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

FIVE STAR BANCORP (FSBC) reported diluted earnings per share of $2.90 for fiscal year 2025. This represents a 28.3% 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.

FIVE STAR BANCORP Financials

FSBC

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows FIVE STAR BANCORP (FSBC) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 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).

Financial Health Signals

Financial Profile 51/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

FIVE STAR BANCORP's revenue surged 20.3% year-over-year to $248.9M, reflecting rapid business expansion. This strong growth earns a score of 67/100.

Leverage

FIVE STAR BANCORP has elevated debt relative to equity (D/E of 9.67), 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

FIVE STAR BANCORP converts 28.7% of revenue into free cash flow ($71.4M). This strong cash generation earns a score of 97/100.

Returns

FIVE STAR BANCORP's ROE of 13.8% shows moderate profitability relative to equity, earning a score of 42/100. This is up from 11.5% the prior year.

Piotroski F-Score Neutral

5/9

FIVE STAR BANCORP passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.18x

For every $1 of reported earnings, FIVE STAR BANCORP generates $1.18 in operating cash flow ($72.6M OCF vs $61.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$248.9M

YoY+20.3%

5Y CAGR+27.3%

FIVE STAR BANCORP generated $248.9M in revenue in fiscal year 2025. This represents an increase of 20.3% from the prior year.

EBITDA

N/A

Net Income

$61.6M

YoY+34.9%

5Y CAGR+11.4%

FIVE STAR BANCORP reported $61.6M in net income in fiscal year 2025. This represents an increase of 34.9% from the prior year.

EPS (Diluted)

$2.90

YoY+28.3%

5Y CAGR-4.1%

FIVE STAR BANCORP earned $2.90 per diluted share (EPS) in fiscal year 2025. This represents an increase of 28.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$71.4M

YoY+39.6%

5Y CAGR+7.1%

FIVE STAR BANCORP generated $71.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 39.6% from the prior year.

Cash & Debt

$506.9M

YoY+43.9%

5Y CAGR+11.8%

FIVE STAR BANCORP held $506.9M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.80

YoY+0.0%

5Y CAGR-21.2%

FIVE STAR BANCORP paid $0.80 per share in dividends in fiscal year 2025. This represents an increase of 0.0% from the prior year.

Shares Outstanding

21M

YoY+0.2%

5Y CAGR+14.2%

FIVE STAR BANCORP had 21M shares outstanding in fiscal year 2025. This represents an increase of 0.2% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

24.8%

YoY+2.7pp

5Y CAGR-23.5pp

FIVE STAR BANCORP's net profit margin was 24.8% in fiscal year 2025, showing the share of revenue converted to profit. This is up 2.7 percentage points from the prior year.

Return on Equity

13.8%

YoY+2.3pp

5Y CAGR-13.0pp

FIVE STAR BANCORP's ROE was 13.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$1.2M

YoY+90.6%

5Y CAGR+7.5%

FIVE STAR BANCORP invested $1.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 90.6% from the prior year.

FSBC Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$248.9M+20.3%	$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	N/A
Gross Profit	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
SG&A Expenses	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
Interest Expense	$97.0M+11.2%	$87.2M+37.4%	$63.5M+327.7%	$14.8M+273.8%	$4.0M-56.7%	$9.2M
Income Tax	$22.1M+16.1%	$19.1M+0.9%	$18.9M+4.6%	$18.1M+283.6%	$4.7M+254.7%	$1.3M
Net Income	$61.6M+34.9%	$45.7M-4.3%	$47.7M+6.5%	$44.8M+5.6%	$42.4M+18.1%	$35.9M
EPS (Diluted)	$2.90+28.3%	$2.26-18.7%	$2.78+6.5%	$2.61-7.8%	$2.83-20.7%	$3.57

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$66.4M+2.4%	$64.8M+7.0%	$60.6M+6.1%	$57.1M-1.1%	$57.7M+9.6%	$52.7M+7.5%	$49.0M+3.1%	$47.5M
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	$24.4M-4.5%	$25.5M+6.0%	$24.1M+4.1%	$23.1M-4.7%	$24.3M+8.9%	$22.3M+11.9%	$19.9M-4.3%	$20.8M
Income Tax	$5.4M-8.9%	$5.9M+5.3%	$5.6M+5.9%	$5.3M-12.7%	$6.0M+40.7%	$4.3M-1.6%	$4.4M+0.9%	$4.3M
Net Income	$17.6M+7.9%	$16.3M+12.7%	$14.5M+10.7%	$13.1M-1.5%	$13.3M+21.7%	$10.9M+1.5%	$10.8M+1.4%	$10.6M
EPS (Diluted)	N/A	$0.77+13.2%	$0.68+9.7%	$0.62	N/A	$0.52+2.0%	$0.51-17.7%	$0.62

FSBC Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$4.8B+17.3%	$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	N/A
Cash & Equivalents	$506.9M+43.9%	$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	N/A
Accounts Receivable	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
Total Liabilities	$4.3B+17.8%	$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	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$445.8M+12.4%	$396.6M+38.8%	$285.8M+13.0%	$252.8M+7.6%	$235.0M+75.7%	$133.8M
Retained Earnings	$151.0M+41.8%	$106.5M+38.2%	$77.0M+64.8%	$46.7M+172.2%	$17.2M-23.2%	$22.3M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$4.8B+2.4%	$4.6B+5.2%	$4.4B+4.0%	$4.2B+4.7%	$4.1B+4.3%	$3.9B+7.0%	$3.6B+4.5%	$3.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$506.9M-12.7%	$580.4M+20.0%	$483.8M+6.9%	$452.6M+28.4%	$352.3M+40.5%	$250.9M+31.8%	$190.4M+2.7%	$185.3M
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	$4.3B+2.3%	$4.2B+5.3%	$4.0B+4.1%	$3.8B+5.0%	$3.7B+4.6%	$3.5B+7.5%	$3.3B+2.2%	$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	$445.8M+3.4%	$431.3M+3.5%	$416.7M+2.5%	$406.5M+2.5%	$396.6M+1.7%	$389.9M+2.5%	$380.5M+30.0%	$292.6M
Retained Earnings	$151.0M+9.7%	$137.6M+9.6%	$125.5M+8.9%	$115.3M+8.3%	$106.5M+9.3%	$97.4M+7.4%	$90.7M+7.7%	$84.2M

FSBC Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$72.6M+40.2%	$51.8M+33.1%	$38.9M-15.4%	$46.0M+60.4%	$28.7M-44.3%	$51.5M
Capital Expenditures	$1.2M+90.6%	$628K-3.8%	$653K+35.8%	$481K-32.9%	$717K-13.9%	$833K
Free Cash Flow	$71.4M+39.6%	$51.2M+33.7%	$38.3M-15.9%	$45.5M+62.8%	$27.9M-44.8%	$50.6M
Investing Cash Flow	-$544.1M-21.8%	-$446.7M-60.0%	-$279.3M+66.6%	-$836.9M-83.9%	-$455.0M-22.1%	-$372.6M
Financing Cash Flow	$626.0M+47.0%	$425.7M+41.0%	$301.9M-51.7%	$625.6M+11.5%	$561.2M+29.2%	$434.3M
Dividends Paid	$17.1M+5.2%	$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	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$20.6M+9.4%	$18.8M+5.6%	$17.8M+15.0%	$15.5M-14.0%	$18.0M+2.7%	$17.5M+9.3%	$16.0M+6387.4%	$247K
Capital Expenditures	$638K+196.7%	$215K-11.9%	$244K+144.0%	$100K-5.7%	$106K-49.5%	$210K+2.9%	$204K+88.9%	$108K
Free Cash Flow	$19.9M+7.2%	$18.6M+5.9%	$17.5M+14.1%	$15.4M-14.1%	$17.9M+3.3%	$17.3M+9.4%	$15.8M+11281.3%	$139K
Investing Cash Flow	-$187.5M-48.0%	-$126.7M+9.9%	-$140.5M-57.3%	-$89.3M-27.2%	-$70.3M+65.4%	-$203.1M-25.8%	-$161.5M-1254.1%	-$11.9M
Financing Cash Flow	$93.4M-54.4%	$204.5M+32.8%	$154.0M-11.5%	$174.1M+13.2%	$153.8M-37.5%	$246.1M+63.5%	$150.5M+220.8%	-$124.6M
Dividends Paid	$4.3M0.0%	$4.3M0.0%	$4.3M+0.1%	$4.3M0.0%	$4.3M0.0%	$4.3M0.0%	$4.3M+23.6%	$3.5M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

FSBC Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	24.8%+2.7pp	22.1%-5.3pp	27.4%-10.6pp	38.0%-14.0pp	52.0%+3.7pp	48.3%
Return on Equity	13.8%+2.3pp	11.5%-5.2pp	16.7%-1.0pp	17.7%-0.3pp	18.1%-8.8pp	26.9%
Return on Assets	1.3%+0.2pp	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	N/A
Debt-to-Equity	9.67+0.4	9.22-2.4	11.57-0.2	11.76+1.9	9.88-3.7	13.60
FCF Margin	28.7%+4.0pp	24.7%+2.8pp	21.9%-16.6pp	38.6%+4.3pp	34.3%-33.8pp	68.1%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	26.6%+1.4pp	25.2%+1.3pp	23.9%+1.0pp	23.0%-0.1pp	23.1%+2.3pp	20.8%-1.2pp	22.0%-0.4pp	22.4%
Return on Equity	4.0%+0.2pp	3.8%+0.3pp	3.5%+0.2pp	3.2%-0.1pp	3.4%+0.5pp	2.8%-0.0pp	2.8%-0.8pp	3.6%
Return on Assets	0.4%+0.0pp	0.4%+0.0pp	0.3%+0.0pp	0.3%-0.0pp	0.3%+0.1pp	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	9.67-0.1	9.76+0.2	9.59+0.1	9.44+0.2	9.22+0.3	8.97+0.4	8.55-2.3	10.88
FCF Margin	30.0%+1.3pp	28.6%-0.3pp	29.0%+2.0pp	26.9%-4.1pp	31.0%-1.9pp	32.9%+0.6pp	32.3%+32.0pp	0.3%

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Frequently Asked Questions

What is FIVE STAR BANCORP's annual revenue?

FIVE STAR BANCORP (FSBC) reported $248.9M in total revenue for fiscal year 2025. This represents a 20.3% 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 20.3% year-over-year, from $207.0M to $248.9M in fiscal year 2025.

Is FIVE STAR BANCORP profitable?

Yes, FIVE STAR BANCORP (FSBC) reported a net income of $61.6M in fiscal year 2025, with a net profit margin of 24.8%.

What is FIVE STAR BANCORP's net profit margin?

FIVE STAR BANCORP (FSBC) had a net profit margin of 24.8% in fiscal year 2025, 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 2025.

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

FIVE STAR BANCORP (FSBC) has a return on equity of 13.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is FIVE STAR BANCORP's free cash flow?

FIVE STAR BANCORP (FSBC) generated $71.4M in free cash flow during fiscal year 2025. This represents a 39.6% 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 $72.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are FIVE STAR BANCORP's total assets?

FIVE STAR BANCORP (FSBC) had $4.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are FIVE STAR BANCORP's capital expenditures?

FIVE STAR BANCORP (FSBC) invested $1.2M in capital expenditures during fiscal year 2025, 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 2025.

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

FIVE STAR BANCORP (FSBC) had a debt-to-equity ratio of 9.67 as of fiscal year 2025, 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 1.3% for fiscal year 2025, 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 5 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 1.18x, 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 51 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.