Five Star Bancorp (FSBC) 10-Year Financial Performance & Capital Metrics

FSBC • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingWest Coast Community Banks

AboutFive Star Bancorp operates as the bank holding company for Five Star Bank that provides a range of banking products and services to small and medium-sized businesses, professionals, and individuals. The company accepts various deposits, such as money market, noninterest-bearing and interest checking accounts, savings accounts, and time deposits. Its loan products include commercial and residential real estate loans; commercial loans; commercial land loans; farmland loans; commercial and residential construction loans; and consumer and other loans. The company also offers debit cards; and remote deposit capture, online and mobile banking, and direct deposit services. It operates through seven branch offices and two loan production offices in Northern California. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.Show more

Net Interest Income $120M +8.0%
Total Revenue $212M +17.4%
Net Income $46M -4.3%
Return on Equity 13.39% -24.5%
Net Interest Margin 2.95% -4.3%
Efficiency Ratio 25.11% -2.6%
ROA 1.19% -14.7%
Equity / Assets 9.79% +23.0%
Book Value per Share 19.63 +18.1%
Tangible BV/Share 19.63 +18.1%
Debt/Equity 0.20 -76.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 25.1% efficiency ratio
✓Good 3Y average ROE of 16.5%
✓Healthy dividend yield of 2.1%
✓Trading near 52-week high

✗Weaknesses

✗Shares diluted 17.6% in last year

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y24.96%

3Y34.19%

TTM-

Profit (Net Income) CAGR

10Y-

5Y9.28%

3Y2.48%

TTM19.93%

EPS CAGR

10Y-

5Y-32.22%

3Y-7.22%

TTM2.08%

ROCE

10Y Avg11.41%

5Y Avg17.76%

3Y Avg14.56%

Latest12.19%

Peer Comparison

West Coast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BCALSouthern California Bancorp	608.64M	18.83	85.59	45.45%	2.94%	11.23%	8.17%	0.17
CWBCCommunity West Bancshares	447.97M	23.38	51.96	51.89%	4.67%	6.95%	3.83%	0.56
GBCIGlacier Bancorp, Inc.	6.29B	48.39	28.80	11.64%	15.27%	6.57%	3.34%	1.18
GBFHGBank Financial Holdings Inc.	465.21M	32.36	23.28	2%	30.99%	11.8%	5.65%	0.22
BOHBank of Hawaii Corporation	2.86B	71.86	20.77	6.6%	14.57%	10.28%	5.9%	0.45
HFWAHeritage Financial Corporation	867.93M	25.56	20.61	4.64%	13.64%	6.33%	7.03%	0.47
HTBKHeritage Commerce Corp	786.28M	12.82	19.42	3.35%	16.12%	6.19%	4.75%	0.06
NRIMNorthrim BanCorp, Inc.	640.63M	29.00	17.47	23.77%	18.87%	19.99%		0.15

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	0	0	53.04M	65.21M	77.61M	103.07M	110.88M	119.71M
NII Growth %	-	-	-	-	0.23%	0.19%	0.33%	0.08%	0.08%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	0	0	0	64.68M	74.39M	81.58M	117.92M	174.38M	206.95M
Interest Expense	2M	2.16M	2.78M	11.63M	9.18M	3.97M	14.85M	63.5M	87.24M
Loan Loss Provision	-2M	-2.16M	-2.78M	5.5M	9M	1.7M	6.7M	4M	6.95M
Non-Interest Income+	6.92M	7.16M	30K	4.95M	8.57M	6.24M	5.87M	6.32M	5.25M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	6.92M	7.16M	30K	69.63M	82.96M	87.82M	123.79M	180.7M	212.2M
Revenue Growth %	-	0.03%	-1%	2320.07%	0.19%	0.06%	0.41%	0.46%	0.17%
Non-Interest Expense	5.37M	6.09M	6.61M	22.14M	27.52M	35M	39.38M	46.58M	53.29M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	649K	1.14M	618K	30.36M	37.26M	47.15M	62.86M	66.62M	64.72M
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.76%	-0.46%	48.13%	0.23%	0.27%	0.33%	0.06%	-0.03%
Pretax Income+	649K	1.14M	618K	30.36M	37.26M	47.15M	62.86M	66.62M	64.72M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	136K	285K	407K	1.06M	1.33M	4.71M	18.06M	18.88M	19.05M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	513K	854K	211K	29.3M	35.93M	42.44M	44.8M	47.73M	45.67M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.66%	-0.75%	137.86%	0.23%	0.18%	0.06%	0.07%	-0.04%
Net Income (Continuing)	513K	854K	211K	29.3M	35.93M	42.44M	44.8M	47.73M	45.67M
EPS (Diluted)+	0.27	0.45	0.11	15.80	2.21	2.83	2.61	2.78	2.26
EPS Growth %	-	0.67%	-0.76%	142.64%	-0.86%	0.28%	-0.08%	0.07%	-0.19%
EPS (Basic)	0.27	0.45	0.11	15.80	2.21	2.83	2.61	2.78	2.26
Diluted Shares Outstanding	1.91M	1.91M	1.9M	1.85M	16.27M	14.99M	17.17M	17.19M	20.2M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	7.41M	10.4M	6.29M	197.31M	314.2M	439.79M	269.84M	327.43M	356.46M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	23.52M	27.04M	23.04M	1.26B	1.61B	2.08B	2.9B	3.18B	3.61B
Investments Growth %	-	0.15%	-0.15%	53.73%	0.28%	0.29%	0.39%	0.1%	0.14%
Long-Term Investments	5.77M	8.72M	4.71M	1.18B	1.5B	1.93B	2.78B	3.07B	3.51B
Accounts Receivables	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	2.08M	2.21M	0	0	0
PP&E (Net)	3.17M	3.06M	2.73M	1.29M	1.66M	1.77M	5.59M	6.91M	7.83M
Other Assets	238.15M	272.45M	294.6M	16.71M	17.92M	26.27M	46.5M	59.49M	56.67M
Total Current Assets	25.81M	29.53M	25.5M	277.99M	434.57M	593.93M	393.28M	458.1M	479.03M
Total Non-Current Assets	247.91M	284.85M	302.77M	1.2B	1.52B	1.96B	2.83B	3.14B	3.57B
Total Assets+	273.72M	314.38M	328.27M	1.48B	1.95B	2.56B	3.23B	3.59B	4.05B
Asset Growth %	-	0.15%	0.04%	3.51%	0.32%	0.31%	0.26%	0.11%	0.13%
Return on Assets (ROA)	0%	0%	0%	0.03%	0.02%	0.02%	0.02%	0.01%	0.01%
Accounts Payable	0	0	0	5.98M	7.67M	7.44M	14.48M	0	0
Total Debt+	56.81M	64.45M	71.83M	53.25M	28.32M	28.39M	177.85M	249.35M	80.75M
Net Debt	49.41M	54.05M	65.53M	-144.06M	-285.88M	-411.41M	-91.99M	-78.08M	-275.71M
Long-Term Debt	56.81M	51.45M	58.08M	53.25M	28.32M	28.39M	173.61M	243.75M	73.89M
Short-Term Debt	0	13M	13.75M	0	0	0	0	0	0
Other Liabilities	0	0	0	0	0	0	0	31.1M	17.91M
Total Current Liabilities	0	13M	13.75M	1.32B	1.79B	2.29B	2.8B	3.03B	3.56B
Total Non-Current Liabilities	57.12M	51.69M	58.3M	53.25M	28.32M	28.39M	177.85M	280.45M	98.66M
Total Liabilities	241.86M	283.33M	296.76M	1.37B	1.82B	2.32B	2.97B	3.31B	3.66B
Total Equity+	31.86M	31.06M	31.51M	108.88M	133.78M	235.05M	252.82M	285.77M	396.62M
Equity Growth %	-	-0.03%	0.01%	2.45%	0.23%	0.76%	0.08%	0.13%	0.39%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.02%	0.03%	0.01%	0.42%	0.3%	0.23%	0.18%	0.18%	0.13%
Book Value per Share	16.70	16.29	16.59	58.71	8.22	15.67	14.73	16.63	19.63
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	19K	19K	19K	96.11M	110.08M	218.44M	219.54M	220.5M	302.53M
Additional Paid-in Capital	0	0	0	0	0	0	0	0	0
Retained Earnings	15.92M	16.08M	16.21M	12.79M	22.35M	17.17M	46.74M	77.04M	106.46M
Accumulated OCI	-85K	-165K	-183K	-26K	1.34M	-566K	-13.45M	-11.77M	-12.37M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	250K	3.56M	-477K	28.91M	51.48M	28.66M	45.98M	38.91M	51.79M
Operating CF Growth %	-	13.25%	-1.13%	61.6%	0.78%	-0.44%	0.6%	-0.15%	0.33%
Net Income	513K	854K	211K	29.3M	35.93M	42.44M	44.8M	47.73M	45.67M
Depreciation & Amortization	-87K	-132K	338K	433K	461K	607K	1.64M	1.61M	1.88M
Deferred Taxes	116K	116K	-166K	0	-143K	-4M	-1.94M	-897K	-243K
Other Non-Cash Items	-292K	11.86M	3.79M	398K	16.77M	-7.7M	-908K	-7.79M	4.32M
Working Capital Changes	25.81M	-9.27M	-4.79M	-1.96M	-1.86M	-3.28M	1.29M	-2.71M	-992K
Cash from Investing+	-7.51M	-18.59M	-37.47M	-230.37M	-372.63M	-455.01M	-836.92M	-279.28M	-446.74M
Purchase of Investments	-6K	-7.53M	-2M	-34.87M	-97.57M	-99.69M	-2.64M	-2.56M	-2.91M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0
Other Investing	-11.14M	-21.47M	-38.61M	-224.19M	-336.75M	-420.44M	-850.95M	-288.77M	-452.71M
Cash from Financing+	9.07M	16.29M	40.94M	175.54M	434.28M	561.19M	625.61M	301.95M	425.73M
Dividends Paid	0	0	0	-26.28M	-26.37M	-51.94M	-15.3M	-12.94M	-16.24M
Share Repurchases	-6K	-10.4M	-6.29M	0	0	0	0	0	0
Stock Issued	0	8.99M	0	22.72M	13.4M	111.24M	0	0	80.87M
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	0	0	1000K	-1000K	0	1000K	1000K	-1000K
Other Financing	9.07M	16.29M	40.94M	150.35M	472.25M	501.89M	494.66M	244.89M	531.1M
Net Change in Cash+	1.81M	1.26M	2.99M	-25.93M	113.13M	134.84M	-165.34M	61.59M	30.77M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	5.59M	9.14M	3.3M	203.29M	177.37M	290.49M	425.33M	259.99M	321.58M
Cash at End	7.41M	10.4M	6.29M	177.37M	290.49M	425.33M	259.99M	321.58M	352.34M
Interest Paid	0	0	0	11.44M	9.71M	4.5M	1.34M	61.85M	87.11M
Income Taxes Paid	0	0	0	1.23M	1.66M	10.45M	5.2M	19.97M	16.88M
Free Cash Flow+	-111K	2.69M	-839K	28.4M	50.64M	27.94M	45.49M	38.26M	51.16M
FCF Growth %	-	25.21%	-1.31%	34.85%	0.78%	-0.45%	0.63%	-0.16%	0.34%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	1.61%	2.71%	0.67%	41.74%	29.61%	23.01%	18.37%	17.73%	13.39%
Return on Assets (ROA)	0.19%	0.29%	0.07%	3.24%	2.09%	1.88%	1.55%	1.4%	1.19%
Net Interest Margin	0%	0%	0%	3.58%	3.34%	3.04%	3.19%	3.09%	2.95%
Efficiency Ratio	77.57%	85.11%	22030%	31.79%	33.18%	39.85%	31.81%	25.78%	25.11%
Equity / Assets	11.64%	9.88%	9.6%	7.36%	6.85%	9.19%	7.83%	7.95%	9.79%
Book Value / Share	16.7	16.29	16.59	58.71	8.22	15.67	14.73	16.63	19.63
NII Growth	-	-	-	-	22.94%	19.02%	32.8%	7.58%	7.96%
Dividend Payout	-	-	-	89.69%	73.39%	122.39%	34.15%	27.11%	35.57%

Revenue by Segment

	2018	2019
Credit And Debit Card	-	165K
Credit And Debit Card Growth	-	-
Service	149K	141K
Service Growth	-	-5.37%
Debit Card	146K	135K
Debit Card Growth	-	-7.53%
Insufficient Funds Fee	83K	76K
Insufficient Funds Fee Growth	-	-8.43%
Deposit Account	66K	65K
Deposit Account Growth	-	-1.52%
Atm Fees	31K	30K
Atm Fees Growth	-	-3.23%
Financial Service	131K	19K
Financial Service Growth	-	-85.50%
Insurance Commission Income	88K	11K
Insurance Commission Income Growth	-	-87.50%
Securities Commission Income	43K	8K
Securities Commission Income Growth	-	-81.40%
Credit and Debit Card	177K	-
Credit and Debit Card Growth	-	-

Frequently Asked Questions

Valuation & Price

Five Star Bancorp (FSBC) has a price-to-earnings (P/E) ratio of 16.8x. This is roughly in line with market averages.

Growth & Financials

Five Star Bancorp (FSBC) grew revenue by 17.4% over the past year. This is strong growth.

Yes, Five Star Bancorp (FSBC) is profitable, generating $51.9M in net income for fiscal year 2024 (21.5% net margin).

Dividend & Returns

Yes, Five Star Bancorp (FSBC) pays a dividend with a yield of 2.12%. This makes it attractive for income-focused investors.

Five Star Bancorp (FSBC) has a return on equity (ROE) of 13.4%. This is reasonable for most industries.

Industry Metrics

Five Star Bancorp (FSBC) has a net interest margin (NIM) of 3.0%. NIM has been under pressure due to interest rate environment.

Five Star Bancorp (FSBC) has an efficiency ratio of 25.1%. This is excellent, indicating strong cost control.

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Five Star Bancorp (FSBC) 10-Year Financial Performance & Capital Metrics

FSBC • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingWest Coast Community Banks

Net Interest Income $120M +8.0%
Total Revenue $212M +17.4%
Net Income $46M -4.3%
Return on Equity 13.39% -24.5%
Net Interest Margin 2.95% -4.3%
Efficiency Ratio 25.11% -2.6%
ROA 1.19% -14.7%
Equity / Assets 9.79% +23.0%
Book Value per Share 19.63 +18.1%
Tangible BV/Share 19.63 +18.1%
Debt/Equity 0.20 -76.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 25.1% efficiency ratio
✓Good 3Y average ROE of 16.5%
✓Healthy dividend yield of 2.1%
✓Trading near 52-week high

✗Weaknesses

✗Shares diluted 17.6% in last year

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y24.96%

3Y34.19%

TTM-

Profit (Net Income) CAGR

10Y-

5Y9.28%

3Y2.48%

TTM19.93%

EPS CAGR

10Y-

5Y-32.22%

3Y-7.22%

TTM2.08%

ROCE

10Y Avg11.41%

5Y Avg17.76%

3Y Avg14.56%

Latest12.19%

Peer Comparison

West Coast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BCALSouthern California Bancorp	608.64M	18.83	85.59	45.45%	2.94%	11.23%	8.17%	0.17
CWBCCommunity West Bancshares	447.97M	23.38	51.96	51.89%	4.67%	6.95%	3.83%	0.56
GBCIGlacier Bancorp, Inc.	6.29B	48.39	28.80	11.64%	15.27%	6.57%	3.34%	1.18
GBFHGBank Financial Holdings Inc.	465.21M	32.36	23.28	2%	30.99%	11.8%	5.65%	0.22
BOHBank of Hawaii Corporation	2.86B	71.86	20.77	6.6%	14.57%	10.28%	5.9%	0.45
HFWAHeritage Financial Corporation	867.93M	25.56	20.61	4.64%	13.64%	6.33%	7.03%	0.47
HTBKHeritage Commerce Corp	786.28M	12.82	19.42	3.35%	16.12%	6.19%	4.75%	0.06
NRIMNorthrim BanCorp, Inc.	640.63M	29.00	17.47	23.77%	18.87%	19.99%		0.15

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	0	0	53.04M	65.21M	77.61M	103.07M	110.88M	119.71M
NII Growth %	-	-	-	-	0.23%	0.19%	0.33%	0.08%	0.08%
Net Interest Margin %	-	-	-	-	-	-	-	-	-
Interest Income	0	0	0	64.68M	74.39M	81.58M	117.92M	174.38M	206.95M
Interest Expense	2M	2.16M	2.78M	11.63M	9.18M	3.97M	14.85M	63.5M	87.24M
Loan Loss Provision	-2M	-2.16M	-2.78M	5.5M	9M	1.7M	6.7M	4M	6.95M
Non-Interest Income+	6.92M	7.16M	30K	4.95M	8.57M	6.24M	5.87M	6.32M	5.25M
Non-Interest Income %	-	-	-	-	-	-	-	-	-
Total Revenue+	6.92M	7.16M	30K	69.63M	82.96M	87.82M	123.79M	180.7M	212.2M
Revenue Growth %	-	0.03%	-1%	2320.07%	0.19%	0.06%	0.41%	0.46%	0.17%
Non-Interest Expense	5.37M	6.09M	6.61M	22.14M	27.52M	35M	39.38M	46.58M	53.29M
Efficiency Ratio	-	-	-	-	-	-	-	-	-
Operating Income+	649K	1.14M	618K	30.36M	37.26M	47.15M	62.86M	66.62M	64.72M
Operating Margin %	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.76%	-0.46%	48.13%	0.23%	0.27%	0.33%	0.06%	-0.03%
Pretax Income+	649K	1.14M	618K	30.36M	37.26M	47.15M	62.86M	66.62M	64.72M
Pretax Margin %	-	-	-	-	-	-	-	-	-
Income Tax+	136K	285K	407K	1.06M	1.33M	4.71M	18.06M	18.88M	19.05M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-
Net Income+	513K	854K	211K	29.3M	35.93M	42.44M	44.8M	47.73M	45.67M
Net Margin %	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.66%	-0.75%	137.86%	0.23%	0.18%	0.06%	0.07%	-0.04%
Net Income (Continuing)	513K	854K	211K	29.3M	35.93M	42.44M	44.8M	47.73M	45.67M
EPS (Diluted)+	0.27	0.45	0.11	15.80	2.21	2.83	2.61	2.78	2.26
EPS Growth %	-	0.67%	-0.76%	142.64%	-0.86%	0.28%	-0.08%	0.07%	-0.19%
EPS (Basic)	0.27	0.45	0.11	15.80	2.21	2.83	2.61	2.78	2.26
Diluted Shares Outstanding	1.91M	1.91M	1.9M	1.85M	16.27M	14.99M	17.17M	17.19M	20.2M

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	7.41M	10.4M	6.29M	197.31M	314.2M	439.79M	269.84M	327.43M	356.46M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	23.52M	27.04M	23.04M	1.26B	1.61B	2.08B	2.9B	3.18B	3.61B
Investments Growth %	-	0.15%	-0.15%	53.73%	0.28%	0.29%	0.39%	0.1%	0.14%
Long-Term Investments	5.77M	8.72M	4.71M	1.18B	1.5B	1.93B	2.78B	3.07B	3.51B
Accounts Receivables	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	2.08M	2.21M	0	0	0
PP&E (Net)	3.17M	3.06M	2.73M	1.29M	1.66M	1.77M	5.59M	6.91M	7.83M
Other Assets	238.15M	272.45M	294.6M	16.71M	17.92M	26.27M	46.5M	59.49M	56.67M
Total Current Assets	25.81M	29.53M	25.5M	277.99M	434.57M	593.93M	393.28M	458.1M	479.03M
Total Non-Current Assets	247.91M	284.85M	302.77M	1.2B	1.52B	1.96B	2.83B	3.14B	3.57B
Total Assets+	273.72M	314.38M	328.27M	1.48B	1.95B	2.56B	3.23B	3.59B	4.05B
Asset Growth %	-	0.15%	0.04%	3.51%	0.32%	0.31%	0.26%	0.11%	0.13%
Return on Assets (ROA)	0%	0%	0%	0.03%	0.02%	0.02%	0.02%	0.01%	0.01%
Accounts Payable	0	0	0	5.98M	7.67M	7.44M	14.48M	0	0
Total Debt+	56.81M	64.45M	71.83M	53.25M	28.32M	28.39M	177.85M	249.35M	80.75M
Net Debt	49.41M	54.05M	65.53M	-144.06M	-285.88M	-411.41M	-91.99M	-78.08M	-275.71M
Long-Term Debt	56.81M	51.45M	58.08M	53.25M	28.32M	28.39M	173.61M	243.75M	73.89M
Short-Term Debt	0	13M	13.75M	0	0	0	0	0	0
Other Liabilities	0	0	0	0	0	0	0	31.1M	17.91M
Total Current Liabilities	0	13M	13.75M	1.32B	1.79B	2.29B	2.8B	3.03B	3.56B
Total Non-Current Liabilities	57.12M	51.69M	58.3M	53.25M	28.32M	28.39M	177.85M	280.45M	98.66M
Total Liabilities	241.86M	283.33M	296.76M	1.37B	1.82B	2.32B	2.97B	3.31B	3.66B
Total Equity+	31.86M	31.06M	31.51M	108.88M	133.78M	235.05M	252.82M	285.77M	396.62M
Equity Growth %	-	-0.03%	0.01%	2.45%	0.23%	0.76%	0.08%	0.13%	0.39%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.02%	0.03%	0.01%	0.42%	0.3%	0.23%	0.18%	0.18%	0.13%
Book Value per Share	16.70	16.29	16.59	58.71	8.22	15.67	14.73	16.63	19.63
Tangible BV per Share	-	-	-	-	-	-	-	-	-
Common Stock	19K	19K	19K	96.11M	110.08M	218.44M	219.54M	220.5M	302.53M
Additional Paid-in Capital	0	0	0	0	0	0	0	0	0
Retained Earnings	15.92M	16.08M	16.21M	12.79M	22.35M	17.17M	46.74M	77.04M	106.46M
Accumulated OCI	-85K	-165K	-183K	-26K	1.34M	-566K	-13.45M	-11.77M	-12.37M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	250K	3.56M	-477K	28.91M	51.48M	28.66M	45.98M	38.91M	51.79M
Operating CF Growth %	-	13.25%	-1.13%	61.6%	0.78%	-0.44%	0.6%	-0.15%	0.33%
Net Income	513K	854K	211K	29.3M	35.93M	42.44M	44.8M	47.73M	45.67M
Depreciation & Amortization	-87K	-132K	338K	433K	461K	607K	1.64M	1.61M	1.88M
Deferred Taxes	116K	116K	-166K	0	-143K	-4M	-1.94M	-897K	-243K
Other Non-Cash Items	-292K	11.86M	3.79M	398K	16.77M	-7.7M	-908K	-7.79M	4.32M
Working Capital Changes	25.81M	-9.27M	-4.79M	-1.96M	-1.86M	-3.28M	1.29M	-2.71M	-992K
Cash from Investing+	-7.51M	-18.59M	-37.47M	-230.37M	-372.63M	-455.01M	-836.92M	-279.28M	-446.74M
Purchase of Investments	-6K	-7.53M	-2M	-34.87M	-97.57M	-99.69M	-2.64M	-2.56M	-2.91M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	0	0	0	0
Other Investing	-11.14M	-21.47M	-38.61M	-224.19M	-336.75M	-420.44M	-850.95M	-288.77M	-452.71M
Cash from Financing+	9.07M	16.29M	40.94M	175.54M	434.28M	561.19M	625.61M	301.95M	425.73M
Dividends Paid	0	0	0	-26.28M	-26.37M	-51.94M	-15.3M	-12.94M	-16.24M
Share Repurchases	-6K	-10.4M	-6.29M	0	0	0	0	0	0
Stock Issued	0	8.99M	0	22.72M	13.4M	111.24M	0	0	80.87M
Net Stock Activity	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	0	0	1000K	-1000K	0	1000K	1000K	-1000K
Other Financing	9.07M	16.29M	40.94M	150.35M	472.25M	501.89M	494.66M	244.89M	531.1M
Net Change in Cash+	1.81M	1.26M	2.99M	-25.93M	113.13M	134.84M	-165.34M	61.59M	30.77M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	5.59M	9.14M	3.3M	203.29M	177.37M	290.49M	425.33M	259.99M	321.58M
Cash at End	7.41M	10.4M	6.29M	177.37M	290.49M	425.33M	259.99M	321.58M	352.34M
Interest Paid	0	0	0	11.44M	9.71M	4.5M	1.34M	61.85M	87.11M
Income Taxes Paid	0	0	0	1.23M	1.66M	10.45M	5.2M	19.97M	16.88M
Free Cash Flow+	-111K	2.69M	-839K	28.4M	50.64M	27.94M	45.49M	38.26M	51.16M
FCF Growth %	-	25.21%	-1.31%	34.85%	0.78%	-0.45%	0.63%	-0.16%	0.34%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	1.61%	2.71%	0.67%	41.74%	29.61%	23.01%	18.37%	17.73%	13.39%
Return on Assets (ROA)	0.19%	0.29%	0.07%	3.24%	2.09%	1.88%	1.55%	1.4%	1.19%
Net Interest Margin	0%	0%	0%	3.58%	3.34%	3.04%	3.19%	3.09%	2.95%
Efficiency Ratio	77.57%	85.11%	22030%	31.79%	33.18%	39.85%	31.81%	25.78%	25.11%
Equity / Assets	11.64%	9.88%	9.6%	7.36%	6.85%	9.19%	7.83%	7.95%	9.79%
Book Value / Share	16.7	16.29	16.59	58.71	8.22	15.67	14.73	16.63	19.63
NII Growth	-	-	-	-	22.94%	19.02%	32.8%	7.58%	7.96%
Dividend Payout	-	-	-	89.69%	73.39%	122.39%	34.15%	27.11%	35.57%

Revenue by Segment

	2018	2019
Credit And Debit Card	-	165K
Credit And Debit Card Growth	-	-
Service	149K	141K
Service Growth	-	-5.37%
Debit Card	146K	135K
Debit Card Growth	-	-7.53%
Insufficient Funds Fee	83K	76K
Insufficient Funds Fee Growth	-	-8.43%
Deposit Account	66K	65K
Deposit Account Growth	-	-1.52%
Atm Fees	31K	30K
Atm Fees Growth	-	-3.23%
Financial Service	131K	19K
Financial Service Growth	-	-85.50%
Insurance Commission Income	88K	11K
Insurance Commission Income Growth	-	-87.50%
Securities Commission Income	43K	8K
Securities Commission Income Growth	-	-81.40%
Credit and Debit Card	177K	-
Credit and Debit Card Growth	-	-

Frequently Asked Questions

Valuation & Price

Five Star Bancorp (FSBC) has a price-to-earnings (P/E) ratio of 16.8x. This is roughly in line with market averages.

Growth & Financials

Five Star Bancorp (FSBC) grew revenue by 17.4% over the past year. This is strong growth.

Yes, Five Star Bancorp (FSBC) is profitable, generating $51.9M in net income for fiscal year 2024 (21.5% net margin).

Dividend & Returns

Yes, Five Star Bancorp (FSBC) pays a dividend with a yield of 2.12%. This makes it attractive for income-focused investors.

Five Star Bancorp (FSBC) has a return on equity (ROE) of 13.4%. This is reasonable for most industries.

Industry Metrics

Five Star Bancorp (FSBC) has a net interest margin (NIM) of 3.0%. NIM has been under pressure due to interest rate environment.

Five Star Bancorp (FSBC) has an efficiency ratio of 25.1%. This is excellent, indicating strong cost control.