Five Star Bancorp (FSBC)

NASDAQ: FSBC · Real-Time Price · USD

46.81

-0.54 (-1.14%)

At close: Jul 24, 2026, 4:00 PM EDT

47.20

+0.39 (0.83%)

After-hours: Jul 24, 2026, 7:34 PM EDT

Five Star Bancorp Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	167.61	148.74	119.21	114.39	103.53	83.19
Revenue Growth	26.85%	24.77%	4.22%	10.49%	24.45%	26.99%
Net Income	72.01	61.61	45.67	47.73	44.8	42.44
Earnings Per Share	3.38	2.90	2.26	2.78	2.61	2.83
EPS Growth	37.96%	28.32%	-18.70%	6.51%	-7.77%	-20.73%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	685.07	506.85	352.34	321.58	259.99	425.33
Total Debt	74.11	74.04	73.9	73.75	73.61	28.39
Net Cash (Debt)	-74.11	-74.04	-73.9	-73.75	-73.61	-28.39
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-3.48	-3.48	-3.66	-4.29	-4.29	-1.89

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	76.07	72.61	51.79	38.91	45.98	28.66
Capital Expenditures	-1.27	-1.2	-0.63	-0.65	-0.48	-0.72
Free Cash Flow	74.8	71.42	51.16	38.26	45.49	27.94
Free Cash Flow Growth	12.67%	39.60%	33.71%	-15.90%	62.83%	-44.83%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Pretax Margin	57.49%	56.29%	54.29%	58.24%	60.72%	56.67%
Profit Margin	42.96%	41.42%	38.31%	41.73%	43.27%	51.02%
FCF Margin	0.00%	48.01%	42.91%	33.45%	43.94%	33.59%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 27, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.000	0.850	0.800	0.800	0.600	0.450
Dividend Per Share Growth	18.75%	6.25%	0%	33.33%	33.33%	-82.89%
Dividend Yield	2.14%	2.25%	2.68%	2.88%	3.28%	11.55%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 27, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	13.85	12.34	13.31	9.42	10.44	10.60
Forward PE	13.39	11.13	12.26	11.09	9.47	14.61
P/FCF Ratio	15.10	10.71	12.54	11.81	10.32	18.49
PS Ratio	6.74	5.14	5.38	3.95	4.54	6.21