FSBC · Five Star Bancorp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Revenue | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| R&D | - | - | - | - | - |
| SG&A | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - |
| D&A | $2.25M | $1.88M | $1.61M | $649.0K | $461.0K |
| Operating Income | $83.73M | $64.72M | $66.62M | $62.86M | $37.26M |
| Interest Expense | - | - | $63.50M | $14.85M | $9.18M |
| Income Tax | $22.13M | $19.05M | $18.88M | $18.06M | $1.33M |
| Net Income | $61.61M | $45.67M | $47.73M | $44.80M | $35.93M |
| EPS - Basic | $2.90 | $2.26 | $2.78 | $2.61 | $3.57 |
| EPS - Diluted | $2.90 | $2.26 | $2.78 | $2.61 | $3.57 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | $506.85M | $352.34M | $321.58M | $259.99M | $425.33M |
| Accounts Receivable | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - |
| Current Assets | - | - | - | - | - |
| Total Assets | $4.75B | $4.05B | $3.59B | $3.23B | $2.56B |
| Current Liabilities | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - |
| Total Liabilities | $4.31B | $3.66B | $3.31B | $2.97B | $2.32B |
| Stockholders' Equity | $445.83M | $396.62M | $285.77M | $252.82M | $235.05M |
| Retained Earnings | $150.99M | $106.46M | $77.04M | $46.74M | $17.17M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Operating Cash Flow | $72.61M | $51.79M | $38.91M | $45.98M | $51.48M |
| Investing Cash Flow | ($544.11M) | ($446.74M) | ($279.28M) | ($836.92M) | ($372.63M) |
| Financing Cash Flow | $626.00M | $425.73M | $301.95M | $625.61M | $434.28M |
| CapEx | $1.20M | $628.0K | $653.0K | $481.0K | $833.0K |
| Free Cash Flow | $71.42M | $51.16M | $38.26M | $45.49M | $50.64M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Profitability | |||||
| Gross margin | - | - | - | - | - |
| Operating margin | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - |
| FCF / Net income | 1.16 | 1.12 | 0.80 | 1.02 | 1.41 |
| R&D / Revenue | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - |
| Effective tax rate | 26.4% | 29.4% | 28.3% | 28.7% | 3.6% |
| Return on assets | 1.3% | 1.1% | 1.3% | 1.4% | 1.4% |
| Return on equity | 13.8% | 11.5% | 16.7% | 17.7% | 15.3% |
| Return on invested capital | - | - | - | - | - |
| Liquidity | |||||
| Current ratio | - | - | - | - | - |
| Quick ratio | - | - | - | - | - |
| Cash ratio | - | - | - | - | - |
| Leverage | |||||
| Debt / Equity | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - |
| Interest coverage | - | - | 1.0x | 4.2x | 4.1x |
| Equity multiplier | 10.67 | 10.22 | 12.57 | 12.76 | 10.88 |
| Liabilities / Assets | 0.91 | 0.90 | 0.92 | 0.92 | 0.91 |
| Efficiency | |||||
| Asset turnover | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - |
| Valuation | |||||
| P / E | 12.3x | 13.3x | 9.4x | 10.4x | 8.4x |
| P / B | 1.7x | 1.5x | 1.6x | 1.8x | 1.3x |
| P / S | - | - | - | - | - |
| EV / EBITDA | 3.0x | 3.8x | 1.9x | 3.3x | -3.3x |
| Growth | |||||
| Revenue growth (YoY) | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - |
| Operating income growth (YoY) | 29.4% | -2.8% | 6.0% | 68.7% | - |
| Net income growth (YoY) | 34.9% | -4.3% | 6.5% | 24.7% | - |
| EPS growth (YoY) | 28.3% | -18.7% | 6.5% | -26.9% | - |
| EPS CAGR (3y) | 3.6% | -14.1% | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - |
| FCF growth (YoY) | 39.6% | 33.7% | -15.9% | -10.2% | - |
| FCF CAGR (5y) | - | - | - | - | - |
| Book value growth (YoY) | 12.4% | 38.8% | 13.0% | 7.6% | - |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing FIVE STAR BANCORP against the 5 most active filers in the same SIC group.
Dividends
$0.90/share trailing 12 months · +12.5% YoY
| Ex-date | Per share |
|---|---|
| May 4, 2026 | $0.2500 |
| Feb 2, 2026 | $0.2500 |
| Nov 3, 2025 | $0.2000 |
| Aug 4, 2025 | $0.2000 |
| May 5, 2025 | $0.2000 |
| Feb 3, 2025 | $0.2000 |
| Nov 4, 2024 | $0.2000 |
| Aug 5, 2024 | $0.2000 |
| May 3, 2024 | $0.2000 |
| Feb 2, 2024 | $0.2000 |
| Nov 3, 2023 | $0.2000 |
| Aug 4, 2023 | $0.2000 |
| May 5, 2023 | $0.2000 |
| Feb 3, 2023 | $0.1500 |
| Nov 4, 2022 | $0.1500 |
| Aug 5, 2022 | $0.1500 |
| May 6, 2022 | $0.1500 |
| Feb 4, 2022 | $0.1500 |
| Oct 8, 2021 | $0.1500 |
| Jul 12, 2021 | $0.1500 |