FIVE STAR BANCORP Financials

FSBC

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Financial Profile 57/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

FIVE STAR BANCORP's revenue surged 18.7% year-over-year to $207.0M, reflecting rapid business expansion. This strong growth earns a score of 82/100.

Leverage

FIVE STAR BANCORP has elevated debt relative to equity (D/E of 9.22), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

FIVE STAR BANCORP converts 24.7% of revenue into free cash flow ($51.2M). This strong cash generation earns a score of 100/100.

Returns

FIVE STAR BANCORP's ROE of 11.5% shows moderate profitability relative to equity, earning a score of 46/100. This is down from 16.7% the prior year.

Piotroski F-Score Neutral

4/9

FIVE STAR BANCORP passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.13x

For every $1 of reported earnings, FIVE STAR BANCORP generates $1.13 in operating cash flow ($51.8M OCF vs $45.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows FIVE STAR BANCORP (FSBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$207.0M

YoY+18.7%

FIVE STAR BANCORP generated $207.0M in revenue in fiscal year 2024. This represents an increase of 18.7% from the prior year.

EBITDA

N/A

Free Cash Flow

$51.2M

YoY+33.7%

FIVE STAR BANCORP generated $51.2M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 33.7% from the prior year.

Net Income

$45.7M

YoY-4.3%

FIVE STAR BANCORP reported $45.7M in net income in fiscal year 2024. This represents a decrease of 4.3% from the prior year.

EPS (Diluted)

$2.26

YoY-18.7%

FIVE STAR BANCORP earned $2.26 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 18.7% from the prior year.

Cash & Debt

$352.3M

YoY+9.6%

FIVE STAR BANCORP held $352.3M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.80

YoY+6.7%

FIVE STAR BANCORP paid $0.80 per share in dividends in fiscal year 2024. This represents an increase of 6.7% from the prior year.

Shares Outstanding

21M

YoY+23.5%

FIVE STAR BANCORP had 21M shares outstanding in fiscal year 2024. This represents an increase of 23.5% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

22.1%

YoY-5.3pp

FIVE STAR BANCORP's net profit margin was 22.1% in fiscal year 2024, showing the share of revenue converted to profit. This is down 5.3 percentage points from the prior year.

Return on Equity

11.5%

YoY-5.2pp

FIVE STAR BANCORP's ROE was 11.5% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 5.2 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$628K

YoY-3.8%

FIVE STAR BANCORP invested $628K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 3.8% from the prior year.

FSBC Income Statement

Metric	FY24	FY23	FY22	FY21	FY20
Revenue	$207.0M+18.7%	$174.4M+47.9%	$117.9M+44.5%	$81.6M+9.7%	$74.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	$87.2M+37.4%	$63.5M+327.7%	$14.8M+273.8%	$4.0M-56.7%	$9.2M
Income Tax	$19.1M+0.9%	$18.9M+4.6%	$18.1M+283.6%	$4.7M+254.7%	$1.3M
Net Income	$45.7M-4.3%	$47.7M+6.5%	$44.8M+5.6%	$42.4M+18.1%	$35.9M
EPS (Diluted)	$2.26-18.7%	$2.78+6.5%	$2.61-7.8%	$2.83-20.7%	$3.57

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$64.8M+7.0%	$60.6M+6.1%	$57.1M-1.1%	$57.7M+17.9%	$49.0M+3.1%	$47.5M+2.9%	$46.2M+2.4%	$45.1M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$25.5M+6.0%	$24.1M+4.1%	$23.1M-4.7%	$24.3M+21.9%	$19.9M-4.3%	$20.8M+6.6%	$19.5M+10.7%	$17.6M
Income Tax	$5.9M+5.3%	$5.6M+5.9%	$5.3M-12.7%	$6.0M+38.4%	$4.4M+0.9%	$4.3M-0.5%	$4.4M-8.4%	$4.8M
Net Income	$16.3M+12.7%	$14.5M+10.7%	$13.1M-1.5%	$13.3M+23.5%	$10.8M+1.4%	$10.6M-1.6%	$10.8M-2.2%	$11.0M
EPS (Diluted)	$0.77+13.2%	$0.68+9.7%	$0.62+1.6%	$0.61+19.6%	$0.51-17.7%	$0.62-1.6%	$0.63-1.6%	$0.64

FSBC Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20
Total Assets	$4.1B+12.8%	$3.6B+11.3%	$3.2B+26.2%	$2.6B+30.9%	$2.0B
Current Assets	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$352.3M+9.6%	$321.6M+23.7%	$260.0M-38.9%	$425.3M+46.4%	$290.5M
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$3.7B+10.6%	$3.3B+11.2%	$3.0B+28.1%	$2.3B+27.6%	$1.8B
Current Liabilities	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A
Total Equity	$396.6M+38.8%	$285.8M+13.0%	$252.8M+7.6%	$235.0M+75.7%	$133.8M
Retained Earnings	$106.5M+38.2%	$77.0M+64.8%	$46.7M+172.2%	$17.2M-23.2%	$22.3M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$4.6B+5.2%	$4.4B+4.0%	$4.2B+4.7%	$4.1B+11.5%	$3.6B+4.5%	$3.5B-3.2%	$3.6B+2.5%	$3.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$580.4M+20.0%	$483.8M+6.9%	$452.6M+28.4%	$352.3M+85.1%	$190.4M+2.7%	$185.3M-42.4%	$321.6M-0.6%	$323.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$4.2B+5.3%	$4.0B+4.1%	$3.8B+5.0%	$3.7B+12.4%	$3.3B+2.2%	$3.2B-3.7%	$3.3B+2.4%	$3.2B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$431.3M+3.5%	$416.7M+2.5%	$406.5M+2.5%	$396.6M+4.2%	$380.5M+30.0%	$292.6M+2.4%	$285.8M+4.3%	$274.0M
Retained Earnings	$137.6M+9.6%	$125.5M+8.9%	$115.3M+8.3%	$106.5M+17.3%	$90.7M+7.7%	$84.2M+9.3%	$77.0M+10.5%	$69.7M

FSBC Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$51.8M+33.1%	$38.9M-15.4%	$46.0M+60.4%	$28.7M-44.3%	$51.5M
Capital Expenditures	$628K-3.8%	$653K+35.8%	$481K-32.9%	$717K-13.9%	$833K
Free Cash Flow	$51.2M+33.7%	$38.3M-15.9%	$45.5M+62.8%	$27.9M-44.8%	$50.6M
Investing Cash Flow	-$446.7M-60.0%	-$279.3M+66.6%	-$836.9M-83.9%	-$455.0M-22.1%	-$372.6M
Financing Cash Flow	$425.7M+41.0%	$301.9M-51.7%	$625.6M+11.5%	$561.2M+29.2%	$434.3M
Dividends Paid	$16.2M+25.5%	$12.9M-15.4%	$15.3M-70.5%	$51.9M	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$18.8M+5.6%	$17.8M+15.0%	$15.5M-14.0%	$18.0M+12.3%	$16.0M+6387.4%	$247K+115.1%	-$1.6M-110.9%	$14.9M
Capital Expenditures	$215K-11.9%	$244K+144.0%	$100K-5.7%	$106K-48.0%	$204K+88.9%	$108K-41.0%	$183K+35.6%	$135K
Free Cash Flow	$18.6M+5.9%	$17.5M+14.1%	$15.4M-14.1%	$17.9M+13.1%	$15.8M+11281.3%	$139K+107.7%	-$1.8M-112.3%	$14.8M
Investing Cash Flow	-$126.7M+9.9%	-$140.5M-57.3%	-$89.3M-27.2%	-$70.3M+56.5%	-$161.5M-1254.1%	-$11.9M+83.3%	-$71.6M+11.1%	-$80.5M
Financing Cash Flow	$204.5M+32.8%	$154.0M-11.5%	$174.1M+13.2%	$153.8M+2.2%	$150.5M+220.8%	-$124.6M-274.9%	$71.2M-20.0%	$89.0M
Dividends Paid	$4.3M0.0%	$4.3M+0.1%	$4.3M0.0%	$4.3M0.0%	$4.3M+23.6%	$3.5M0.0%	$3.5M0.0%	$3.5M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

FSBC Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	22.1%-5.3pp	27.4%-10.6pp	38.0%-14.0pp	52.0%+3.7pp	48.3%
Return on Equity	11.5%-5.2pp	16.7%-1.0pp	17.7%-0.3pp	18.1%-8.8pp	26.9%
Return on Assets	1.1%-0.2pp	1.3%-0.1pp	1.4%-0.3pp	1.7%-0.2pp	1.8%
Current Ratio	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.22-2.4	11.57-0.2	11.76+1.9	9.88-3.7	13.60
FCF Margin	24.7%+2.8pp	21.9%-16.6pp	38.6%+4.3pp	34.3%-33.8pp	68.1%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	25.2%+1.3pp	23.9%+1.0pp	23.0%-0.1pp	23.1%+1.1pp	22.0%-0.4pp	22.4%-1.0pp	23.4%-1.1pp	24.5%
Return on Equity	3.8%+0.3pp	3.5%+0.2pp	3.2%-0.1pp	3.4%+0.5pp	2.8%-0.8pp	3.6%-0.2pp	3.8%-0.3pp	4.0%
Return on Assets	0.4%+0.0pp	0.3%+0.0pp	0.3%-0.0pp	0.3%+0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%-0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.76+0.2	9.59+0.1	9.44+0.2	9.22+0.7	8.55-2.3	10.88-0.7	11.57-0.2	11.79
FCF Margin	28.6%-0.3pp	29.0%+2.0pp	26.9%-4.1pp	31.0%-1.3pp	32.3%+32.0pp	0.3%+4.2pp	-3.9%-36.7pp	32.8%

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Frequently Asked Questions

What is FIVE STAR BANCORP's annual revenue?

FIVE STAR BANCORP (FSBC) reported $207.0M in total revenue for fiscal year 2024. This represents a 18.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is FIVE STAR BANCORP's revenue growing?

FIVE STAR BANCORP (FSBC) revenue grew by 18.7% year-over-year, from $174.4M to $207.0M in fiscal year 2024.

Is FIVE STAR BANCORP profitable?

Yes, FIVE STAR BANCORP (FSBC) reported a net income of $45.7M in fiscal year 2024, with a net profit margin of 22.1%.

What is FIVE STAR BANCORP's earnings per share (EPS)?

FIVE STAR BANCORP (FSBC) reported diluted earnings per share of $2.26 for fiscal year 2024. This represents a -18.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is FIVE STAR BANCORP's net profit margin?

FIVE STAR BANCORP (FSBC) had a net profit margin of 22.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does FIVE STAR BANCORP pay dividends?

Yes, FIVE STAR BANCORP (FSBC) paid $0.80 per share in dividends during fiscal year 2024.

What is FIVE STAR BANCORP's return on equity (ROE)?

FIVE STAR BANCORP (FSBC) has a return on equity of 11.5% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is FIVE STAR BANCORP's free cash flow?

FIVE STAR BANCORP (FSBC) generated $51.2M in free cash flow during fiscal year 2024. This represents a 33.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is FIVE STAR BANCORP's operating cash flow?

FIVE STAR BANCORP (FSBC) generated $51.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are FIVE STAR BANCORP's total assets?

FIVE STAR BANCORP (FSBC) had $4.1B in total assets as of fiscal year 2024, including both current and long-term assets.

What are FIVE STAR BANCORP's capital expenditures?

FIVE STAR BANCORP (FSBC) invested $628K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does FIVE STAR BANCORP have outstanding?

FIVE STAR BANCORP (FSBC) had 21M shares outstanding as of fiscal year 2024.

What is FIVE STAR BANCORP's debt-to-equity ratio?

FIVE STAR BANCORP (FSBC) had a debt-to-equity ratio of 9.22 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is FIVE STAR BANCORP's return on assets (ROA)?

FIVE STAR BANCORP (FSBC) had a return on assets of 1.1% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is FIVE STAR BANCORP's Piotroski F-Score?

FIVE STAR BANCORP (FSBC) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are FIVE STAR BANCORP's earnings high quality?

FIVE STAR BANCORP (FSBC) has an earnings quality ratio of 1.13x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is FIVE STAR BANCORP?

FIVE STAR BANCORP (FSBC) scores 57 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.