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Five Star Bancorp (FSBC) Financials

Five Star Bancorp logo
$41.96 0.00 (0.00%)
Closing price 05/22/2026 04:00 PM Eastern
Extended Trading
$41.97 +0.01 (+0.02%)
As of 05/22/2026 04:10 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 Massive. 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 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 36 42 45 48 46 62
Consolidated Net Income / (Loss)		 36 42 45 48 46 62
Net Income / (Loss) Continuing Operations		 36 42 45 48 46 62
Total Pre-Tax Income 		37 47 63 67 65 84
Total Revenue		 75 85 110 118 126 158
Net Interest Income / (Expense)		 65 78 103 111 120 152
Total Interest Income		 74 82 118 174 207 249
Loans and Leases Interest Income		 71 79 112 163 193 229
Investment Securities Interest Income		 1.79 2.14 2.43 2.60 2.53 2.30
Deposits and Money Market Investments Interest Income		 1.20 0.55 3.70 9.07 11 17
Total Interest Expense		 9.18 3.97 15 64 87 97
Deposits Interest Expense		 7.41 2.20 11 58 82 92
Short-Term Borrowings Interest Expense		 - - 0.19 1.00 0.20 0.00
Long-Term Debt Interest Expense		 1.77 1.77 3.74 4.65 4.65 4.65
Total Non-Interest Income		 9.30 7.28 7.16 7.51 6.45 6.54
Service Charges on Deposit Accounts		 0.37 0.42 0.47 0.58 0.72 0.76
Other Service Charges		 2.81 1.44 2.79 3.67 2.49 3.40
Net Realized & Unrealized Capital Gains on Investments		 5.58 4.81 2.94 1.79 1.27 0.24
Other Non-Interest Income		 0.54 0.61 0.96 1.48 1.96 2.14
Provision for Credit Losses		 9.00 1.70 6.70 4.00 6.95 9.70
Total Non-Interest Expense		 28 36 41 48 54 65
Salaries and Employee Benefits		 16 20 23 27 32 38
Net Occupancy & Equipment Expense		 3.70 4.43 5.15 6.23 7.64 8.90
Marketing Expense		 1.10 1.30 1.91 2.40 2.41 3.18
Property & Liability Insurance Claims		 1.14 0.70 0.85 1.56 1.64 1.95
Other Operating Expenses		 6.24 9.79 10 10 11 13
Income Tax Expense		 1.33 4.71 18 19 19 22
Basic Earnings per Share		 $3.57 $2.83 $2.61 $2.78 $2.26 $2.90
Weighted Average Basic Shares Outstanding		 - 17.25M 17.26M 17.35M 21.33M 21.38M
Diluted Earnings per Share		 $3.57 $2.83 $2.61 $2.78 $2.26 $2.90
Weighted Average Diluted Shares Outstanding		 - 17.25M 17.26M 17.35M 21.33M 21.38M
Weighted Average Basic & Diluted Shares Outstanding		 - 17.25M 17.26M 17.35M 21.33M 21.38M
Cash Dividends to Common per Share		 $2.63 $4.55 $1.05 $0.75 $0.80 $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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 11 11 11 11 11 13 13 15 16 18 19
Consolidated Net Income / (Loss)		 11 11 11 11 11 13 13 15 16 18 19
Net Income / (Loss) Continuing Operations		 11 11 11 11 11 13 13 15 16 18 19
Total Pre-Tax Income 		16 15 15 15 15 19 18 20 22 23 25
Total Revenue		 29 29 29 31 32 35 35 38 41 43 45
Net Interest Income / (Expense)		 27 27 27 29 30 33 34 37 39 42 43
Total Interest Income		 45 46 48 49 53 58 57 61 65 66 67
Loans and Leases Interest Income		 42 43 44 46 50 53 53 56 59 61 62
Investment Securities Interest Income		 0.65 0.65 0.65 0.65 0.62 0.61 0.58 0.58 0.58 0.56 0.54
Deposits and Money Market Investments Interest Income		 2.58 2.10 3.10 1.99 1.66 4.34 3.58 3.99 5.01 4.85 4.69
Total Interest Expense		 18 20 21 20 22 24 23 24 25 24 24
Deposits Interest Expense		 16 18 20 19 21 23 22 23 24 23 23
Short-Term Borrowings Interest Expense		 0.08 0.21 0.13 0.03 0.04 - 0.00 0.00 0.00 - 0.00
Long-Term Debt Interest Expense		 1.16 1.16 1.16 1.16 1.16 1.16 1.16 1.16 1.16 1.16 1.16
Total Non-Interest Income		 1.38 1.94 1.83 1.57 1.38 1.67 1.36 1.81 1.97 1.40 1.64
Service Charges on Deposit Accounts		 0.16 0.17 0.19 0.19 0.17 0.18 0.22 0.20 0.19 0.16 0.14
Other Service Charges		 0.43 1.15 0.80 0.45 0.42 0.82 0.53 0.95 1.24 0.68 0.52
Net Realized & Unrealized Capital Gains on Investments		 0.40 0.15 0.37 0.45 0.31 0.15 0.13 0.12 0.00 - 0.00
Other Non-Interest Income		 0.40 0.47 0.47 0.49 0.49 0.51 0.49 0.55 0.54 0.57 0.99
Provision for Credit Losses		 1.05 0.80 0.90 2.00 2.75 1.30 1.90 2.50 2.50 2.80 2.68
Total Non-Interest Expense		 12 13 13 14 14 14 15 16 17 18 17
Salaries and Employee Benefits		 6.88 7.18 7.58 7.80 7.97 8.36 9.13 8.91 9.72 10 11
Net Occupancy & Equipment Expense		 1.58 1.69 1.78 1.88 1.95 2.02 2.09 2.17 2.26 2.39 2.38
Marketing Expense		 0.54 0.72 0.46 0.62 0.58 0.75 0.52 0.87 0.80 0.99 0.74
Property & Liability Insurance Claims		 0.38 0.37 0.40 0.39 0.41 0.44 0.46 0.47 0.50 0.53 0.55
Other Operating Expenses		 2.65 2.70 2.50 2.82 2.87 2.92 2.84 3.32 3.30 3.63 2.30
Income Tax Expense		 4.75 4.35 4.33 4.37 4.30 6.05 5.28 5.59 5.89 5.37 6.41
Basic Earnings per Share		 $0.64 $0.63 $0.62 $0.51 $0.52 $0.61 $0.62 $0.68 $0.77 $0.83 $0.87
Weighted Average Basic Shares Outstanding		 17.26M 17.35M 21.32M 21.32M 21.32M 21.33M 21.36M 21.37M 21.37M 21.38M 21.38M
Diluted Earnings per Share		 $0.64 $0.63 $0.62 $0.51 $0.52 $0.61 $0.62 $0.68 $0.77 $0.83 $0.87
Weighted Average Diluted Shares Outstanding		 17.26M 17.35M 21.32M 21.32M 21.32M 21.33M 21.36M 21.37M 21.37M 21.38M 21.38M
Weighted Average Basic & Diluted Shares Outstanding		 17.26M 17.35M 21.32M 21.32M 21.32M 21.33M 21.36M 21.37M 21.37M 21.38M 21.38M

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 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 113 135 -165 62 31 155
Net Cash From Operating Activities		 51 29 46 39 52 73
Net Cash From Continuing Operating Activities		 64 29 46 39 52 73
Net Income / (Loss) Continuing Operations		 36 42 45 48 46 62
Consolidated Net Income / (Loss)		 36 42 45 48 46 62
Provision For Loan Losses		 9.00 1.70 6.70 4.00 6.95 9.70
Depreciation Expense		 0.46 0.61 1.64 1.61 1.88 2.25
Amortization Expense		 -1.07 1.63 1.92 1.70 1.80 2.89
Non-Cash Adjustments to Reconcile Net Income		 14 -13 -10 -13 -4.44 -6.55
Changes in Operating Assets and Liabilities, net		 5.38 -4.97 1.29 -2.71 -0.08 2.72
Net Cash From Investing Activities		 -373 -455 -837 -279 -447 -544
Net Cash From Continuing Investing Activities		 -38 -455 -837 -279 -447 -544
Purchase of Property, Leasehold Improvements and Equipment		 -0.83 -0.72 -0.48 -0.65 -0.63 -1.20
Purchase of Investment Securities		 -100 -102 -9.92 -8.67 -447 -551
Sale and/or Maturity of Investments		 63 75 22 17 11 14
Other Investing Activities, net		 - -427 -848 -287 -10 -5.59
Net Cash From Financing Activities		 434 561 626 302 426 626
Net Cash From Continuing Financing Activities		 457 561 626 302 426 626
Net Change in Deposits		 468 502 496 245 531 643
Issuance of Debt		 - 0.00 175 - -170 0.00
Issuance of Common Equity		 13 111 0.00 0.00 81 0.00
Payment of Dividends		 - -52 -15 -13 -16 -17
Cash Interest Paid		 9.71 4.51 1.35 62 87 98
Cash Income Taxes Paid		 1.66 10 5.20 20 17 25

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 23 -1.97 -136 5.03 60 101 100 31 97 -74 138
Net Cash From Operating Activities		 15 -1.63 0.25 16 18 18 15 18 19 21 19
Net Cash From Continuing Operating Activities		 15 -1.63 0.25 16 18 18 15 18 19 21 19
Net Income / (Loss) Continuing Operations		 11 11 11 11 11 13 13 15 16 18 19
Consolidated Net Income / (Loss)		 11 11 11 11 11 13 13 15 16 18 19
Provision For Loan Losses		 1.05 0.80 0.90 2.00 2.75 1.30 1.90 2.50 2.50 2.80 2.68
Depreciation Expense		 0.40 0.39 0.47 0.47 0.47 0.47 0.46 0.45 -0.96 2.30 0.56
Amortization Expense		 0.17 0.59 0.16 0.41 -0.00 1.24 0.66 0.85 0.82 0.56 1.04
Non-Cash Adjustments to Reconcile Net Income		 -0.87 -2.56 -9.78 3.98 3.09 -1.72 -2.84 5.03 1.46 -10 -1.74
Changes in Operating Assets and Liabilities, net		 3.14 -12 -2.13 -1.61 0.28 3.39 2.18 -5.54 -1.37 7.73 -2.40
Net Cash From Investing Activities		 -81 -72 -12 -161 -203 -70 -89 -141 -127 -188 -144
Net Cash From Continuing Investing Activities		 -81 -72 -12 -161 -203 -70 -89 -141 -127 -188 -144
Purchase of Property, Leasehold Improvements and Equipment		 -0.14 -0.18 -0.11 -0.20 -0.21 -0.11 -0.10 -0.24 -0.22 -0.64 -0.17
Purchase of Investment Securities		 -83 211 -2.55 -176 176 -446 -91 1.25 -1.03 -546 -4.36
Sale and/or Maturity of Investments		 2.99 5.69 2.23 4.67 2.74 2.60 2.13 4.08 4.12 3.39 -0.17
Other Investing Activities, net		 - -288 -11 10 -382 373 0.00 -146 -130 356 -140
Net Cash From Financing Activities		 89 71 -125 150 246 154 174 154 205 93 263
Net Cash From Continuing Financing Activities		 89 71 -125 150 246 154 174 154 205 93 263
Net Change in Deposits		 102 -5.31 -71 194 250 158 178 158 209 98 268
Payment of Dividends		 -3.45 -3.45 -3.45 -4.26 -4.26 -4.26 -4.27 -4.27 -4.27 -4.27 -5.34
Cash Interest Paid		 41 18 23 19 23 22 23 23 26 26 25
Cash Income Taxes Paid		 0.79 18 0.14 9.25 2.00 5.50 0.03 13 4.85 6.95 0.18

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 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,954 0.00 3,227 3,593 4,053 4,755
Cash and Due from Banks		 46 - 33 27 34 34
Interest Bearing Deposits at Other Banks		 244 - 227 295 318 473
Time Deposits Placed and Other Short-Term Investments		 24 - 9.85 5.86 4.12 0.10
Trading Account Securities		 128 - 129 123 104 97
Loans and Leases, Net of Allowance		 0.00 0.00 -28 -34 -38 -44
Allowance for Loan and Lease Losses		 - - 28 34 38 44
Premises and Equipment, Net		 1.66 - 1.61 1.62 1.58 2.11
Other Assets		 29 - 2,855 3,176 3,629 4,193
Total Liabilities & Shareholders' Equity		 1,954 2,521 3,227 3,593 4,053 4,755
Total Liabilities		 1,820 2,286 2,974 3,307 3,657 4,309
Non-Interest Bearing Deposits		 701 902 971 831 923 1,085
Interest Bearing Deposits		 1,083 1,384 1,811 2,196 2,635 3,117
Accrued Interest Payable		 7.67 - 14 31 18 22
Long-Term Debt		 28 - 174 244 74 74
Other Long-Term Liabilities		 - - 4.24 5.60 6.86 12
Commitments & Contingencies		 - - 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 134 235 253 286 397 446
Total Preferred & Common Equity		 134 235 253 286 397 446
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 134 235 253 286 397 446
Common Stock		 110 218 220 221 303 304
Retained Earnings		 22 17 47 77 106 151
Accumulated Other Comprehensive Income / (Loss)		 1.35 -0.57 -13 -12 -12 -9.14

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 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 3,075 3,397 3,403 3,505 3,476 3,634 3,887 4,245 4,413 4,642 5,032
Cash and Due from Banks		 33 27 29 27 30 29 45 42 54 44 46
Interest Bearing Deposits at Other Banks		 284 321 272 297 156 162 206 410 430 536 598
Time Deposits Placed and Other Short-Term Investments		 10 9.62 7.34 6.97 5.88 4.10 4.12 4.02 0.85 0.10 0.10
Trading Account Securities		 129 130 123 117 118 111 110 102 98 98 94
Loans and Leases, Net of Allowance		 2,555 -34 -34 -34 -35 -35 -38 -39 -40 -42 -46
Allowance for Loan and Lease Losses		 28 34 34 34 35 35 38 39 40 42 46
Premises and Equipment, Net		 1.69 1.68 1.60 1.56 1.57 1.61 1.66 1.52 1.61 1.66 2.09
Other Assets		 61 2,942 3,005 3,090 3,200 3,362 3,558 3,724 3,869 4,004 4,338
Total Liabilities & Shareholders' Equity		 3,075 3,397 3,403 3,505 3,476 3,634 3,887 4,245 4,413 4,642 5,032
Total Liabilities		 2,835 3,137 3,134 3,231 3,184 3,254 3,497 3,839 3,997 4,210 4,573
Non-Interest Bearing Deposits		 1,021 837 834 833 817 826 907 934 1,004 1,059 1,233
Interest Bearing Deposits		 1,594 2,084 2,096 2,199 2,138 2,324 2,493 2,803 2,891 3,044 3,237
Accrued Interest Payable		 9.46 17 25 30 27 23 16 22 20 23 18
Long-Term Debt		 207 194 174 164 194 74 74 74 74 74 74
Other Long-Term Liabilities		 4.49 5.43 5.28 5.04 7.32 7.08 7.10 6.59 7.74 10 12
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 239 261 269 274 293 380 390 406 417 431 459
Total Preferred & Common Equity		 239 261 269 274 293 380 390 406 417 431 459
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 239 261 269 274 293 380 390 406 417 431 459
Common Stock		 219 220 220 220 221 302 302 303 303 304 304
Retained Earnings		 36 53 62 70 84 91 97 115 126 138 164
Accumulated Other Comprehensive Income / (Loss)		 -16 -12 -13 -16 -12 -12 -9.73 -12 -12 -9.88 -10

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 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Growth Metrics		 - - - - - -
Profitability Metrics		 - - - - - -
Valuation Ratios		 - - - - - -
Leverage & Solvency		 - - - - - -
Liquidity Ratios		 - - - - - -
Cash Flow Metrics		 - - - - - -
Efficiency Ratios		 - - - - - -
Capital & Investment Metrics		 - - - - - -
Earnings Adjustments		 - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $2.83 $2.61 $2.78 $2.26 $2.90
Adjusted Weighted Average Basic Shares Outstanding		 0.00 17.25M 17.26M 17.35M 21.33M 21.38M
Adjusted Diluted Earnings per Share		 $0.00 $2.83 $2.61 $2.78 $2.26 $2.90
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 17.25M 17.26M 17.35M 21.33M 21.38M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 17.25M 17.26M 17.35M 21.33M 21.38M
Debt Service Ratios		 - - - - - -
Payout Ratios		 - - - - - -

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 21,329,235.00 21,360,991.00 21,368,053.00 - 21,376,153.00
DEI Adjusted Shares Outstanding		 - - - - - - 21,329,235.00 21,360,991.00 21,368,053.00 - 21,376,153.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.61 0.68 0.76 - 0.87
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -0.33% -6.90% -6.36% 0.88% 10.07% 22.86% 23.65% 24.98% 30.05% - 27.63%
EBITDA Growth		 -6.46% -18.19% -18.94% -12.04% -4.00% 30.76% 25.19% 33.51% 37.29% - 36.45%
EBIT Growth		 -4.47% -19.28% -19.13% -11.75% -3.51% 27.83% 22.93% 32.65% 45.88% - 36.10%
NOPAT Growth		 -5.63% -18.69% -19.22% -15.30% -0.94% 23.32% 23.33% 34.56% 49.38% - 42.03%
Net Income Growth		 -5.63% -18.69% -19.22% -15.30% -0.94% 23.32% 23.33% 34.56% 49.38% - 42.03%
EPS Growth		 -5.88% -18.18% -19.48% -31.08% -18.75% -3.17% 0.00% 33.33% 48.08% - 40.32%
Operating Cash Flow Growth		 -7.72% -108.84% -64.41% -35.72% 17.39% 1,201.90% 6,163.97% 11.02% 7.26% - 22.34%
Free Cash Flow Firm Growth		 110.91% 96.58% 88.20% 99.36% -177.12% 178.36% 189.06% -3,061.62% -66.63% - -275.93%
Invested Capital Growth		 -1.92% 24.18% 7.06% 2.59% 5.95% -11.14% -1.23% 8.02% 8.95% - 10.87%
Revenue Q/Q Growth		 -5.06% -0.85% -0.13% 7.31% 3.59% 10.67% 0.51% 8.46% 7.80% - 3.76%
EBITDA Q/Q Growth		 -10.17% -1.47% -1.54% 2.79% -1.97% 34.21% -7.43% 9.62% 3.29% - 2.95%
EBIT Q/Q Growth		 -8.00% -4.08% -1.25% 1.28% 0.59% 27.07% -5.04% 9.29% 10.62% - 8.79%
NOPAT Q/Q Growth		 -13.23% -2.23% -1.56% 1.42% 1.47% 21.72% -1.55% 10.66% 12.66% - 5.54%
Net Income Q/Q Growth		 -13.23% -2.23% -1.56% 1.42% 1.47% 21.72% -1.55% 10.66% 12.66% - 5.54%
EPS Q/Q Growth		 -13.51% -1.56% -1.59% -17.74% 1.96% 17.31% 1.64% 9.68% 13.24% - 4.82%
Operating Cash Flow Q/Q Growth		 -40.12% -110.94% 115.13% 6,387.45% 9.34% 2.70% -14.02% 14.98% 5.64% - -7.92%
Free Cash Flow Firm Q/Q Growth		 118.06% -571.03% 76.77% 96.77% -2,080.52% 578.60% -73.60% -214.75% -14.92% - -5.93%
Invested Capital Q/Q Growth		 -1.15% 20.97% -8.15% -6.59% 2.09% 1.45% 2.10% 2.15% 2.98% - 2.45%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 56.70% 56.34% 54.55% 52.25% 49.45% 59.97% 55.22% 55.82% 53.48% - 59.04%
EBIT Margin		 54.73% 52.95% 52.35% 49.41% 47.98% 55.09% 52.05% 52.44% 53.82% - 55.50%
Profit (Net Income) Margin		 38.27% 37.74% 37.20% 35.16% 34.44% 37.88% 37.10% 37.86% 39.56% - 41.29%
Tax Burden Percent		 69.93% 71.28% 71.06% 71.16% 71.79% 68.76% 71.29% 72.18% 73.51% - 74.39%
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		 30.07% 28.72% 28.94% 28.84% 28.21% 31.24% 28.71% 27.82% 26.49% - 25.61%
Return on Invested Capital (ROIC)		 10.43% 9.35% 9.21% 9.15% 9.14% 9.56% 10.20% 11.26% 12.26% - 13.71%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.43% 9.35% 9.21% 9.15% 9.14% 9.56% 10.20% 11.26% 12.26% - 13.71%
Return on Net Nonoperating Assets (RNNOA)		 7.54% 7.24% 6.45% 3.49% 3.27% 4.45% 3.91% 2.09% 2.21% - 2.35%
Return on Equity (ROE)		 17.97% 16.59% 15.66% 12.63% 12.41% 14.01% 14.11% 13.35% 14.46% - 16.06%
Cash Return on Invested Capital (CROIC)		 13.30% -11.58% 2.79% 7.09% 3.79% 20.93% 11.20% 3.27% 3.25% - 2.94%
Operating Return on Assets (OROA)		 2.00% 1.84% 1.77% 1.64% 1.55% 1.82% 1.79% 1.83% 1.89% - 2.01%
Return on Assets (ROA)		 1.40% 1.31% 1.26% 1.17% 1.11% 1.25% 1.28% 1.32% 1.39% - 1.50%
Return on Common Equity (ROCE)		 17.97% 16.59% 15.66% 12.63% 12.41% 14.01% 14.11% 13.35% 14.46% - 16.06%
Return on Equity Simple (ROE_SIMPLE)		 18.33% 0.00% 15.45% 11.37% 11.07% 0.00% 11.85% 12.45% 13.28% - 14.64%
Net Operating Profit after Tax (NOPAT)		 11 11 11 11 11 13 13 15 16 - 19
NOPAT Margin		 38.27% 37.74% 37.20% 35.16% 34.44% 37.88% 37.10% 37.86% 39.56% - 41.29%
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		 31.16% 33.52% 34.36% 33.59% 33.07% 31.66% 33.25% 31.15% 30.93% - 32.27%
Operating Expenses to Revenue		 41.63% 44.25% 44.50% 44.07% 43.37% 41.21% 42.58% 41.03% 40.13% - 38.57%
Earnings before Interest and Taxes (EBIT)		 16 15 15 15 15 19 18 20 22 - 25
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 16 16 16 16 16 21 20 21 22 - 27
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.21 1.52 1.31 1.32 1.61 1.61 1.45 1.45 1.59 - 1.75
Price to Tangible Book Value (P/TBV)		 1.21 1.52 1.31 1.32 1.61 1.61 1.45 1.45 1.59 - 1.75
Price to Revenue (P/Rev)		 2.76 3.67 3.28 4.29 5.26 5.05 4.43 4.31 4.56 - 4.76
Price to Earnings (P/E)		 6.61 9.11 8.45 11.57 14.59 13.95 12.23 11.67 11.94 - 11.94
Dividend Yield		 3.64% 2.98% 3.61% 3.41% 2.71% 2.68% 2.90% 2.82% 2.50% - 2.27%
Earnings Yield		 15.12% 10.98% 11.84% 8.64% 6.85% 7.17% 8.18% 8.57% 8.37% - 8.37%
Enterprise Value to Invested Capital (EV/IC)		 0.38 0.66 0.79 0.84 0.97 0.75 0.43 0.40 0.35 - 0.43
Enterprise Value to Revenue (EV/Rev)		 1.37 2.97 3.30 3.25 3.75 2.81 1.55 1.39 1.18 - 1.37
Enterprise Value to EBITDA (EV/EBITDA)		 2.25 5.02 5.83 5.95 7.10 5.19 2.85 2.51 2.12 - 2.41
Enterprise Value to EBIT (EV/EBIT)		 2.35 5.27 6.10 6.22 7.41 5.48 3.02 2.67 2.22 - 2.56
Enterprise Value to NOPAT (EV/NOPAT)		 3.29 7.36 8.51 8.78 10.39 7.77 4.28 3.76 3.10 - 3.44
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.80 9.03 10.00 12.85 13.95 6.85 3.08 2.83 2.54 - 3.04
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.81 0.00 29.28 11.95 26.23 3.39 3.81 12.60 11.27 - 15.50
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.60 0.85 0.66 0.19 0.19 0.19 0.18 0.18 0.17 - 0.16
Long-Term Debt to Equity		 0.60 0.85 0.66 0.19 0.19 0.19 0.18 0.18 0.17 - 0.16
Financial Leverage		 0.72 0.77 0.70 0.38 0.36 0.47 0.38 0.19 0.18 - 0.17
Leverage Ratio		 12.82 12.66 12.42 10.83 11.13 11.21 11.05 10.09 10.39 - 10.73
Compound Leverage Factor		 12.82 12.66 12.42 10.83 11.13 11.21 11.05 10.09 10.39 - 10.73
Debt to Total Capital		 37.40% 46.03% 39.84% 16.25% 15.93% 15.71% 15.39% 15.07% 14.65% - 13.91%
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		 37.40% 46.03% 39.84% 16.25% 15.93% 15.71% 15.39% 15.07% 14.65% - 13.91%
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		 62.60% 53.97% 60.16% 83.75% 84.07% 84.30% 84.61% 84.93% 85.35% - 86.09%
Debt to EBITDA		 2.23 3.49 2.94 1.16 1.17 1.08 1.02 0.95 0.88 - 0.77
Net Debt to EBITDA		 -2.27 -1.20 0.04 -1.89 -2.87 -4.13 -5.29 -5.29 -6.05 - -5.94
Long-Term Debt to EBITDA		 2.23 3.49 2.94 1.16 1.17 1.08 1.02 0.95 0.88 - 0.77
Debt to NOPAT		 3.26 5.11 4.29 1.71 1.71 1.62 1.54 1.43 1.29 - 1.10
Net Debt to NOPAT		 -3.32 -1.75 0.06 -2.79 -4.20 -6.19 -7.95 -7.92 -8.84 - -8.50
Long-Term Debt to NOPAT		 3.26 5.11 4.29 1.71 1.71 1.62 1.54 1.43 1.29 - 1.10
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)		 20 -92 -21 -0.69 -15 72 19 -22 -25 - -34
Operating Cash Flow to CapEx		 11,056.30% -892.35% 228.70% 7,854.90% 8,343.33% 16,975.47% 15,472.00% 7,290.98% 8,740.93% - 11,267.26%
Free Cash Flow to Firm to Interest Expense		 1.11 -4.73 -1.03 -0.03 -0.68 2.98 0.83 -0.91 -0.99 - -1.41
Operating Cash Flow to Interest Expense		 0.85 -0.08 0.01 0.81 0.79 0.74 0.67 0.74 0.74 - 0.79
Operating Cash Flow Less CapEx to Interest Expense		 0.84 -0.09 0.01 0.79 0.78 0.74 0.67 0.73 0.73 - 0.79
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04 - 0.04
Fixed Asset Turnover		 73.98 73.35 71.75 72.74 74.28 78.68 85.95 87.43 90.63 - 93.08
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 438 530 486 454 464 471 480 491 505 - 533
Invested Capital Turnover		 0.27 0.25 0.25 0.26 0.27 0.25 0.28 0.30 0.31 - 0.33
Increase / (Decrease) in Invested Capital		 -8.55 103 32 11 26 -59 -5.98 36 42 - 52
Enterprise Value (EV)		 165 351 385 380 449 355 206 195 178 - 231
Market Capitalization		 332 435 382 500 630 637 589 606 684 - 801
Book Value per Share		 $15.88 $16.56 $13.72 $17.85 $18.29 $18.60 $19.06 $19.51 $20.18 - $21.45
Tangible Book Value per Share		 $15.88 $16.56 $13.72 $17.85 $18.29 $18.60 $19.06 $19.51 $20.18 - $21.45
Total Capital		 438 530 486 454 464 471 480 491 505 - 533
Total Debt		 164 244 194 74 74 74 74 74 74 - 74
Total Long-Term Debt		 164 244 194 74 74 74 74 74 74 - 74
Net Debt		 -167 -84 2.58 -121 -181 -283 -383 -411 -507 - -570
Capital Expenditures (CapEx)		 0.14 0.18 0.11 0.20 0.21 0.11 0.10 0.24 0.22 - 0.17
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)		 164 244 194 74 74 74 74 74 74 - 74
Total Depreciation and Amortization (D&A)		 0.57 0.97 0.63 0.87 0.47 1.71 1.12 1.29 -0.14 - 1.60
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.64 $0.63 $0.62 $0.51 $0.52 $0.61 $0.62 $0.68 $0.77 $0.83 $0.87
Adjusted Weighted Average Basic Shares Outstanding		 17.26M 17.35M 21.32M 21.32M 21.32M 21.33M 21.36M 21.37M 21.37M 21.38M 21.38M
Adjusted Diluted Earnings per Share		 $0.64 $0.63 $0.62 $0.51 $0.52 $0.61 $0.62 $0.68 $0.77 $0.83 $0.87
Adjusted Weighted Average Diluted Shares Outstanding		 17.26M 17.35M 21.32M 21.32M 21.32M 21.33M 21.36M 21.37M 21.37M 21.38M 21.38M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 17.26M 17.35M 21.32M 21.32M 21.32M 21.33M 21.36M 21.37M 21.37M 21.38M 21.38M
Normalized Net Operating Profit after Tax (NOPAT)		 11 11 11 11 11 13 13 15 16 - 19
Normalized NOPAT Margin		 38.27% 37.74% 37.20% 35.16% 34.44% 37.88% 37.10% 37.86% 39.56% - 41.29%
Pre Tax Income Margin		 54.73% 52.95% 52.35% 49.41% 47.98% 55.09% 52.05% 52.44% 53.82% - 55.50%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.90 0.78 0.72 0.76 0.68 0.80 0.80 0.84 0.87 - 1.05
NOPAT to Interest Expense		 0.63 0.55 0.51 0.54 0.49 0.55 0.57 0.60 0.64 - 0.78
EBIT Less CapEx to Interest Expense		 0.89 0.77 0.71 0.75 0.67 0.79 0.79 0.83 0.86 - 1.04
NOPAT Less CapEx to Interest Expense		 0.62 0.54 0.51 0.53 0.48 0.54 0.56 0.59 0.63 - 0.77
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 24.05% 27.11% 30.54% 33.79% 35.76% 35.57% 35.43% 32.90% 29.81% - 27.06%
Augmented Payout Ratio		 24.05% 27.11% 30.54% 33.79% 35.76% 35.57% 35.43% 32.90% 29.81% - 27.06%

Financials Breakdown Chart

Key Financial Trends

Five Star Bancorp (FSBC) has shown several encouraging trends in the latest four years of quarterly filings, with stronger earnings, higher net interest income, and a growing capital base. Here are the key takeaways based on the provided data.

  • Net income from continuing operations rose to $17.64 million in Q4 2025, up from $13.32 million in Q4 2024 (and higher than prior quarters in 2025), signaling improved profitability.
  • Diluted earnings per share (EPS) reached $0.83 in Q4 2025, up from $0.77 in Q4 2024, indicating stronger per-share profitability.
  • Net interest income increased to $42.07 million in Q4 2025 from $33.49 million in Q4 2024, reflecting higher interest income and favorable rate dynamics.
  • Total revenue rose to $43.47 million in Q4 2025 from $35.16 million in Q4 2024, driven by stronger net interest income and non-interest income.
  • Shareholders’ equity grew, with Total Common Equity rising to about $431.31 million in Q3 2025 from roughly $406.45 million in Q4 2024, indicating a stronger capital base; deposits also climbed to about $4.10 billion in Q3 2025 (versus Q2 2025), strengthening liquidity and funding maturity profile.
  • Operating cash flow from continuing operations remained solid and improving, with Net Cash From Continuing Operating Activities around $20.56 million in Q4 2025 (vs $18.79 million in Q3 2025 and $17.99 million in Q4 2024), suggesting good cash generation capacity.
  • Deposit base continued to grow, supporting liquidity as Total Deposits rose to about $4.10 billion in Q3 2025 (up from about $3.89 billion in the prior quarter), indicating a stable funding base.
  • Dividend per share remained at $0.20 per share, reflecting continuity of payout policy in the period.
  • Provision for credit losses increased to $2.80 million in Q4 2025 from $1.30 million in Q4 2024, a modest uptick in credit provisioning that may reflect portfolio risk monitoring.
  • Net change in cash and equivalents was negative by about $73.6 million in Q4 2025, driven by investing/financing activities, which may warrant watching liquidity outflows in the near term.
05/26/26 07:44 AM ETAI Generated. May Contain Errors.

Five Star Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Five Star Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Five Star Bancorp's net income appears to be on an upward trend, with a most recent value of $61.61 million in 2025, rising from $35.93 million in 2020. The previous period was $45.67 million in 2024. See Five Star Bancorp's forecast for analyst expectations on what's next for the company.

Over the last 5 years, Five Star Bancorp's total revenue changed from $74.51 million in 2020 to $158.44 million in 2025, a change of 112.6%.

Five Star Bancorp's total liabilities were at $4.31 billion at the end of 2025, a 17.8% increase from 2024, and a 136.8% increase since 2020.

In the past 5 years, Five Star Bancorp's cash and equivalents has ranged from $0.00 in 2021 to $46.03 million in 2020, and is currently $33.98 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:FSBC last updated on 5/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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