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Five Star Bancorp (FSBC) Financials

Five Star Bancorp logo
$43.13 +0.62 (+1.46%)
Closing price 04:00 PM Eastern
Extended Trading
$43.14 +0.00 (+0.01%)
As of 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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 11 11 11 11 13 13 15 16 18 19 19
Consolidated Net Income / (Loss)		 11 11 11 11 13 13 15 16 18 19 19
Net Income / (Loss) Continuing Operations		 11 11 11 11 13 13 15 16 18 19 19
Total Pre-Tax Income 		15 15 15 15 19 18 20 22 23 25 26
Total Revenue		 29 29 31 32 35 35 38 41 43 45 48
Net Interest Income / (Expense)		 27 27 29 30 33 34 37 39 42 43 46
Total Interest Income		 46 48 49 53 58 57 61 65 66 67 72
Loans and Leases Interest Income		 43 44 46 50 53 53 56 59 61 62 66
Investment Securities Interest Income		 0.65 0.65 0.65 0.62 0.61 0.58 0.58 0.58 0.56 0.54 0.51
Deposits and Money Market Investments Interest Income		 2.10 3.10 1.99 1.66 4.34 3.58 3.99 5.01 4.85 4.69 6.25
Total Interest Expense		 20 21 20 22 24 23 24 25 24 24 26
Deposits Interest Expense		 18 20 19 21 23 22 23 24 23 23 25
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		 1.94 1.83 1.57 1.38 1.67 1.36 1.81 1.97 1.40 1.64 1.87
Service Charges on Deposit Accounts		 0.17 0.19 0.19 0.17 0.18 0.22 0.20 0.19 0.16 0.14 0.12
Other Service Charges		 1.15 0.80 0.45 0.42 0.82 0.53 0.95 1.24 0.68 0.52 1.29
Net Realized & Unrealized Capital Gains on Investments		 0.15 0.37 0.45 0.31 0.15 0.13 0.12 0.00 - 0.00 0.00
Other Non-Interest Income		 0.47 0.47 0.49 0.49 0.51 0.49 0.55 0.54 0.57 0.99 0.46
Provision for Credit Losses		 0.80 0.90 2.00 2.75 1.30 1.90 2.50 2.50 2.80 2.68 2.25
Total Non-Interest Expense		 13 13 14 14 14 15 16 17 18 17 20
Salaries and Employee Benefits		 7.18 7.58 7.80 7.97 8.36 9.13 8.91 9.72 10 11 11
Net Occupancy & Equipment Expense		 1.69 1.78 1.88 1.95 2.02 2.09 2.17 2.26 2.39 2.38 2.58
Marketing Expense		 0.72 0.46 0.62 0.58 0.75 0.52 0.87 0.80 0.99 0.74 0.96
Property & Liability Insurance Claims		 0.37 0.40 0.39 0.41 0.44 0.46 0.47 0.50 0.53 0.55 0.59
Other Operating Expenses		 2.70 2.50 2.82 2.87 2.92 2.84 3.32 3.30 3.63 2.30 4.07
Income Tax Expense		 4.35 4.33 4.37 4.30 6.05 5.28 5.59 5.89 5.37 6.41 6.69
Basic Earnings per Share		 $0.63 $0.62 $0.51 $0.52 $0.61 $0.62 $0.68 $0.77 $0.83 $0.87 $0.91
Weighted Average Basic Shares Outstanding		 17.35M 21.32M 21.32M 21.32M 21.33M 21.36M 21.37M 21.37M 21.38M 21.38M 24.54M
Diluted Earnings per Share		 $0.63 $0.62 $0.51 $0.52 $0.61 $0.62 $0.68 $0.77 $0.83 $0.87 $0.91
Weighted Average Diluted Shares Outstanding		 17.35M 21.32M 21.32M 21.32M 21.33M 21.36M 21.37M 21.37M 21.38M 21.38M 24.54M
Weighted Average Basic & Diluted Shares Outstanding		 17.35M 21.32M 21.32M 21.32M 21.33M 21.36M 21.37M 21.37M 21.38M 21.38M 24.54M

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 -1.97 -136 5.03 60 101 100 31 97 -74 138 41
Net Cash From Operating Activities		 -1.63 0.25 16 18 18 15 18 19 21 19 24
Net Cash From Continuing Operating Activities		 -1.63 0.25 16 18 18 15 18 19 21 19 24
Net Income / (Loss) Continuing Operations		 11 11 11 11 13 13 15 16 18 19 19
Consolidated Net Income / (Loss)		 11 11 11 11 13 13 15 16 18 19 19
Provision For Loan Losses		 0.80 0.90 2.00 2.75 1.30 1.90 2.50 2.50 2.80 2.68 2.25
Depreciation Expense		 0.39 0.47 0.47 0.47 0.47 0.46 0.45 -0.96 2.30 0.56 0.58
Amortization Expense		 0.59 0.16 0.41 -0.00 1.24 0.66 0.85 0.82 0.56 1.04 0.77
Non-Cash Adjustments to Reconcile Net Income		 -2.56 -9.78 3.98 3.09 -1.72 -2.84 5.03 1.46 -10 -1.74 -0.10
Changes in Operating Assets and Liabilities, net		 -12 -2.13 -1.61 0.28 3.39 2.18 -5.54 -1.37 7.73 -2.40 0.95
Net Cash From Investing Activities		 -72 -12 -161 -203 -70 -89 -141 -127 -188 -144 -308
Net Cash From Continuing Investing Activities		 -72 -12 -161 -203 -70 -89 -141 -127 -188 -144 -308
Purchase of Property, Leasehold Improvements and Equipment		 -0.18 -0.11 -0.20 -0.21 -0.11 -0.10 -0.24 -0.22 -0.64 -0.17 -0.44
Purchase of Investment Securities		 211 -2.55 -176 176 -446 -91 1.25 -1.03 -546 -4.36 -3.41
Sale and/or Maturity of Investments		 5.69 2.23 4.67 2.74 2.60 2.13 4.08 4.12 3.39 -0.17 3.90
Other Investing Activities, net		 -288 -11 10 -382 373 0.00 -146 -130 356 -140 -308
Net Cash From Financing Activities		 71 -125 150 246 154 174 154 205 93 263 325
Net Cash From Continuing Financing Activities		 71 -125 150 246 154 174 154 205 93 263 325
Net Change in Deposits		 -5.31 -71 194 250 158 178 158 209 98 268 330
Payment of Dividends		 -3.45 -3.45 -4.26 -4.26 -4.26 -4.27 -4.27 -4.27 -4.27 -5.34 -5.34
Cash Interest Paid		 18 23 19 23 22 23 23 26 26 25 25
Cash Income Taxes Paid		 18 0.14 9.25 2.00 5.50 0.03 13 4.85 6.95 0.18 6.63

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 3,397 3,403 3,505 3,476 3,634 3,887 4,245 4,413 4,642 5,032 5,377
Cash and Due from Banks		 27 29 27 30 29 45 42 54 44 46 46
Interest Bearing Deposits at Other Banks		 321 272 297 156 162 206 410 430 536 598 639
Time Deposits Placed and Other Short-Term Investments		 9.62 7.34 6.97 5.88 4.10 4.12 4.02 0.85 0.10 0.10 0.00
Trading Account Securities		 130 123 117 118 111 110 102 98 98 94 93
Loans and Leases, Net of Allowance		 -34 -34 -34 -35 -35 -38 -39 -40 -42 -46 -47
Allowance for Loan and Lease Losses		 34 34 34 35 35 38 39 40 42 46 47
Premises and Equipment, Net		 1.68 1.60 1.56 1.57 1.61 1.66 1.52 1.61 1.66 2.09 2.33
Other Assets		 2,942 3,005 3,090 3,200 3,362 3,558 3,724 3,869 4,004 4,338 4,644
Total Liabilities & Shareholders' Equity		 3,397 3,403 3,505 3,476 3,634 3,887 4,245 4,413 4,642 5,032 5,377
Total Liabilities		 3,137 3,134 3,231 3,184 3,254 3,497 3,839 3,997 4,210 4,573 4,903
Non-Interest Bearing Deposits		 837 834 833 817 826 907 934 1,004 1,059 1,233 1,174
Interest Bearing Deposits		 2,084 2,096 2,199 2,138 2,324 2,493 2,803 2,891 3,044 3,237 3,625
Accrued Interest Payable		 17 25 30 27 23 16 22 20 23 18 19
Long-Term Debt		 194 174 164 194 74 74 74 74 74 74 74
Other Long-Term Liabilities		 5.43 5.28 5.04 7.32 7.08 7.10 6.59 7.74 10 12 11
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		 261 269 274 293 380 390 406 417 431 459 474
Total Preferred & Common Equity		 261 269 274 293 380 390 406 417 431 459 474
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		 261 269 274 293 380 390 406 417 431 459 474
Common Stock		 220 220 220 221 302 302 303 303 304 304 305
Retained Earnings		 53 62 70 84 91 97 115 126 138 164 178
Accumulated Other Comprehensive Income / (Loss)		 -12 -13 -16 -12 -12 -9.73 -12 -12 -9.88 -10 -9.42

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - 21,329,235.00 21,360,991.00 21,368,053.00 - 21,376,153.00 21,376,153.00
DEI Adjusted Shares Outstanding		 - - - - - 21,329,235.00 21,360,991.00 21,368,053.00 - 21,376,153.00 21,376,153.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - 0.61 0.68 0.76 - 0.87 0.91
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -6.90% -6.36% 0.88% 10.07% 22.86% 23.65% 24.98% 30.05% - 27.63% 25.13%
EBITDA Growth		 -18.19% -18.94% -12.04% -4.00% 30.76% 25.19% 33.51% 37.29% - 36.45% 28.26%
EBIT Growth		 -19.28% -19.13% -11.75% -3.51% 27.83% 22.93% 32.65% 45.88% - 36.10% 29.80%
NOPAT Growth		 -18.69% -19.22% -15.30% -0.94% 23.32% 23.33% 34.56% 49.38% - 42.03% 33.71%
Net Income Growth		 -18.69% -19.22% -15.30% -0.94% 23.32% 23.33% 34.56% 49.38% - 42.03% 33.71%
EPS Growth		 -18.18% -19.48% -31.08% -18.75% -3.17% 0.00% 33.33% 48.08% - 40.32% 33.82%
Operating Cash Flow Growth		 -108.84% -64.41% -35.72% 17.39% 1,201.90% 6,163.97% 11.02% 7.26% - 22.34% 33.09%
Free Cash Flow Firm Growth		 96.58% 88.20% 99.36% -177.12% 178.36% 189.06% -3,061.62% -66.63% - -275.93% -72.41%
Invested Capital Growth		 24.18% 7.06% 2.59% 5.95% -11.14% -1.23% 8.02% 8.95% - 10.87% 11.65%
Revenue Q/Q Growth		 -0.85% -0.13% 7.31% 3.59% 10.67% 0.51% 8.46% 7.80% - 3.76% 6.33%
EBITDA Q/Q Growth		 -1.47% -1.54% 2.79% -1.97% 34.21% -7.43% 9.62% 3.29% - 2.95% 3.05%
EBIT Q/Q Growth		 -4.08% -1.25% 1.28% 0.59% 27.07% -5.04% 9.29% 10.62% - 8.79% 4.23%
NOPAT Q/Q Growth		 -2.23% -1.56% 1.42% 1.47% 21.72% -1.55% 10.66% 12.66% - 5.54% 4.18%
Net Income Q/Q Growth		 -2.23% -1.56% 1.42% 1.47% 21.72% -1.55% 10.66% 12.66% - 5.54% 4.18%
EPS Q/Q Growth		 -1.56% -1.59% -17.74% 1.96% 17.31% 1.64% 9.68% 13.24% - 4.82% 4.60%
Operating Cash Flow Q/Q Growth		 -110.94% 115.13% 6,387.45% 9.34% 2.70% -14.02% 14.98% 5.64% - -7.92% 25.08%
Free Cash Flow Firm Q/Q Growth		 -571.03% 76.77% 96.77% -2,080.52% 578.60% -73.60% -214.75% -14.92% - -5.93% -12.46%
Invested Capital Q/Q Growth		 20.97% -8.15% -6.59% 2.09% 1.45% 2.10% 2.15% 2.98% - 2.45% 2.87%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 56.34% 54.55% 52.25% 49.45% 59.97% 55.22% 55.82% 53.48% - 59.04% 57.22%
EBIT Margin		 52.95% 52.35% 49.41% 47.98% 55.09% 52.05% 52.44% 53.82% - 55.50% 54.40%
Profit (Net Income) Margin		 37.74% 37.20% 35.16% 34.44% 37.88% 37.10% 37.86% 39.56% - 41.29% 40.45%
Tax Burden Percent		 71.28% 71.06% 71.16% 71.79% 68.76% 71.29% 72.18% 73.51% - 74.39% 74.36%
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		 28.72% 28.94% 28.84% 28.21% 31.24% 28.71% 27.82% 26.49% - 25.61% 25.64%
Return on Invested Capital (ROIC)		 9.35% 9.21% 9.15% 9.14% 9.56% 10.20% 11.26% 12.26% - 13.71% 13.85%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.35% 9.21% 9.15% 9.14% 9.56% 10.20% 11.26% 12.26% - 13.71% 13.85%
Return on Net Nonoperating Assets (RNNOA)		 7.24% 6.45% 3.49% 3.27% 4.45% 3.91% 2.09% 2.21% - 2.35% 2.30%
Return on Equity (ROE)		 16.59% 15.66% 12.63% 12.41% 14.01% 14.11% 13.35% 14.46% - 16.06% 16.16%
Cash Return on Invested Capital (CROIC)		 -11.58% 2.79% 7.09% 3.79% 20.93% 11.20% 3.27% 3.25% - 2.94% 2.86%
Operating Return on Assets (OROA)		 1.84% 1.77% 1.64% 1.55% 1.82% 1.79% 1.83% 1.89% - 2.01% 1.98%
Return on Assets (ROA)		 1.31% 1.26% 1.17% 1.11% 1.25% 1.28% 1.32% 1.39% - 1.50% 1.47%
Return on Common Equity (ROCE)		 16.59% 15.66% 12.63% 12.41% 14.01% 14.11% 13.35% 14.46% - 16.06% 16.16%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 15.45% 11.37% 11.07% 0.00% 11.85% 12.45% 13.28% - 14.64% 15.20%
Net Operating Profit after Tax (NOPAT)		 11 11 11 11 13 13 15 16 - 19 19
NOPAT Margin		 37.74% 37.20% 35.16% 34.44% 37.88% 37.10% 37.86% 39.56% - 41.29% 40.45%
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		 33.52% 34.36% 33.59% 33.07% 31.66% 33.25% 31.15% 30.93% - 32.27% 31.20%
Operating Expenses to Revenue		 44.25% 44.50% 44.07% 43.37% 41.21% 42.58% 41.03% 40.13% - 38.57% 40.91%
Earnings before Interest and Taxes (EBIT)		 15 15 15 15 19 18 20 22 - 25 26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 16 16 16 16 21 20 21 22 - 27 27
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.52 1.31 1.32 1.61 1.61 1.45 1.45 1.59 - 1.75 2.19
Price to Tangible Book Value (P/TBV)		 1.52 1.31 1.32 1.61 1.61 1.45 1.45 1.59 - 1.75 2.19
Price to Revenue (P/Rev)		 3.67 3.28 4.29 5.26 5.05 4.43 4.31 4.56 - 4.76 5.82
Price to Earnings (P/E)		 9.11 8.45 11.57 14.59 13.95 12.23 11.67 11.94 - 11.94 14.38
Dividend Yield		 2.98% 3.61% 3.41% 2.71% 2.68% 2.90% 2.82% 2.50% - 2.27% 1.86%
Earnings Yield		 10.98% 11.84% 8.64% 6.85% 7.17% 8.18% 8.57% 8.37% - 8.37% 6.96%
Enterprise Value to Invested Capital (EV/IC)		 0.66 0.79 0.84 0.97 0.75 0.43 0.40 0.35 - 0.43 0.77
Enterprise Value to Revenue (EV/Rev)		 2.97 3.30 3.25 3.75 2.81 1.55 1.39 1.18 - 1.37 2.39
Enterprise Value to EBITDA (EV/EBITDA)		 5.02 5.83 5.95 7.10 5.19 2.85 2.51 2.12 - 2.41 4.16
Enterprise Value to EBIT (EV/EBIT)		 5.27 6.10 6.22 7.41 5.48 3.02 2.67 2.22 - 2.56 4.40
Enterprise Value to NOPAT (EV/NOPAT)		 7.36 8.51 8.78 10.39 7.77 4.28 3.76 3.10 - 3.44 5.89
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.03 10.00 12.85 13.95 6.85 3.08 2.83 2.54 - 3.04 5.18
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 29.28 11.95 26.23 3.39 3.81 12.60 11.27 - 15.50 28.61
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.85 0.66 0.19 0.19 0.19 0.18 0.18 0.17 - 0.16 0.16
Long-Term Debt to Equity		 0.85 0.66 0.19 0.19 0.19 0.18 0.18 0.17 - 0.16 0.16
Financial Leverage		 0.77 0.70 0.38 0.36 0.47 0.38 0.19 0.18 - 0.17 0.17
Leverage Ratio		 12.66 12.42 10.83 11.13 11.21 11.05 10.09 10.39 - 10.73 10.99
Compound Leverage Factor		 12.66 12.42 10.83 11.13 11.21 11.05 10.09 10.39 - 10.73 10.99
Debt to Total Capital		 46.03% 39.84% 16.25% 15.93% 15.71% 15.39% 15.07% 14.65% - 13.91% 13.53%
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		 46.03% 39.84% 16.25% 15.93% 15.71% 15.39% 15.07% 14.65% - 13.91% 13.53%
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		 53.97% 60.16% 83.75% 84.07% 84.30% 84.61% 84.93% 85.35% - 86.09% 86.47%
Debt to EBITDA		 3.49 2.94 1.16 1.17 1.08 1.02 0.95 0.88 - 0.77 0.73
Net Debt to EBITDA		 -1.20 0.04 -1.89 -2.87 -4.13 -5.29 -5.29 -6.05 - -5.94 -5.99
Long-Term Debt to EBITDA		 3.49 2.94 1.16 1.17 1.08 1.02 0.95 0.88 - 0.77 0.73
Debt to NOPAT		 5.11 4.29 1.71 1.71 1.62 1.54 1.43 1.29 - 1.10 1.03
Net Debt to NOPAT		 -1.75 0.06 -2.79 -4.20 -6.19 -7.95 -7.92 -8.84 - -8.50 -8.48
Long-Term Debt to NOPAT		 5.11 4.29 1.71 1.71 1.62 1.54 1.43 1.29 - 1.10 1.03
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)		 -92 -21 -0.69 -15 72 19 -22 -25 - -34 -38
Operating Cash Flow to CapEx		 -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% 5,368.93%
Free Cash Flow to Firm to Interest Expense		 -4.73 -1.03 -0.03 -0.68 2.98 0.83 -0.91 -0.99 - -1.41 -1.44
Operating Cash Flow to Interest Expense		 -0.08 0.01 0.81 0.79 0.74 0.67 0.74 0.74 - 0.79 0.90
Operating Cash Flow Less CapEx to Interest Expense		 -0.09 0.01 0.79 0.78 0.74 0.67 0.73 0.73 - 0.79 0.89
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04 - 0.04 0.04
Fixed Asset Turnover		 73.35 71.75 72.74 74.28 78.68 85.95 87.43 90.63 - 93.08 90.29
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 530 486 454 464 471 480 491 505 - 533 548
Invested Capital Turnover		 0.25 0.25 0.26 0.27 0.25 0.28 0.30 0.31 - 0.33 0.34
Increase / (Decrease) in Invested Capital		 103 32 11 26 -59 -5.98 36 42 - 52 57
Enterprise Value (EV)		 351 385 380 449 355 206 195 178 - 231 424
Market Capitalization		 435 382 500 630 637 589 606 684 - 801 1,035
Book Value per Share		 $16.56 $13.72 $17.85 $18.29 $18.60 $19.06 $19.51 $20.18 - $21.45 $22.16
Tangible Book Value per Share		 $16.56 $13.72 $17.85 $18.29 $18.60 $19.06 $19.51 $20.18 - $21.45 $22.16
Total Capital		 530 486 454 464 471 480 491 505 - 533 548
Total Debt		 244 194 74 74 74 74 74 74 - 74 74
Total Long-Term Debt		 244 194 74 74 74 74 74 74 - 74 74
Net Debt		 -84 2.58 -121 -181 -283 -383 -411 -507 - -570 -611
Capital Expenditures (CapEx)		 0.18 0.11 0.20 0.21 0.11 0.10 0.24 0.22 - 0.17 0.44
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)		 244 194 74 74 74 74 74 74 - 74 74
Total Depreciation and Amortization (D&A)		 0.97 0.63 0.87 0.47 1.71 1.12 1.29 -0.14 - 1.60 1.35
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.63 $0.62 $0.51 $0.52 $0.61 $0.62 $0.68 $0.77 $0.83 $0.87 $0.91
Adjusted Weighted Average Basic Shares Outstanding		 17.35M 21.32M 21.32M 21.32M 21.33M 21.36M 21.37M 21.37M 21.38M 21.38M 24.54M
Adjusted Diluted Earnings per Share		 $0.63 $0.62 $0.51 $0.52 $0.61 $0.62 $0.68 $0.77 $0.83 $0.87 $0.91
Adjusted Weighted Average Diluted Shares Outstanding		 17.35M 21.32M 21.32M 21.32M 21.33M 21.36M 21.37M 21.37M 21.38M 21.38M 24.54M
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		 17.35M 21.32M 21.32M 21.32M 21.33M 21.36M 21.37M 21.37M 21.38M 21.38M 24.54M
Normalized Net Operating Profit after Tax (NOPAT)		 11 11 11 11 13 13 15 16 - 19 19
Normalized NOPAT Margin		 37.74% 37.20% 35.16% 34.44% 37.88% 37.10% 37.86% 39.56% - 41.29% 40.45%
Pre Tax Income Margin		 52.95% 52.35% 49.41% 47.98% 55.09% 52.05% 52.44% 53.82% - 55.50% 54.40%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.78 0.72 0.76 0.68 0.80 0.80 0.84 0.87 - 1.05 0.99
NOPAT to Interest Expense		 0.55 0.51 0.54 0.49 0.55 0.57 0.60 0.64 - 0.78 0.74
EBIT Less CapEx to Interest Expense		 0.77 0.71 0.75 0.67 0.79 0.79 0.83 0.86 - 1.04 0.98
NOPAT Less CapEx to Interest Expense		 0.54 0.51 0.53 0.48 0.54 0.56 0.59 0.63 - 0.77 0.72
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 27.11% 30.54% 33.79% 35.76% 35.57% 35.43% 32.90% 29.81% - 27.06% 26.71%
Augmented Payout Ratio		 27.11% 30.54% 33.79% 35.76% 35.57% 35.43% 32.90% 29.81% - 27.06% 26.71%

Financials Breakdown Chart

Key Financial Trends

Five Star Bancorp’s Q2 2026 results show continued earnings and balance-sheet growth, although rapid deposit expansion and unusually large investing cash outflows warrant monitoring. Net income rose to $19.4 million from $14.5 million in Q2 2025, while diluted EPS increased to $0.91 from $0.68. Compared with Q1 2026, net income increased 4.2% and EPS rose from $0.87.

  • Net interest income continues to expand. Q2 net interest income reached $46.1 million, up 26.2% year over year and 6.1% sequentially. Total interest income grew faster than deposit interest expense, supporting improved earnings power.
  • Revenue growth remains strong. Total revenue increased to $48.0 million from $38.3 million in Q2 2025, a 25.1% gain. Loan interest income rose 17.1% year over year to $65.6 million.
  • Profitability has improved steadily over the reported period. Quarterly net income increased from $10.8 million in Q2 2024 to $14.5 million in Q2 2025 and $19.4 million in Q2 2026. Diluted EPS also advanced from $0.51 to $0.68 and then $0.91 over the same periods.
  • Operating cash flow is strengthening. Net cash from operating activities reached $23.7 million in Q2 2026, up from $17.8 million a year earlier and $15.5 million in Q2 2024. This indicates that reported earnings are being accompanied by solid operating cash generation.
  • Deposits and total assets are growing rapidly. Deposits reached approximately $4.80 billion at June 30, 2026, up 23.1% from Q2 2025. Total assets increased 21.8% year over year to $5.38 billion, providing a larger funding base for future growth.
  • Capital and retained earnings are rising. Total common equity increased to $473.8 million from $416.7 million a year earlier. Retained earnings rose to $178.3 million, while accumulated other comprehensive losses narrowed to $9.4 million from $12.0 million.
  • Credit-loss provisions declined modestly. The Q2 provision for credit losses was $2.25 million, down from $2.50 million in Q2 2025 and $2.675 million in Q1 2026, providing some support to pretax earnings.
  • Liquidity increased, but the use of cash changed materially. Q2 2026 ended with a $40.7 million increase in cash and equivalents. However, the result depended heavily on $330.0 million of deposit growth and $324.7 million of financing cash inflows, rather than operating cash flow alone.
  • Investing cash outflows were unusually large. Net cash used in investing activities reached $307.6 million in Q2 2026, more than double the $140.5 million outflow in Q2 2025. The largest component was a $307.7 million outflow classified as “other investing activities,” which is not explained in the standardized data and deserves investor attention.
  • Expenses and the share count are rising. Non-interest expense increased 12.8% sequentially to $19.6 million, led by higher other operating, occupancy and marketing costs. In addition, weighted average shares rose to 24.5 million from 21.4 million in Q1 2026, creating potential dilution even though EPS continued to improve.

Overall, FSBC’s financial trend is favorable: earnings, net interest income, operating cash flow, deposits, assets and equity have all expanded over the available multi-year period. Investors should balance that growth against rising operating costs, a higher loan-loss allowance of $47.3 million, and the company’s increasing reliance on deposit inflows and financing activity to fund substantial investing outflows.

10/15/26 05:48 PM 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 fiscal year ends in December. Their fiscal 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 where experts think Five Star Bancorp is headed by visiting Five Star Bancorp's forecast page.

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%.

In the past 13 quarters, Five Star Bancorp's cash and equivalents has ranged from $26.56 million in Q1 2023 to $53.72 million in Q2 2025, and is currently $45.97 million as of their latest financial filing in Q2 2026.


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Financial statements for NASDAQ:FSBC last updated on 8/6/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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