Five Star Bancorp (FSBC)

Five Star Bancorp Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	67.12	61.61	45.67	47.73	44.8	42.44
Depreciation & Amortization	2.35	2.25	1.88	1.61	1.64	0.61
Provision for Credit Losses	10.48	9.7	6.95	4	6.7	1.7
Stock-Based Compensation	1.58	1.46	1.16	0.96	1.1	1.44
Net Change in Loans Held-for-Sale	4.57	1.9	-3.25	-11.46	-9.42	-9.23
Other Adjustments	-1.1	-5.91	0.54	-1.39	-0.13	-5.02
Changes in Accrued Interest and Accounts Receivable	-2.49	-3.38	2.54	-3.71	-5.1	-3.05
Changes in Accounts Payable	0.96	6.1	-2.61	1.9	7.36	-0.23
Changes in Other Operating Activities	-1.18	-1.12	-0.92	-0.9	-0.98	-
Operating Cash Flow	76.07	72.61	51.79	38.91	45.98	28.66
Operating Cash Flow Growth	13.52%	40.22%	33.08%	-15.36%	60.43%	-44.33%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	3.92	4.02	1.74	3.99	4.62	9.24
Net Change in Loans Held-for-Investment	-596.99	-544.15	-442.84	-284.31	-848.28	-426.88
Net Change in Securities and Investments	0.52	0.84	-3.46	7.81	14.5	-33.86
Capital Expenditures	-1.27	-1.2	-0.63	-0.65	-0.48	-0.72
Sale of Property, Plant & Equipment	0.04	0.09	-	-	-	-
Other Investing Activities	-4.36	-3.71	-1.55	-6.11	-7.28	-2.8
Investing Cash Flow	-599.12	-544.11	-446.74	-279.28	-836.92	-455.01
Net Change in Deposits	733	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	-18.16	-17.09	-16.24	-12.94	-15.3	-51.94
Other Financing Activities	-	-	-170	70	98.55	-
Financing Cash Flow	714.84	626.01	425.73	301.95	625.61	561.19
Net Cash Flow	191.79	154.51	30.77	61.59	-165.34	134.84
Free Cash Flow	74.8	71.42	51.16	38.26	45.49	27.94
Free Cash Flow Growth	4.75%	39.60%	33.71%	-15.90%	62.83%	-44.83%
FCF Margin	47.43%	48.01%	42.91%	33.45%	43.94%	33.59%
Free Cash Flow Per Share	3.51	3.36	2.53	2.23	2.65	1.86
Levered Free Cash Flow	65.49	64.26	45.93	45.98	93.5	39.05
Unlevered Free Cash Flow	-1.63	2.66	0.26	-1.75	2.44	-3.39

Updated May 7, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q