Five Star Bancorp (FSBC)

Five Star Bancorp Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	45.67	47.73	44.8	42.44	35.93
Depreciation & Amortization	1.88	1.61	1.64	0.61	0.46
Other Amortization	0.15	0.14	0.42	0.07	0.07
Gain (Loss) on Sale of Investments	0.4	-0.36	1.26	0.84	-0.3
Provision for Credit Losses	8	4.29	6.7	1.7	9
Net Decrease (Increase) in Loans Originated / Sold - Operating	-1.97	-9.51	-6.48	-5.15	9.75
Accrued Interest Receivable	2.54	-3.71	-5.1	-3.05	-3.55
Other Operating Activities	-2.14	-2.19	-2.8	-5.93	2
Operating Cash Flow	51.79	38.91	45.98	28.66	51.48
Operating Cash Flow Growth	33.08%	-15.36%	60.43%	-44.33%	78.08%
Capital Expenditures	-0.63	-0.65	-0.48	-0.72	-0.83
Investment in Securities	8.33	14.14	19.12	-24.62	-38.81
Net Decrease (Increase) in Loans Originated / Sold - Investing	-452.9	-286.66	-848.28	-426.88	-330.84
Other Investing Activities	-1.55	-6.11	-7.28	-2.8	-2.15
Investing Cash Flow	-446.74	-279.28	-836.92	-455.01	-372.63
Short-Term Debt Issued	-	70	100	-	-
Long-Term Debt Issued	-	-	75	-	-
Total Debt Issued	-	70	175	-	-
Short-Term Debt Repaid	-170	-	-	-	-
Long-Term Debt Repaid	-	-	-28.75	-	-25
Total Debt Repaid	-170	-	-28.75	-	-25
Net Debt Issued (Repaid)	-170	70	146.25	-	-25
Issuance of Common Stock	80.87	-	-	111.24	13.4
Common Dividends Paid	-16.24	-12.94	-15.3	-51.94	-26.37
Net Increase (Decrease) in Deposit Accounts	531.1	244.89	496.11	501.89	472.25
Other Financing Activities	-	-	-1.45	-	-
Financing Cash Flow	425.73	301.95	625.61	561.19	434.28
Net Cash Flow	30.77	61.59	-165.34	134.84	113.13
Free Cash Flow	51.16	38.26	45.49	27.94	50.64
Free Cash Flow Growth	33.71%	-15.90%	62.83%	-44.83%	78.34%
Free Cash Flow Margin	42.91%	33.45%	43.94%	33.59%	77.30%
Free Cash Flow Per Share	2.53	2.23	2.65	1.86	5.03
Cash Interest Paid	87.11	61.85	1.35	4.51	9.71
Cash Income Tax Paid	16.88	19.97	5.2	10.45	1.66

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q