Five Star Bancorp (FSBC)

Five Star Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	151.91	119.71	110.88	103.07	77.61
Net Interest Income Growth	26.89%	7.96%	7.58%	32.80%	19.02%
Non-Interest Income	6.54	6.45	7.51	7.16	7.28
Non-Interest Income Growth	1.27%	-14.09%	4.95%	-1.69%	-21.74%
Revenues Before Loan Losses	158.44	126.16	118.39	110.23	84.89
Provision for Credit Losses	9.7	6.95	4	6.7	1.7
Revenue	148.74	119.21	114.39	103.53	83.19
Revenue Growth (YoY)	24.77%	4.22%	10.49%	24.45%	26.99%
Compensation Expenses	37.89	31.71	27.1	22.57	19.83
Selling, General & Admin	15.8	13.12	11.21	9.53	9.52
Other Non-Interest Expenses	11.32	9.66	9.47	8.57	6.69
Total Non-Interest Expense	65.01	54.49	47.78	40.67	36.04
Pretax Income	83.73	64.72	66.62	62.86	47.15
Provision for Income Taxes	22.13	19.05	18.88	18.06	4.71
Net Income	61.61	45.67	47.73	44.8	42.44
Net Income to Common	61.61	45.67	47.73	44.8	42.44
Net Income Growth	34.89%	-4.32%	6.55%	5.56%	18.13%
Shares Outstanding (Basic)	21	20	17	17	15
Shares Outstanding (Diluted)	21	20	17	17	15
Shares Change (YoY)	5.29%	17.56%	0.13%	14.46%	49.02%
EPS (Basic)	2.90	2.26	2.78	2.61	2.83
EPS (Diluted)	2.90	2.26	2.78	2.61	2.83
EPS Growth	28.32%	-18.70%	6.51%	-7.77%	-20.73%
Free Cash Flow	71.42	51.16	38.26	45.49	27.94
Free Cash Flow Growth	39.60%	33.71%	-15.90%	62.83%	-44.83%
Free Cash Flow Per Share	3.36	2.53	2.23	2.65	-
Dividends Per Share	0.800	0.800	0.800	0.600	0.450
Dividend Growth	-	-	33.33%	33.33%	-82.89%
Profit Margin	41.42%	38.31%	41.73%	43.27%	51.02%
FCF Margin	48.01%	42.91%	33.45%	43.94%	33.59%
EBITDA	2.25	1.88	1.61	1.64	0.61
EBITDA Margin	1.51%	1.57%	1.41%	1.58%	0.73%
Effective Tax Rate	26.42%	29.43%	28.34%	28.73%	9.98%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q