NASDAQ : FSBC
Five Star Bancorp — Financial statements
Financials · Banks - Regional · United States
Last price 44.92 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 1.10B
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 267.87M | 229.21M | 193.34M | 162.71M | 111.80M | 78.89M |
| Interest Income on Investments | 17.40M | 19.72M | 13.61M | 11.67M | 6.12M | 2.69M |
| Total Interest Income | 285.27M | 248.93M | 206.95M | 174.38M | 117.92M | 81.58M |
| Interest Paid on Deposits | 99.25M | 92.38M | 82.40M | 57.86M | 10.92M | 2.20M |
| Interest Paid on Borrowings | 3.48M | 4.65M | 4.84M | 5.64M | 3.92M | 1.77M |
| Total Interest Expense | 102.74M | 97.03M | 87.24M | 63.50M | 14.85M | 3.97M |
| Net Interest Income | 182.53M | 151.91M | 119.71M | 110.88M | 103.07M | 77.61M |
| Gain (Loss) on Sale of Investments | -167.00K | 5.00K | 724.00K | |||
| Other Non-Interest Income | 6.04M | 5.54M | 4.46M | 5.15M | 3.75M | 2.05M |
| Total Non-Interest Income | 6.61M | 6.54M | 6.45M | 7.51M | 7.16M | 7.28M |
| Revenues Before Loan Losses | 189.14M | 158.44M | 126.16M | 118.39M | 110.23M | 84.89M |
| Provision for Loan Losses | 10.22M | 9.70M | 6.95M | 4.00M | 6.70M | 1.70M |
| Revenue | 178.91M | 148.74M | 119.21M | 114.39M | 103.53M | 83.19M |
| Salaries and Employee Benefits | 44.00M | 36.43M | 30.55M | 26.14M | 21.47M | 18.39M |
| Occupancy Expenses | 1.70M | 1.05M | 938.00K | 957.00K | 930.00K | 1.80M |
| Federal Deposit Insurance | 2.33M | 1.95M | 1.64M | 1.56M | 850.00K | 700.00K |
| Selling, General & Administrative | 17.30M | 16.21M | 13.34M | 11.22M | 9.69M | 9.17M |
| Other Non-Interest Expense | 9.94M | 9.37M | 8.03M | 7.91M | 7.72M | 5.99M |
| Total Non-Interest Expense | 75.26M | 65.01M | 54.49M | 47.77M | 40.67M | 36.04M |
| EBT Excluding Unusual Items | 103.66M | 83.73M | 64.72M | 66.62M | 62.86M | 47.15M |
| Pretax Income | 103.66M | 83.73M | 64.72M | 66.62M | 62.86M | 47.15M |
| Income Tax Expense | 26.09M | 22.13M | 19.05M | 18.88M | 18.06M | 4.71M |
| Net Income | 77.57M | 61.61M | 45.67M | 47.73M | 44.80M | 42.44M |
| Net Income to Common | 77.57M | 61.61M | 45.67M | 47.73M | 44.80M | 42.44M |
| Basic Shares Outstanding | 21.84M | 21.22M | 20.15M | 17.17M | 17.13M | 14.97M |
| Diluted Shares Outstanding | 21.91M | 21.27M | 20.21M | 17.19M | 17.17M | 15.00M |
| EPS (Basic) | 3.55 | 2.90 | 2.27 | 2.78 | 2.62 | 2.83 |
| EPS (Diluted) | 3.53 | 2.90 | 2.26 | 2.78 | 2.61 | 2.83 |
| Dividend Per Share | 1.00 | 0.85 | 0.80 | 0.80 | 0.60 | 0.45 |
| Effective Tax Rate | 25.16% | 26.42% | 29.43% | 28.34% | 28.73% | 9.98% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 679.48M | 506.85M | 352.34M | 321.58M | 259.99M | 425.33M |
| Investment Securities | 84.16M | 60.68M | 63.51M | 66.51M | 73.61M | 91.91M |
| Trading Asset Securities | 10.00K | 16.00K | 92.00K | |||
| Mortgage-Backed Securities | 48.42M | 50.85M | 57.30M | 61.67M | 82.05M | |
| Total Investments | 84.16M | 109.10M | 114.36M | 123.83M | 135.29M | 174.05M |
| Gross Loans | 4.71B | 4.08B | 3.54B | 3.08B | 2.79B | 1.96B |
| Allowance for Loan Losses | -49.39M | -44.41M | -37.79M | -34.43M | -28.39M | -23.24M |
| Other Adjustments to Gross Loans | -2.18M | -2.09M | -1.92M | -2.26M | -22.12M | |
| Net Loans | 4.65B | 4.03B | 3.50B | 3.05B | 2.76B | 1.91B |
| Property, Plant & Equipment | 13.35M | 12.91M | 7.83M | 6.91M | 5.59M | 1.77M |
| Loans Held for Sale | 11.46M | 9.42M | 10.67M | |||
| Accrued Interest Receivable | 83.78M | 11.90M | 10.29M | 8.97M | 7.45M | 5.33M |
| Other Receivables | 22.48M | 14.08M | 13.61M | |||
| Other Long-Term Assets | 29.03M | 46.10M | 41.23M | 44.48M | 35.60M | 21.67M |
| Total Assets | 5.56B | 4.75B | 4.05B | 3.59B | 3.23B | 2.56B |
| Interest Bearing Deposits | 3.61B | 2.77B | 2.29B | 1.85B | 1.61B | 1.31B |
| Institutional Deposits | 350.03M | 344.13M | 344.69M | 198.16M | 77.87M | |
| Non-Interest Bearing Deposits | 1.21B | 1.08B | 922.63M | 831.10M | 971.25M | 902.12M |
| Total Deposits | 4.82B | 4.20B | 3.56B | 3.03B | 2.78B | 2.29B |
| Short-Term Borrowings | 170.01M | 100.02M | 92.00K | |||
| Current Portion of Leases | 2.00M | |||||
| Accrued Interest Payable | 31.80M | 21.34M | 17.16M | 29.85M | 14.34M | 23.00K |
| Long-Term Debt | 74.15M | 74.04M | 73.89M | 73.75M | 73.61M | 28.39M |
| Long-Term Leases | 11.93M | 9.88M | 6.86M | 5.60M | 4.24M | |
| Other Long-Term Liabilities | 697.00K | 747.00K | 1.25M | 125.00K | 7.32M | |
| Total Liabilities | 4.94B | 4.31B | 3.66B | 3.31B | 2.97B | 2.32B |
| Common Stock | 435.51M | 303.99M | 302.53M | 220.50M | 219.54M | 218.44M |
| Retained Earnings | 194.09M | 150.99M | 106.46M | 77.04M | 46.74M | 17.17M |
| Comprehensive Income & Other | -12.39M | -9.14M | -12.37M | -11.77M | -13.45M | -566.00K |
| Shareholders' Equity | 617.21M | 445.83M | 396.62M | 285.77M | 252.82M | 235.05M |
| Total Liabilities & Equity | 5.56B | 4.75B | 4.05B | 3.59B | 3.23B | 2.56B |
| Total Debt | 86.08M | 85.91M | 80.75M | 249.36M | 177.87M | 28.48M |
| Net Cash (Debt) | 593.41M | 421.04M | 275.71M | 78.08M | 91.99M | 411.41M |
| Net Cash Per Share | 27.08 | 19.79 | 13.65 | 4.54 | 5.36 | 27.44 |
| Filing Date Shares Outstanding | 24.54M | 21.38M | 21.33M | 17.35M | 17.26M | 17.25M |
| Total Common Shares Outstanding | 24.54M | 21.37M | 21.32M | 17.26M | 17.24M | 17.22M |
| Book Value Per Share | 25.15 | 20.87 | 18.60 | 16.56 | 14.66 | 13.65 |
| Tangible Book Value | 617.21M | 445.83M | 396.62M | 285.77M | 252.82M | 235.05M |
| Tangible Book Value Per Share | 25.15 | 20.87 | 18.60 | 16.56 | 14.66 | 13.65 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 61.61M | 45.67M | 47.73M | 44.80M | 42.44M | |
| Depreciation & Amortization | 2.25M | 1.88M | 1.61M | 1.64M | 607.00K | |
| Other Amortization | 146.00K | 146.00K | 144.00K | 424.00K | 66.00K | |
| Gain (Loss) on Sale of Investments | -21.00K | 398.00K | -364.00K | 1.26M | 837.00K | |
| Provision for Credit Losses | 11.47M | 8.00M | 4.29M | 6.70M | 1.70M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 2.15M | -1.97M | -9.51M | -6.48M | -5.14M | |
| Accrued Interest Receivable | -3.38M | 2.54M | -3.71M | -5.10M | -3.05M | |
| Other Operating Activities | -8.92M | -2.14M | -2.19M | -2.80M | -5.93M | |
| Operating Cash Flow | 72.61M | 51.79M | 38.91M | 45.98M | 28.66M | |
| Capital Expenditures | -1.20M | -628.00K | -653.00K | -481.00K | -717.00K | |
| Investment in Securities | 10.46M | 8.33M | 14.14M | 19.12M | -24.62M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -549.75M | -452.89M | -286.65M | -848.28M | -426.88M | |
| Other Investing Activities | -3.71M | -1.55M | -6.11M | -7.28M | -2.79M | |
| Investing Cash Flow | -544.11M | -446.74M | -279.28M | -836.92M | -455.01M | |
| Short-Term Debt Issued | 70.00M | 100.00M | ||||
| Long-Term Debt Issued | 75.00M | |||||
| Total Debt Issued | 70.00M | 175.00M | ||||
| Short-Term Debt Repaid | -170.00M | |||||
| Long-Term Debt Repaid | -28.75M | |||||
| Total Debt Repaid | -170.00M | -28.75M | ||||
| Net Debt Issued (Repaid) | -170.00M | 70.00M | 146.25M | |||
| Issuance of Common Stock | 80.87M | 111.24M | ||||
| Common Dividends Paid | -17.09M | -16.24M | -12.94M | -15.30M | -51.94M | |
| Net Increase (Decrease) in Deposit Accounts | 643.09M | 531.10M | 244.89M | 496.11M | 501.89M | |
| Other Financing Activities | -1.45M | |||||
| Financing Cash Flow | 626.00M | 425.73M | 301.95M | 625.61M | 561.19M | |
| Net Cash Flow | 154.51M | 30.77M | 61.59M | -165.34M | 134.84M | |
| Free Cash Flow | 71.42M | 51.16M | 38.26M | 45.49M | 27.94M | |
| Free Cash Flow Margin | 48.01% | 42.91% | 33.45% | 43.94% | 33.59% | |
| Free Cash Flow Per Share | 3.36 | 2.53 | 2.23 | 2.65 | 1.86 | |
| Cash Interest Paid | 97.58M | 87.11M | 61.85M | 1.34M | 4.50M | |
| Cash Income Tax Paid | 24.96M | 16.88M | 19.97M | 5.20M | 10.45M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.10B | 764.53M | 641.49M | 451.79M | 469.77M | 516.71M |
| Last Close Price | 44.92 | 35.15 | 28.80 | 24.28 | 24.42 | 26.30 |
| PE Ratio | 12.71 | 12.41 | 14.05 | 9.46 | 10.49 | 12.18 |
| PS Ratio | 6.16 | 5.14 | 5.38 | 3.95 | 4.54 | 6.21 |
| PB Ratio | 1.79 | 1.72 | 1.62 | 1.58 | 1.86 | 2.20 |
| P/FCF Ratio | 13.69 | 10.71 | 12.54 | 11.81 | 10.33 | 18.49 |
| P/OCF Ratio | 13.45 | 10.53 | 12.39 | 11.61 | 10.22 | 18.03 |
| Debt / Equity Ratio | 0.14 | 0.19 | 0.20 | 0.87 | 0.70 | 0.12 |
| Debt / FCF Ratio | 1.20 | 1.58 | 6.52 | 3.91 | 1.02 | |
| Net Debt / Equity Ratio | -0.96 | -0.94 | -0.69 | -0.27 | -0.36 | -1.75 |
| Net Debt / FCF Ratio | -5.90 | -5.39 | -2.04 | -2.02 | -14.72 | |
| Return on Equity (ROE) | 14.80% | 14.62% | 13.38% | 17.72% | 18.37% | 23.01% |
| Return on Assets (ROA) | 1.52% | 1.40% | 1.20% | 1.40% | 1.55% | 1.88% |
| Earnings Yield | 7.87% | 8.06% | 7.12% | 10.57% | 9.54% | 8.21% |
| FCF Yield | 7.30% | 9.34% | 7.98% | 8.47% | 9.68% | 5.41% |
| Dividend Yield | 2.23% | 2.38% | 2.66% | 3.06% | 2.20% | 1.50% |
| Payout Ratio | 28.30% | 27.73% | 35.57% | 27.12% | 34.15% | 122.39% |
| Buyback Yield / Dilution | -3.06% | -5.29% | -17.56% | -0.13% | -14.47% | -49.01% |
| Total Shareholder Return | -0.83% | -2.91% | -14.90% | 2.93% | -12.27% | -47.51% |