Five Star Bancorp Cash Flow Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Net Income	61.61	45.67	47.73	44.8	42.44
Depreciation & Amortization	2.25	1.88	1.61	1.64	0.61
Provision for Credit Losses	9.7	6.95	4	6.7	1.7
Stock-Based Compensation	1.46	1.16	0.96	1.1	1.44
Net Change in Loans Held-for-Sale	1.9	-3.25	-11.46	-9.42	-9.23
Other Adjustments	-5.91	0.54	-1.39	-0.13	-5.02
Changes in Accrued Interest and Accounts Receivable	-3.38	2.54	-3.71	-5.1	-3.05
Changes in Accounts Payable	6.1	-2.61	1.9	7.36	-0.23
Changes in Other Operating Activities	-1.12	-0.92	-0.9	-0.98	-
Operating Cash Flow	72.61	51.79	38.91	45.98	28.66
Operating Cash Flow Growth	40.22%	33.08%	-15.36%	60.43%	-44.33%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	4.02	1.74	3.99	4.62	9.24
Net Change in Loans Held-for-Investment	-544.15	-442.84	-284.31	-848.28	-426.88
Net Change in Securities and Investments	0.84	-3.46	7.81	14.5	-33.86
Capital Expenditures	-1.2	-0.63	-0.65	-0.48	-0.72
Sale of Property, Plant & Equipment	0.09	-	-	-	-
Other Investing Activities	-3.71	-1.55	-6.11	-7.28	-2.8
Investing Cash Flow	-544.11	-446.74	-279.28	-836.92	-455.01
Net Change in Deposits	643.09	531.1	244.89	496.11	501.89
Long-Term Debt Issued	-	-	-	75	-
Long-Term Debt Repaid	-	-	-	-28.75	-
Net Long-Term Debt Issued (Repaid)	-	-	-	46.25	-
Issuance of Common Stock	-	80.87	-	-	111.24
Net Common Stock Issued (Repurchased)	-	80.87	-	-	111.24
Common Dividends Paid	-17.09	-16.24	-12.94	-15.3	-51.94
Other Financing Activities	-	-170	70	98.55	-
Financing Cash Flow	626.01	425.73	301.95	625.61	561.19
Net Cash Flow	154.51	30.77	61.59	-165.34	134.84
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%
FCF Margin	48.01%	42.91%	33.45%	43.94%	33.59%
Free Cash Flow Per Share	3.36	2.53	2.23	2.65	-
Levered Free Cash Flow	64.26	45.93	45.98	93.5	39.05
Unlevered Free Cash Flow	2.66	0.26	-1.75	2.44	-3.39

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

SEC Filings: 10-K · 10-Q