FSBC

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Five Star Bancorp

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Key Metrics

Previous Close: $45.18
52-Week Range: $30.45 – $50.26
Market Cap: $1.11B
P/E (TTM): 13.33
EPS (TTM): 3.38
Dividend Yield: 2.21%

Advanced Metrics

Price/Book: 2.03
PEG Ratio: —
Return on Equity: 16.17%
Return on Assets: 1.47%
Gross Margin: 0.00%
Operating Margin: 58.36%
Profit Margin: 42.96%
Current Ratio: —
Debt/Equity: —
Total Debt: $85.38M
Free Cash Flow: —
Revenue Growth: 27.60%
Earnings Growth: 33.80%
Enterprise Value: $508.87M

FSBC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$108.94M	$117.20M	$124.96M	$157.02M
Selling, General & Admin	$25.33M	$31.06M	$35.76M	$43.01M
Pretax Income	$62.86M	$66.62M	$64.72M	$83.73M
Income Tax	$18.06M	$18.88M	$19.05M	$22.13M
Net Income	$44.80M	$47.73M	$45.67M	$61.61M
Diluted EPS	2.61	2.78	2.26	2.90
Diluted Shares	17.17M	17.19M	20.21M	21.27M

FSBC Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$269.84M	$327.43M	$356.46M	$506.95M
Receivables	$7.45M	$22.58M	$24.37M	$34.38M
Total Assets	$3.23B	$3.59B	$4.05B	$4.75B
Long-Term Debt	$173.61M	$243.75M	$73.89M	$74.04M
Total Debt	$177.85M	$249.35M	$80.75M	$85.91M
Total Liabilities	$2.97B	$3.31B	$3.66B	$4.31B
Retained Earnings	$46.74M	$77.04M	$106.46M	$150.99M
Shareholders' Equity	$252.82M	$285.77M	$396.62M	$445.83M

FSBC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$45.98M	$38.91M	$51.79M	$72.61M
Capital Expenditure	-$481.00K	-$653.00K	-$628.00K	-$1.20M
Free Cash Flow	$45.49M	$38.26M	$51.16M	$71.42M
Depreciation & Amortisation	$1.64M	$1.61M	$1.88M	$2.25M
Stock-Based Compensation	$1.10M	$962.00K	$1.16M	$1.46M
Investing Cash Flow	-$836.92M	-$279.28M	-$446.74M	-$544.11M
Financing Cash Flow	$625.61M	$301.95M	$425.73M	$626.00M
Dividends Paid	-$15.30M	-$12.94M	-$16.24M	-$17.09M
Net Change in Cash	-$165.34M	$61.59M	$30.77M	$154.51M

FSBC Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$35.02M	$37.90M	$41.00M	$43.10M	$44.85M
Selling, General & Admin	$10.11M	$10.24M	$11.02M	$11.64M	$12.72M
Pretax Income	$18.39M	$20.10M	$22.23M	$23.01M	$25.03M
Income Tax	$5.28M	$5.59M	$5.89M	$5.37M	$6.41M
Net Income	$13.11M	$14.51M	$16.34M	$17.64M	$18.62M
Diluted EPS	0.62	0.68	0.77	0.83	0.87
Diluted Shares	21.25M	21.27M	21.28M	21.29M	21.31M

FSBC Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$456.60M	$484.66M	$580.55M	$506.95M	$644.46M
Receivables	—	—	—	$34.38M	—
Total Assets	$4.25B	$4.41B	$4.64B	$4.75B	$5.03B
Long-Term Debt	$73.93M	$73.97M	$74.00M	$74.04M	$74.08M
Total Debt	$80.52M	$81.71M	$84.44M	$85.91M	$85.62M
Total Liabilities	$3.84B	$4.00B	$4.21B	$4.31B	$4.57B
Retained Earnings	$115.31M	$125.55M	$137.62M	$150.99M	$164.26M
Shareholders' Equity	$406.45M	$416.74M	$431.31M	$445.83M	$458.52M

FSBC Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$15.47M	$17.79M	$18.79M	$20.56M	$18.93M
Capital Expenditure	-$100.00K	-$244.00K	-$215.00K	-$638.00K	-$168.00K
Free Cash Flow	$15.37M	$17.55M	$18.58M	$19.92M	$18.76M
Depreciation & Amortisation	$461.00K	$445.00K	-$956.00K	$2.30M	$561.00K
Stock-Based Compensation	$257.00K	$367.00K	$416.00K	$419.00K	$382.00K
Investing Cash Flow	-$89.34M	-$140.55M	-$126.70M	-$187.53M	-$144.35M
Financing Cash Flow	$174.09M	$154.00M	$204.54M	$93.37M	$262.93M
Dividends Paid	-$4.27M	-$4.27M	-$4.27M	-$4.27M	-$5.34M
Net Change in Cash	$100.23M	$31.24M	$96.64M	-$73.60M	$137.51M

Market Snapshot

About

Five Star Bancorp is a bank holding company headquartered in Rancho Cordova, California, operating through its subsidiary Five Star Bank in Northern California. The company provides commercial banking services focused on small to medium-sized businesses, with particular expertise in serving entrepreneurs, professionals, and real estate investors in the Sacramento region and surrounding communities. Five Star offers commercial loans, SBA lending, construction financing, deposit products, and cash management services. The bank emphasizes relationship banking and responsive local decision-making as a community-focused alternative to larger regional banks.