Five Star Bancorp (FSBC)

Five Star Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	72.01	61.61	45.67	47.73	44.8	42.44
Depreciation & Amortization	2.48	2.25	1.88	1.61	1.64	0.61
Other Amortization	-0.03	0.15	0.15	0.14	0.42	0.07
Gain (Loss) on Sale of Investments	0.62	-0.02	0.4	-0.36	1.26	0.84
Provision for Credit Losses	12.52	11.47	8	4.29	6.7	1.7
Net Decrease (Increase) in Loans Originated / Sold - Operating	-	2.15	-1.97	-9.51	-6.48	-5.15
Accrued Interest Receivable	-1.83	-3.38	2.54	-3.71	-5.1	-3.05
Other Operating Activities	-12.41	-8.92	-2.14	-2.19	-2.8	-5.93
Operating Cash Flow	81.96	72.61	51.79	38.91	45.98	28.66
Operating Cash Flow Growth	19.16%	40.22%	33.08%	-15.36%	60.43%	-44.33%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-1.46	-1.2	-0.63	-0.65	-0.48	-0.72
Investment in Securities	4.65	10.46	8.33	14.14	19.12	-24.62
Net Decrease (Increase) in Loans Originated / Sold - Investing	-765.05	-549.75	-452.9	-286.66	-848.28	-426.88
Other Investing Activities	-4.36	-3.71	-1.55	-6.11	-7.28	-2.8
Investing Cash Flow	-766.22	-544.11	-446.74	-279.28	-836.92	-455.01

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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	-
Total Debt Repaid	-	-	-170	-	-28.75	-
Net Debt Issued (Repaid)	-	-	-170	70	146.25	-
Issuance of Common Stock	-	-	80.87	-	-	111.24
Common Dividends Paid	-19.23	-17.09	-16.24	-12.94	-15.3	-51.94
Net Increase (Decrease) in Deposit Accounts	904.76	643.09	531.1	244.89	496.11	501.89
Other Financing Activities	-	-	-	-	-1.45	-
Financing Cash Flow	885.53	626.01	425.73	301.95	625.61	561.19

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	201.26	154.51	30.77	61.59	-165.34	134.84

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	80.49	71.42	51.16	38.26	45.49	27.94
Free Cash Flow Growth	18.17%	39.60%	33.71%	-15.90%	62.83%	-44.83%
Free Cash Flow Margin	48.02%	48.01%	42.91%	33.45%	43.94%	33.59%
Free Cash Flow Per Share	3.78	3.36	2.53	2.23	2.65	1.86

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	101.91	97.58	87.11	61.85	1.35	4.51
Cash Income Tax Paid	18.6	24.96	16.88	19.97	5.2	10.45

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Jul 22, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 13, 2026

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