growth		 -176.27% -1,403.02% 93.27% 40.29% 118.06% -571.03% 76.77% 96.77% -2,080.52% 578.60%
Invested Capital Q/Q Growth		 38.76% -4.45% 6.53% -2.53% -1.15% 20.97% -8.15% -6.59% 2.09% 1.45%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 60.41% 64.11% 63.01% 59.93% 56.70% 56.34% 54.55% 52.25% 49.45% 59.97%
EBIT Margin		 57.10% 61.07% 60.62% 56.48% 54.73% 52.95% 52.35% 49.41% 47.98% 55.09%
Profit (Net Income) Margin		 40.42% 43.21% 43.12% 41.87% 38.27% 37.74% 37.20% 35.16% 34.44% 37.88%
Tax Burden Percent		 70.79% 70.77% 71.14% 74.14% 69.93% 71.28% 71.06% 71.16% 71.79% 68.76%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 29.21% 29.23% 28.86% 25.86% 30.07% 28.72% 28.94% 28.84% 28.21% 31.24%
Return on Invested Capital (ROIC)		 11.83% 0.00% 14.10% 13.21% 10.43% 9.35% 9.21% 9.15% 9.14% 9.56%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.83% 0.00% 14.10% 13.21% 10.43% 9.35% 9.21% 9.15% 9.14% 9.56%
Return on Net Nonoperating Assets (RNNOA)		 5.98% 0.00% 6.37% 6.89% 7.54% 7.24% 6.45% 3.49% 3.27% 4.45%
Return on Equity (ROE)		 17.81% 18.37% 20.47% 20.11% 17.97% 16.59% 15.66% 12.63% 12.41% 14.01%
Cash Return on Invested Capital (CROIC)		 -42.34% -625.55% -41.12% -18.40% 13.30% -11.58% 2.79% 7.09% 3.79% 20.93%
Operating Return on Assets (OROA)		 2.13% 4.17% 2.29% 2.18% 2.00% 1.84% 1.77% 1.64% 1.55% 1.82%
Return on Assets (ROA)		 1.51% 2.95% 1.63% 1.62% 1.40% 1.31% 1.26% 1.17% 1.11% 1.25%
Return on Common Equity (ROCE)		 17.81% 18.37% 20.47% 20.11% 17.97% 16.59% 15.66% 12.63% 12.41% 14.01%
Return on Equity Simple (ROE_SIMPLE)		 17.90% 0.00% 18.45% 18.90% 18.33% 0.00% 15.45% 11.37% 11.07% 0.00%
Net Operating Profit after Tax (NOPAT)		 12 13 13 13 11 11 11 11 11 13
NOPAT Margin		 40.42% 43.21% 43.12% 41.87% 38.27% 37.74% 37.20% 35.16% 34.44% 37.88%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 25.79% 24.78% 27.63% 28.68% 31.16% 33.52% 34.36% 33.59% 33.07% 31.66%
Operating Expenses to Revenue		 35.13% 34.87% 36.43% 39.41% 41.63% 44.25% 44.50% 44.07% 43.37% 41.21%
Earnings before Interest and Taxes (EBIT)		 17 19 19 17 16 15 15 15 15 19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 17 20 19 18 16 16 16 16 16 21
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.92 1.73 1.34 1.37 1.21 1.52 1.31 1.32 1.61 1.61
Price to Tangible Book Value (P/TBV)		 1.92 1.73 1.34 1.37 1.21 1.52 1.31 1.32 1.61 1.61
Price to Revenue (P/Rev)		 4.47 3.97 2.99 3.07 2.76 3.67 3.28 4.29 5.26 5.05
Price to Earnings (P/E)		 10.71 9.76 7.26 7.27 6.61 9.11 8.45 11.57 14.59 13.95
Dividend Yield		 2.26% 2.37% 2.97% 3.03% 3.64% 2.98% 3.61% 3.41% 2.71% 2.68%
Earnings Yield		 9.34% 10.25% 13.78% 13.76% 15.12% 10.98% 11.84% 8.64% 6.85% 7.17%
Enterprise Value to Invested Capital (EV/IC)		 0.76 0.80 0.41 0.53 0.38 0.66 0.79 0.84 0.97 0.75
Enterprise Value to Revenue (EV/Rev)		 3.29 3.09 1.59 1.96 1.37 2.97 3.30 3.25 3.75 2.81
Enterprise Value to EBITDA (EV/EBITDA)		 5.63 5.13 2.58 3.16 2.25 5.02 5.83 5.95 7.10 5.19
Enterprise Value to EBIT (EV/EBIT)		 5.96 5.42 2.73 3.32 2.35 5.27 6.10 6.22 7.41 5.48
Enterprise Value to NOPAT (EV/NOPAT)		 7.89 7.61 3.85 4.64 3.29 7.36 8.51 8.78 10.39 7.77
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.73 7.41 4.29 3.91 2.80 9.03 10.00 12.85 13.95 6.85
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 2.81 0.00 29.28 11.95 26.23 3.39
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.87 0.69 0.74 0.65 0.60 0.85 0.66 0.19 0.19 0.19
Long-Term Debt to Equity		 0.87 0.69 0.74 0.65 0.60 0.85 0.66 0.19 0.19 0.19
Financial Leverage		 0.51 -4.81 0.45 0.52 0.72 0.77 0.70 0.38 0.36 0.47
Leverage Ratio		 11.82 6.61 12.56 12.42 12.82 12.66 12.42 10.83 11.13 11.21
Compound Leverage Factor		 11.82 6.61 12.56 12.42 12.82 12.66 12.42 10.83 11.13 11.21
Debt to Total Capital		 46.39% 40.71% 42.62% 39.22% 37.40% 46.03% 39.84% 16.25% 15.93% 15.71%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 46.39% 40.71% 42.62% 39.22% 37.40% 46.03% 39.84% 16.25% 15.93% 15.71%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 53.61% 59.29% 57.38% 60.78% 62.60% 53.97% 60.16% 83.75% 84.07% 84.30%
Debt to EBITDA		 3.45 2.61 2.70 2.33 2.23 3.49 2.94 1.16 1.17 1.08
Net Debt to EBITDA		 -2.01 -1.45 -2.29 -1.79 -2.27 -1.20 0.04 -1.89 -2.87 -4.13
Long-Term Debt to EBITDA		 3.45 2.61 2.70 2.33 2.23 3.49 2.94 1.16 1.17 1.08
Debt to NOPAT		 4.83 3.88 4.03 3.41 3.26 5.11 4.29 1.71 1.71 1.62
Net Debt to NOPAT		 -2.82 -2.15 -3.41 -2.63 -3.32 -1.75 0.06 -2.79 -4.20 -6.19
Long-Term Debt to NOPAT		 4.83 3.88 4.03 3.41 3.26 5.11 4.29 1.71 1.71 1.62
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -180 -2,699 -182 -108 20 -92 -21 -0.69 -15 72
Operating Cash Flow to CapEx		 17,025.26% 24,625.33% 289.17% 26,238.95% 11,056.30% -892.35% 228.70% 7,854.90% 8,343.33% 16,975.47%
Free Cash Flow to Firm to Interest Expense		 -43.55 -326.48 -16.27 -7.13 1.11 -4.73 -1.03 -0.03 -0.68 2.98
Operating Cash Flow to Interest Expense		 3.92 2.23 0.06 1.64 0.85 -0.08 0.01 0.81 0.79 0.74
Operating Cash Flow Less CapEx to Interest Expense		 3.90 2.23 0.04 1.63 0.84 -0.09 0.01 0.79 0.78 0.74
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.07 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03
Fixed Asset Turnover		 61.76 0.00 66.44 71.64 73.98 73.35 71.75 72.74 74.28 78.68
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 446 426 454 443 438 530 486 454 464 471
Invested Capital Turnover		 0.29 -0.12 0.33 0.32 0.27 0.25 0.25 0.26 0.27 0.25
Increase / (Decrease) in Invested Capital		 191 2,712 195 121 -8.55 103 32 11 26 -59
Enterprise Value (EV)		 338 341 185 236 165 351 385 380 449 355
Market Capitalization		 459 437 349 370 332 435 382 500 630 637
Book Value per Share		 $13.87 $14.66 $15.10 $15.59 $15.88 $16.56 $13.72 $17.85 $18.29 $18.60
Tangible Book Value per Share		 $13.87 $14.66 $15.10 $15.59 $15.88 $16.56 $13.72 $17.85 $18.29 $18.60
Total Capital		 446 426 454 443 438 530 486 454 464 471
Total Debt		 207 174 194 174 164 244 194 74 74 74
Total Long-Term Debt		 207 174 194 174 164 244 194 74 74 74
Net Debt		 -121 -96 -164 -134 -167 -84 2.58 -121 -181 -283
Capital Expenditures (CapEx)		 0.10 0.08 0.24 0.10 0.14 0.18 0.11 0.20 0.21 0.11
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 207 174 194 174 164 244 194 74 74 74
Total Depreciation and Amortization (D&A)		 0.96 0.94 0.73 1.05 0.57 0.97 0.63 0.87 0.47 1.71
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.68 $0.77 $0.77 $0.74 $0.64 $0.63 $0.62 $0.51 $0.52 $0.61
Adjusted Weighted Average Basic Shares Outstanding		 17.25M 17.26M 17.26M 17.26M 17.26M 17.35M 21.32M 21.32M 21.32M 21.33M
Adjusted Diluted Earnings per Share		 $0.68 $0.77 $0.77 $0.74 $0.64 $0.63 $0.62 $0.51 $0.52 $0.61
Adjusted Weighted Average Diluted Shares Outstanding		 17.25M 17.26M 17.26M 17.26M 17.26M 17.35M 21.32M 21.32M 21.32M 21.33M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 17.25M 17.26M 17.26M 17.26M 17.26M 17.35M 21.32M 21.32M 21.32M 21.33M
Normalized Net Operating Profit after Tax (NOPAT)		 12 13 13 13 11 11 11 11 11 13
Normalized NOPAT Margin		 40.42% 43.21% 43.12% 41.87% 38.27% 37.74% 37.20% 35.16% 34.44% 37.88%
Pre Tax Income Margin		 57.10% 61.07% 60.62% 56.48% 54.73% 52.95% 52.35% 49.41% 47.98% 55.09%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 4.01 2.27 1.66 1.13 0.90 0.78 0.72 0.76 0.68 0.80
NOPAT to Interest Expense		 2.84 1.61 1.18 0.84 0.63 0.55 0.51 0.54 0.49 0.55
EBIT Less CapEx to Interest Expense		 3.99 2.26 1.64 1.12 0.89 0.77 0.71 0.75 0.67 0.79
NOPAT Less CapEx to Interest Expense		 2.82 1.60 1.16 0.83 0.62 0.54 0.51 0.53 0.48 0.54
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 35.72% 34.15% 21.52% 22.04% 24.05% 27.11% 30.54% 33.79% 35.76% 35.57%
Augmented Payout Ratio		 35.72% 34.15% 21.52% 22.04% 24.05% 27.11% 30.54% 33.79% 35.76% 35.57%

Key Financial Trends

Five Star Bancorp (NASDAQ: FSBC) has shown steady growth in its financial performance over the past several quarters and years, based on analysis of the income statements, cash flow statements, and balance sheets from Q3 2022 through Q4 2024.

Income and Profitability Trends:

  • Net interest income has significantly increased from $27.5 million in Q3 2022 to $33.5 million in Q4 2024, reflecting an expanding loan portfolio and improved interest margins.
  • Net income attributable to common shareholders steadily grew from $11.7 million in Q3 2022 to $13.3 million in Q4 2024, driving earnings per share from approximately $0.68 to $0.61 to $0.61 quarterly in more recent quarters.
  • Provision for credit losses relative to total revenue appears well-managed, with a modest increase in individual quarters, indicating controlled loan risk exposures.

Operating Efficiency and Expense Management:

  • Total non-interest expense has increased but remains in proportion to revenue growth, with salaries and employee benefits being the largest component (around $7.5 million to $8.4 million per quarter), reflecting investment in staff to support growth.
  • Marketing, occupancy, and other operating expenses have shown steady but controlled increases supporting continued business development and infrastructure.

Liquidity and Capital Structure Developments:

  • Total deposits have generally increased over time, with a notable $158 million net increase in deposits reported in Q4 2024, aiding funding stability.
  • Long-term debt fluctuated, with repayments exceeding new issuance in some quarters, indicating prudent debt management and focus on reducing leverage.
  • Total equity increased from roughly $239 million in Q3 2022 to about $390 million by Q3 2024, strengthening the bank’s capital base and its capacity for growth.

Cash Flow Observations:

  • Net cash from operating activities remains strong and positive across quarters, rising to nearly $18 million in Q4 2024, indicative of healthy core business cash generation.
  • Investing activities show significant net cash outflows driven by large purchases of investment securities in recent quarters, raising questions about interest rate risk exposure and liquidity needs.
  • Financing activities fluctuate with significant debt repayments partially offset by deposit increases and dividend payments, reflecting active capital and liquidity management.

Summary: Five Star Bancorp has demonstrated solid growth in key financial metrics including net interest income, net income, and equity capital over the last two years. The company maintains strong operating cash flow and continues to build its deposit base, supporting lending activity. Expense growth is moderate relative to revenue gains. However, elevated investments in securities and fluctuations in debt repayment highlight areas investors should monitor for liquidity and interest rate risk. Overall, Five Star Bancorp’s financial trends point to a stable and growing regional bank with improving profitability and capital strength.

09/04/25 10:04 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Five Star Bancorp's Financials

When does Five Star Bancorp's fiscal year end?

According to the most recent income statement we have on file, Five Star Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Five Star Bancorp's net income changed over the last 2 years?

Five Star Bancorp's net income were at $45.67 million at the end of 2024, a 4.3% decrease from 2023, and a 1.9% increase since 2022. View Five Star Bancorp's forecast to see where analysts expect Five Star Bancorp to go next.

How has Five Star Bancorp's revenue changed over the last 2 years?

Over the last 2 years, Five Star Bancorp's total revenue changed from $110.23 million in 2022 to $126.16 million in 2024, a change of 14.5%.

How much debt does Five Star Bancorp have?

Five Star Bancorp's total liabilities were at $3.66 billion at the end of 2024, a 10.6% increase from 2023, and a 22.9% increase since 2022.

How much cash does Five Star Bancorp have?

In the past 2 years, Five Star Bancorp's cash and equivalents has ranged from $26.99 million in 2023 to $33.88 million in 2024, and is currently $33.88 million as of their latest financial filing in 2024.

How has Five Star Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Five Star Bancorp's book value per share changed from 14.66 in 2022 to 18.60 in 2024, a change of 26.9%.


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This page (NASDAQ:FSBC) was last updated on 9/4/2025 by MarketBeat.com Staff
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