FSBC
Company Description
Five Star Bancorp serves as the holding company for Five Star Bank, delivering a full spectrum of banking products and services. The institution caters to a diverse clientele, including small and medium-sized businesses, professionals, and individual customers. Clients can access various deposit options, such as money market accounts, both interest-bearing and non-interest-bearing checking accounts, savings accounts, and time deposits. The bank's lending portfolio encompasses commercial and residential real estate loans, general commercial financing, commercial land loans, agricultural land loans, and construction loans for both commercial and residential projects, alongside consumer and other credit facilities. Additionally, it provides debit cards, remote check deposit capabilities, online and mobile banking services, and direct deposit options. Operating in Northern California, Five Star Bancorp maintains seven branch locations and two dedicated loan production offices. The company was established in 1999 and its headquarters are located in Rancho Cordova, California.
Track Record
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 255.47M | 212.20M | 180.70M | 123.79M | 87.82M | 82.96M | 69.63M | 30,000 | 7.16M | 6.92M |
| Net Income | 61.61M | 45.67M | 47.73M | 44.80M | 42.44M | 35.93M | 29.30M | 211,000 | 854,000 | 513,000 |
| EPS | 2.90 | 2.26 | 2.78 | 2.61 | 2.83 | 2.21 | 15.80 | 0.11 | 0.45 | 0.27 |
| Free Cash Flow | 71.42M | 51.16M | 38.26M | 45.49M | 27.94M | 50.64M | 28.40M | (839,000) | 2.69M | (111,000) |
| FCF / Share | 3.36 | 2.54 | 2.23 | 2.66 | 1.87 | 3.11 | 15.31 | -0.44 | 1.41 | -0.06 |
| Operating CF | 72.61M | 51.79M | 38.91M | 45.98M | 28.66M | 51.48M | 28.91M | (477,000) | 3.56M | 250,000 |
| Total Assets | 4.75B | 4.05B | 3.59B | 3.23B | 2.56B | 1.95B | 1.48B | 328.27M | 314.38M | 273.72M |
| Total Debt | 85.91M | 80.75M | 249.35M | 177.85M | 28.39M | 28.32M | 53.25M | 71.83M | 64.45M | 56.81M |
| Cash & Equiv | 506.95M | 356.46M | 327.43M | 269.84M | 439.79M | 314.20M | 197.31M | 6.29M | 10.40M | 7.41M |
| Book Value | 445.83M | 396.62M | 285.77M | 252.82M | 235.05M | 133.78M | 108.88M | 31.51M | 31.06M | 31.86M |
| Return on Equity | 0.14 | 0.12 | 0.17 | 0.18 | 0.18 | 0.27 | 0.27 | 0.01 | 0.03 | 0.02 |
| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 74.20M | 69.73M | 67.82M | 66.49M | 61.97M | 58.13M | 59.09M | 53.76M | 50.27M | 49.08M | 47.85M | 46.14M |
| Net Income | 19.40M | 18.62M | 17.64M | 16.34M | 14.51M | 13.11M | 13.32M | 10.94M | 10.78M | 10.63M | 10.80M | 11.04M |
| EPS | 0.91 | 0.88 | 0.83 | 0.77 | 0.68 | 0.62 | 0.63 | 0.52 | 0.51 | 0.62 | 0.63 | 0.64 |
| Free Cash Flow | 23.24M | 18.76M | 19.92M | 18.58M | 17.55M | 15.37M | 17.89M | 17.31M | 15.82M | 139,000 | (1.82M) | 14.79M |
| FCF / Share | 1.09 | 0.88 | 0.94 | 0.88 | 0.83 | 0.72 | 0.84 | 0.82 | 0.75 | 0.01 | -0.11 | 0.86 |
| Operating CF | 23.68M | 18.93M | 20.56M | 18.79M | 17.79M | 15.47M | 17.99M | 17.52M | 16.02M | 247,000 | (1.63M) | 14.93M |
| Total Assets | 5.38B | 5.03B | 4.75B | 4.64B | 4.41B | 4.25B | 4.05B | 3.89B | 3.63B | 3.48B | 3.59B | 3.51B |
| Total Debt | 74.11M | 85.62M | 85.91M | 84.44M | 81.71M | 80.52M | 80.75M | 80.96M | 80.90M | 201.11M | 249.35M | 168.76M |
| Cash & Equiv | 45.97M | 644.46M | 506.95M | 580.55M | 484.66M | 456.60M | 356.46M | 254.97M | 194.46M | 191.20M | 327.43M | 330.52M |
| Book Value | 473.77M | 458.52M | 445.83M | 431.31M | 416.74M | 406.45M | 396.62M | 389.93M | 380.47M | 292.58M | 285.77M | 274.02M |
| Return on Equity | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 |
