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Five Star Bancorp (FSBC) Financials

Five Star Bancorp logo
$31.08 +1.39 (+4.68%)
Closing price 08/12/2025 04:00 PM Eastern
Extended Trading
$31.08 0.00 (0.00%)
As of 08/12/2025 05:40 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) Financial Summary and Trends Analysis:

Over the past four years culminating in Q4 2024, Five Star Bancorp has shown consistent financial performance with key metrics reflecting growth in interest income and stable profitability. Here is an analysis based on the latest income statements, cash flow statements, and balance sheets in comparison with previous quarters and years.

  • Net interest income increased steadily from $26.8 million in Q4 2023 to $33.5 million in Q4 2024, indicating strong loan and deposit interest income growth.
  • Total revenue rose from $28.6 million in Q4 2023 to $35.2 million in Q4 2024, driven by higher interest income and a slight increase in non-interest income.
  • Net income attributable to common shareholders grew from approximately $10.8 million in Q3 2024 to $13.3 million in Q4 2024, reflecting improved earnings and operational efficiency.
  • Basic and diluted earnings per share increased from $0.52 (Q3 2024) to $0.61 (Q4 2024), showing better profitability on a per-share basis.
  • The loan portfolio’s interest income grew from $43.4 million in Q4 2023 to $52.8 million in Q4 2024, representing strong growth in core lending operations.
  • Net cash from operating activities increased to $17.9 million in Q4 2024 from $17.5 million in Q3 2024, showing good cash generation capacity.
  • The provision for credit losses increased to $1.3 million in Q4 2024 from $2.75 million in Q3 2024, which may indicate a slightly more cautious stance on loan loss reserves but remained moderate relative to income.
  • Total assets grew from approximately $3.51 billion in Q3 2023 to about $3.89 billion in Q3 2024, with deposits rising significantly from $3.05 billion to $3.50 billion, supporting asset growth.
  • Long-term debt decreased from $193.8 million in Q1 2024 to $73.9 million in Q3 2024, reflecting debt repayment and potentially lower interest expense, which might reduce financial leverage but improve interest coverage.
  • The company has continued significant net cash outflows from investing activities, with large purchases of investment securities noted (e.g., $445.7 million purchase in Q4 2024), which increases asset base but could pressure liquidity if not balanced by financing or operating cash inflows.

Additional Observations:

  • Consistent dividend payment with a quarterly cash dividend of $0.20 per share since early 2024 indicates commitment to returning value to shareholders.
  • Allowance for loan and lease losses has increased from $27.8 million in Q3 2022 to around $37.6 million in Q3 2024, suggesting cautious provisioning in line with loan growth.
  • Salaries and employee benefits expenses have risen moderately over the periods reflecting controlled operational scaling alongside growth.
  • Operating expenses, while increasing, remained well-managed relative to revenue growth, supporting improving pre-tax income trends.
  • The company’s accumulated other comprehensive income (loss) fluctuates mildly but remains a small negative, reflecting some volatility in available-for-sale securities or other comprehensive income components.

Summary:

Five Star Bancorp has demonstrated robust revenue and net income growth over the recent years, supported by a strong loan portfolio and expanding deposit base. Margins appear healthy with steadily growing net interest income and controlled expenses. The bank is generating strong operating cash flows and managing its liabilities effectively by reducing long-term debt and maintaining a solid equity base.

Investors should watch the company's investment in securities and loan loss provisions for potential impacts on liquidity and credit quality. However, overall financial health and profitability trends suggest positive momentum for Five Star Bancorp.

08/13/25 03:25 AMAI Generated. May Contain Errors.

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?

In the past 2 years, Five Star Bancorp's net income has ranged from $44.80 million in 2022 to $47.73 million in 2023, and is currently $45.67 million as of their latest financial filing in 2024. See Five Star Bancorp's forecast for analyst expectations on what’s next for the company.

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 8/13/2025 by MarketBeat.com Staff
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