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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	77.57	61.61	45.67	47.73	44.8	42.44
Depreciation & Amortization	4.05	2.25	1.88	1.61	1.64	0.61
Other Amortization	0.03	0.32	-0.19	0.26	0.42	0.07
Gain (Loss) on Sale of Investments	0.76	-0.02	0.4	-0.36	1.26	0.84
Provision for Credit Losses	12.48	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	-1.04	-3.38	2.54	-3.71	-5.1	-3.05
Other Operating Activities	-15.22	-9.09	-1.8	-2.31	-2.8	-5.93
Operating Cash Flow	89.76	72.61	51.79	38.91	45.98	28.66
Operating Cash Flow Growth	28.14%	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-1.7	-1.2	-0.63	-0.65	-0.48	-0.72
Investment in Securities	5.9	10.46	8.33	14.14	19.12	-24.62
Net Decrease (Increase) in Loans Originated / Sold - Investing	-820.59	-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	-820.74	-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	Sep 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	130.02	-	80.87	-	-	111.24
Common Dividends Paid	-21.1	-17.09	-16.24	-12.94	-15.3	-51.94
Net Increase (Decrease) in Deposit Accounts	721.09	643.09	531.1	244.89	496.11	501.89
Other Financing Activities	-	-	-	-	-1.45	-
Financing Cash Flow	830.02	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	99.04	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	88.07	71.42	51.16	38.26	45.49	27.94
Free Cash Flow Growth	26.92%	39.60%	33.71%	-15.90%	62.83%	-44.83%
Free Cash Flow Margin	49.22%	48.01%	42.91%	33.45%	43.94%	33.59%
Free Cash Flow Per Share	4.02	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	105.63	97.58	87.11	61.85	1.35	4.51
Cash Income Tax Paid	20.96	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: Sep 30, 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:

Nov 12, 2026

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