Five Star Bancorp (FSBC)

Five Star Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	57.28	45.67	47.73	44.8	42.44	35.93
Depreciation & Amortization	0.42	1.88	1.61	1.64	0.61	0.46
Other Amortization	0.79	0.15	0.14	0.42	0.07	0.07
Gain (Loss) on Sale of Investments	1.37	0.4	-0.36	1.26	0.84	-0.3
Provision for Credit Losses	10.1	8	4.29	6.7	1.7	9
Net Decrease (Increase) in Loans Originated / Sold - Operating	1.96	-1.97	-9.51	-6.48	-5.15	9.75
Accrued Interest Receivable	-4.21	2.54	-3.71	-5.1	-3.05	-3.55
Other Operating Activities	-0.24	-2.14	-2.19	-2.8	-5.93	2
Operating Cash Flow	70.05	51.79	38.91	45.98	28.66	51.48
Operating Cash Flow Growth	117.82%	33.08%	-15.36%	60.43%	-44.33%	78.08%
Capital Expenditures	-0.67	-0.63	-0.65	-0.48	-0.72	-0.83
Investment in Securities	11.7	8.33	14.14	19.12	-24.62	-38.81
Net Decrease (Increase) in Loans Originated / Sold - Investing	-434.25	-452.9	-286.66	-848.28	-426.88	-330.84
Other Investing Activities	-3.71	-1.55	-6.11	-7.28	-2.8	-2.15
Investing Cash Flow	-426.84	-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	-17.08	-16.24	-12.94	-15.3	-51.94	-26.37
Net Increase (Decrease) in Deposit Accounts	703.46	531.1	244.89	496.11	501.89	472.25
Other Financing Activities	-	-	-	-1.45	-	-
Financing Cash Flow	686.38	425.73	301.95	625.61	561.19	434.28
Net Cash Flow	329.6	30.77	61.59	-165.34	134.84	113.13
Free Cash Flow	69.38	51.16	38.26	45.49	27.94	50.64
Free Cash Flow Growth	120.59%	33.71%	-15.90%	62.83%	-44.83%	78.34%
Free Cash Flow Margin	48.89%	42.91%	33.45%	43.94%	33.59%	77.30%
Free Cash Flow Per Share	3.26	2.53	2.23	2.65	1.86	5.03
Cash Interest Paid	93.82	87.11	61.85	1.35	4.51	9.71
Cash Income Tax Paid	23.51	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