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Five Star Bancorp (FSBC) Financials

Five Star Bancorp logo
$27.85 +0.11 (+0.40%)
Closing price 04:00 PM Eastern
Extended Trading
$27.95 +0.10 (+0.36%)
As of 04:21 PM Eastern
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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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 46 48 45
Consolidated Net Income / (Loss)		 46 48 45
Net Income / (Loss) Continuing Operations		 46 48 45
Total Pre-Tax Income 		65 67 63
Total Revenue		 126 118 110
Net Interest Income / (Expense)		 120 111 103
Total Interest Income		 207 174 118
Loans and Leases Interest Income		 193 163 112
Investment Securities Interest Income		 2.53 2.60 2.43
Deposits and Money Market Investments Interest Income		 11 9.07 3.70
Total Interest Expense		 87 64 15
Deposits Interest Expense		 82 58 11
Short-Term Borrowings Interest Expense		 0.20 1.00 0.19
Long-Term Debt Interest Expense		 4.65 4.65 3.74
Total Non-Interest Income		 6.45 7.51 7.16
Service Charges on Deposit Accounts		 0.72 0.58 0.47
Other Service Charges		 2.49 3.67 2.79
Net Realized & Unrealized Capital Gains on Investments		 1.27 1.79 2.94
Other Non-Interest Income		 1.96 1.48 0.96
Provision for Credit Losses		 6.95 4.00 6.70
Total Non-Interest Expense		 54 48 41
Salaries and Employee Benefits		 32 27 23
Net Occupancy & Equipment Expense		 7.64 6.23 5.15
Marketing Expense		 2.41 2.40 1.91
Property & Liability Insurance Claims		 1.64 1.56 0.85
Other Operating Expenses		 11 10 10
Income Tax Expense		 19 19 18
Basic Earnings per Share		 $2.26 $2.78 $2.61
Weighted Average Basic Shares Outstanding		 21.33M 17.35M 17.26M
Diluted Earnings per Share		 $2.26 $2.78 $2.61
Weighted Average Diluted Shares Outstanding		 21.33M 17.35M 17.26M
Weighted Average Basic & Diluted Shares Outstanding		 21.33M 17.35M 17.26M
Cash Dividends to Common per Share		 $0.80 $0.75 $1.05

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

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

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

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

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

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

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

Frequently Asked Questions About Five Star Bancorp's Financials

When does Five Star Bancorp's financial year end?

According to the most recent income statement we have on file, Five Star Bancorp's fiscal year ends in December. Their fiscal 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 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 5/30/2025 by MarketBeat.com Staff
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