Five Star Bancorp (FSBC) Financials

$28.02 -0.16 (-0.57%)

Closing price 05/5/2025 04:00 PM Eastern

Extended Trading

$28.02 0.00 (0.00%)

As of 05:18 AM Eastern

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

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

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

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

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

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

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%

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%

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?

Recent net income reported by Five Star Bancorp includes:

2022: $44.80 million
2023: $47.73 million
2024: $45.67 million

Find out what analysts predict for Five Star Bancorp in the coming months.

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 5/6/2025 by MarketBeat.com Staff

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Five Star Bancorp (FSBC) Financials

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Five Star Bancorp (FSBC) Financials

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