FSBC - Five Star Bancorp
Price:
--
--
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CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$45.75
DETAILS
HIGH:
$48.50
LOW:
$43.00
MEDIAN:
$45.75
CONSENSUS:
$45.75
UPSIDE:
8.03%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||
| Revenue | 255.5 | 212.2 | 180.7 | 123.8 | 87.8 | 83.0 | 69.6 | 0.0 | 7.2 | 6.9 |
| Cost of Revenue | 106.7 | 94.2 | 67.5 | 21.5 | 5.7 | 18.2 | 17.1 | 0 | 0 | 0 |
| Gross Profit | 148.7 | 118.0 | 113.2 | 102.2 | 82.1 | 64.8 | 52.5 | 0.0 | 7.2 | 6.9 |
| Operating Expenses | ||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 40.7 | 35.8 | 31.1 | 25.3 | 21.8 | 18.3 | 14.4 | 6.6 | 6.1 | 5.4 |
| Other Expenses | 24.3 | 17.5 | 15.5 | 14.1 | 13.2 | 9.2 | 7.7 | 0 | 0 | 0 |
| Operating Expenses | 65.0 | 53.3 | 46.6 | 39.4 | 35.0 | 27.5 | 22.1 | 6.6 | 6.1 | 5.4 |
| Operating Income | ||||||||||
| Operating Income | 83.7 | 64.7 | 66.6 | 62.9 | 47.1 | 37.3 | 30.4 | 0.6 | 1.1 | 0.6 |
| Interest Expense | 97.0 | 87.2 | 63.5 | 14.8 | 4.0 | 9.2 | 11.6 | 2.8 | 2.2 | 2.0 |
| Interest Income | 250.2 | 207.0 | 174.4 | 117.9 | 81.6 | 74.4 | 64.7 | 0 | 0 | 0 |
| Profitability | ||||||||||
| EBITDA | 86.8 | 66.6 | 68.2 | 64.5 | 47.8 | 37.7 | 30.8 | 0 | 0 | 0 |
| EBIT | 83.7 | 64.7 | 66.6 | 62.9 | 47.1 | 37.3 | 30.4 | 0 | 0 | 0 |
| Income Before Tax | 83.7 | 64.7 | 66.6 | 62.9 | 47.1 | 37.3 | 30.4 | 0.6 | 1.1 | 0.6 |
| Income Tax Expense | 22.1 | 19.1 | 18.9 | 18.1 | 4.7 | 1.3 | 1.1 | 0.4 | 0.3 | 0.1 |
| Net Income | 61.6 | 45.7 | 47.7 | 44.8 | 42.4 | 35.9 | 29.3 | 0.2 | 0.9 | 0.5 |
| Per Share Data | ||||||||||
| EPS (Basic) | 2.90 | 2.26 | 2.78 | 2.61 | 2.83 | 2.21 | 15.80 | 0.11 | 0.45 | 0.27 |
| EPS (Diluted) | 2.90 | 2.26 | 2.78 | 2.61 | 2.83 | 2.21 | 15.80 | 0.11 | 0.45 | 0.27 |
| Shares Outstanding | 21.2 | 20.2 | 17.2 | 17.1 | 15.0 | 16.3 | 1.9 | 1.9 | 1.9 | 1.9 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 507.0 | 356.5 | 327.4 | 269.8 | 439.8 | 314.2 | 197.3 | 6.3 | 10.4 | 7.4 |
| Short-Term Investments | 57.9 | 98.2 | 108.1 | 116.0 | 148.8 | 114.9 | 77.2 | 18.3 | 18.3 | 17.7 |
| Net Receivables | 11.9 | 24.4 | 22.6 | 7.5 | 5.3 | 5.4 | 3.5 | 0.9 | 0.8 | 0.7 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 576.8 | 479.0 | 458.1 | 393.3 | 593.9 | 434.6 | 278.0 | 25.5 | 29.5 | 25.8 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 12.9 | 7.8 | 6.9 | 5.6 | 1.8 | 1.7 | 1.3 | 2.7 | 3.1 | 3.2 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 2.2 | 2.1 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 4,081.6 | 3,509.8 | 3,068.6 | 2,781.8 | 1,932.6 | 1,497.5 | 1,183.9 | 4.7 | 8.7 | 5.8 |
| Other Non-Current Assets | 83.6 | 56.7 | 59.5 | 46.5 | 26.3 | 17.9 | 16.7 | 294.6 | 272.4 | 238.2 |
| Total Non-Current Assets | 4,178.1 | 3,574.2 | 3,135.0 | 2,833.9 | 1,962.8 | 1,519.2 | 1,201.9 | 302.8 | 284.8 | 247.9 |
| Total Assets | 4,754.9 | 4,053.3 | 3,593.1 | 3,227.2 | 2,556.8 | 1,953.8 | 1,479.9 | 328.3 | 314.4 | 273.7 |
| Current Liabilities | ||||||||||
| Account Payables | 0 | 0 | 0 | 14.5 | 7.4 | 7.7 | 6.0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 13.8 | 13 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 4,201.1 | 3,558.0 | 3,026.9 | 2,782.0 | 2,285.9 | 1,784.0 | 1,311.8 | 0 | 0 | 0 |
| Total Current Liabilities | 4,201.1 | 3,558.0 | 3,026.9 | 2,796.5 | 2,293.3 | 1,791.7 | 1,317.7 | 13.8 | 13 | 0 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 74.0 | 73.9 | 243.7 | 173.6 | 28.4 | 28.3 | 53.3 | 58.1 | 51.4 | 56.8 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.2 | 0.2 | 0.3 |
| Other Non-Current Liabilities | 22.0 | 17.9 | 31.1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Non-Current Liabilities | 107.9 | 98.7 | 280.5 | 177.8 | 28.4 | 28.3 | 53.3 | 58.3 | 51.7 | 57.1 |
| Total Liabilities | 4,309.0 | 3,656.7 | 3,307.4 | 2,974.3 | 2,321.7 | 1,820.0 | 1,371.0 | 296.8 | 283.3 | 241.9 |
| Stockholders' Equity | ||||||||||
| Common Stock | 304.0 | 302.5 | 220.5 | 219.5 | 218.4 | 110.1 | 96.1 | 0.0 | 0.0 | 0.0 |
| Retained Earnings | 151.0 | 106.5 | 77.0 | 46.7 | 17.2 | 22.3 | 12.8 | 16.2 | 16.1 | 15.9 |
| Accumulated Other Comprehensive Income | (9.1) | (12.4) | (11.8) | (13.5) | (0.6) | 1.3 | (0.0) | (0.2) | (0.2) | (0.1) |
| Total Stockholders' Equity | 445.8 | 396.6 | 285.8 | 252.8 | 235.0 | 133.8 | 108.9 | 31.5 | 31.1 | 31.9 |
| Total Liabilities & Equity | 4,754.9 | 4,053.3 | 3,593.1 | 3,227.2 | 2,556.8 | 1,953.8 | 1,479.9 | 328.3 | 314.4 | 273.7 |
| Debt Metrics | ||||||||||
| Total Debt | 85.9 | 80.8 | 249.4 | 177.8 | 28.4 | 28.3 | 53.3 | 71.8 | 64.4 | 56.8 |
| Net Debt | (421.0) | (275.7) | (78.1) | (92.0) | (411.4) | (285.9) | (144.1) | 65.5 | 54.0 | 49.4 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 61.6 | 45.7 | 47.7 | 44.8 | 42.4 | 35.9 | 29.3 | 0.2 | 0.9 | 0.5 |
| Depreciation & Amortization | 3.0 | 1.9 | 1.6 | 1.6 | 0.6 | 0.5 | 0.4 | 0.3 | (0.1) | (0.1) |
| Stock-Based Compensation | 1.5 | 1.2 | 1.0 | 1.1 | 0.6 | 0.3 | 0.7 | 0 | 0 | 0 |
| Change in Working Capital | 1.6 | (1.0) | (2.7) | 1.3 | (3.3) | (1.9) | (2.0) | (4.8) | (9.3) | 25.8 |
| Other Non-Cash Items | 5.5 | 4.3 | (7.8) | (0.9) | (7.7) | 16.8 | 0.4 | 3.8 | 11.9 | (0.3) |
| Operating Cash Flow | 72.6 | 51.8 | 38.9 | 46.0 | 28.7 | 51.5 | 28.9 | (0.5) | 3.6 | 0.2 |
| Investing Activities | ||||||||||
| Capital Expenditure | (1.2) | (0.6) | (0.7) | (0.5) | (0.7) | (0.8) | (0.5) | (0.4) | (0.9) | (0.4) |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Purchases of Investments | 0 | (2.9) | (2.6) | (2.6) | (99.7) | (97.6) | (34.9) | (2.0) | (7.5) | (0.0) |
| Sales/Maturities of Investments | 3,767.2 | 9.5 | 12.7 | 17.1 | 65.8 | 62.5 | 29.2 | 3.5 | 11.3 | 4 |
| Other Investing Activities | (4,311.3) | (452.7) | (288.8) | (850.9) | (420.4) | (336.8) | (224.2) | (38.6) | (21.5) | (11.1) |
| Investing Cash Flow | (544.1) | (446.7) | (279.3) | (836.9) | (455.0) | (372.6) | (230.4) | (37.5) | (18.6) | (7.5) |
| Financing Activities | ||||||||||
| Net Debt Issuance | 0 | (170) | 70 | 144.8 | 0 | (25) | 28.8 | 0 | 0 | 0 |
| Stock Repurchased | 0 | 0 | 0 | 0 | 0 | 0 | 0 | (6.3) | (10.4) | (0.0) |
| Dividends Paid | (17.1) | (16.2) | (12.9) | (15.3) | (51.9) | (26.4) | (26.3) | 0 | 0 | 0 |
| Other Financing Activities | 643.1 | 531.1 | 244.9 | 496.1 | 501.9 | 472.3 | 150.3 | 40.9 | 16.3 | 9.1 |
| Financing Cash Flow | 626.0 | 425.7 | 301.9 | 625.6 | 561.2 | 434.3 | 175.5 | 40.9 | 16.3 | 9.1 |
| Cash Position | ||||||||||
| Net Change in Cash | 154.5 | 30.8 | 61.6 | (165.3) | 134.8 | 113.1 | (25.9) | 3.0 | 1.3 | 1.8 |
| Cash at Beginning | 352.3 | 321.6 | 260.0 | 425.3 | 290.5 | 177.4 | 203.3 | 3.3 | 9.1 | 5.6 |
| Cash at End | 506.9 | 352.3 | 321.6 | 260.0 | 425.3 | 290.5 | 177.4 | 6.3 | 10.4 | 7.4 |
| Free Cash Flow | 71.4 | 51.2 | 38.3 | 45.5 | 27.9 | 50.6 | 28.4 | (0.8) | 2.7 | (0.1) |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | 255.5 | 212.2 | 180.7 | 123.8 | 87.8 | 83.0 | 69.6 | 0.0 | 7.2 | 6.9 |
| Gross Profit | 148.7 | 118.0 | 113.2 | 102.2 | 82.1 | 64.8 | 52.5 | 0.0 | 7.2 | 6.9 |
| Operating Income | 83.7 | 64.7 | 66.6 | 62.9 | 47.1 | 37.3 | 30.4 | 0.6 | 1.1 | 0.6 |
| Net Income | 61.6 | 45.7 | 47.7 | 44.8 | 42.4 | 35.9 | 29.3 | 0.2 | 0.9 | 0.5 |
| EPS (Diluted) | 2.90 | 2.26 | 2.78 | 2.61 | 2.83 | 2.21 | 15.80 | 0.11 | 0.45 | 0.27 |
| Balance Sheet | ||||||||||
| Cash & Equivalents | 507.0 | 356.5 | 327.4 | 269.8 | 439.8 | 314.2 | 197.3 | 6.3 | 10.4 | 7.4 |
| Total Assets | 4,754.9 | 4,053.3 | 3,593.1 | 3,227.2 | 2,556.8 | 1,953.8 | 1,479.9 | 328.3 | 314.4 | 273.7 |
| Total Debt | 85.9 | 80.8 | 249.4 | 177.8 | 28.4 | 28.3 | 53.3 | 71.8 | 64.4 | 56.8 |
| Stockholders' Equity | 445.8 | 396.6 | 285.8 | 252.8 | 235.0 | 133.8 | 108.9 | 31.5 | 31.1 | 31.9 |
| Cash Flow | ||||||||||
| Operating Cash Flow | 72.6 | 51.8 | 38.9 | 46.0 | 28.7 | 51.5 | 28.9 | (0.5) | 3.6 | 0.2 |
| Capital Expenditure | (1.2) | (0.6) | (0.7) | (0.5) | (0.7) | (0.8) | (0.5) | (0.4) | (0.9) | (0.4) |
| Free Cash Flow | 71.4 | 51.2 | 38.3 | 45.5 | 27.9 | 50.6 | 28.4 | (0.8) | 2.7 | (0.1) |