FIVE STAR BANCORP FSBC

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Headquartered in the greater Sacramento metropolitan area of California, Five Star Bancorp is a bank holding company that operates through its wholly owned subsidiary, Five Star Bank, a California state-chartered non-member bank. The Bank began operations on December 20, 1999. Bancorp was incorporated on September 16, 2002 and became the sole shareholder of the Bank on June 2, 2003. Our executive offices are located at 3100 Zinfandel Drive, Suite 100, Rancho Cordova, California 95670 and our telephone number is (916) 626-5000. Our website address is https://www.fivestarbank.com. Information on our website should not be considered a part of this Annual Report on Form 10-K.

The Company provides a broad range of banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California through nine branch offices. The Bank opened a full-service branch in Walnut Creek in September 2025. The Bank's deposits are insured in whole or in part by the FDIC. The Bank's loans and deposits are primarily within Northern California, and the Bank's primary funding source is deposits from customers. Our mission is to strive to become the top business bank in all markets we serve through exceptional service, deep connectivity, and customer empathy. We are dedicated to serving real estate, agricultural, faith-based, and small to medium-sized enterprises. We aim to consistently deliver value that meets or exceeds expectations of our shareholders, customers, employees, business partners, and community. We refer to our mission as "purpose-driven and integrity-centered banking." At December 31, 2025, we had total assets of $4.8 billion, total loans held for investment of $4.1 billion, and total deposits of $4.2 billion.

Last close 44.09 2026-10-23
Market cap $1.08B 2026-06-30 share count
52-week range 32.20 - 50.26

Valuation FY2025 figures against the last close

P/S4.3x
P/E15.2x
P/FCF15.1x
EV/EBITDA—
Dividend yield1.6%
Diluted EPS2.90

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Revenue $248.9M$207.0M$174.4M$117.9M$81.6M$74.4M—
Interest expense $151.9M$119.7M$110.9M$103.1M$4.0M$9.2M—
Pre-tax income $83.7M$64.7M$66.6M$62.9M$47.1M$37.3M—
Income tax $22.1M$19.1M$18.9M$18.1M$4.7M$1.3M—
Net income $61.6M$45.7M$47.7M$44.8M$42.4M$35.9M—
EPS, basic 2.902.262.782.612.833.57—
EPS, diluted 2.902.262.782.612.833.57—
Shares, diluted (wtd. avg.) 21.3M20.2M17.2M17.2M15.0M10.1M—

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Cash and equivalents $506.9M$352.3M$321.6M$260.0M$425.3M$290.5M$177.4M
Property, plant and equipment $2.1M$1.6M$1.6M$1.6M$1.8M$1.7M—
Total assets $4.75B$4.05B$3.59B$3.23B$2.56B$1.95B—
Total liabilities $4.31B$3.66B$3.31B$2.97B$2.32B$1.82B—
Retained earnings $151.0M$106.5M$77.0M$46.7M$17.2M$22.3M—
Total equity $445.8M$396.6M$285.8M$252.8M$235.0M$133.8M$108.9M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Operating cash flow $72.6M$51.8M$38.9M$46.0M$28.7M$51.5M—
Stock-based compensation $1.5M$1.2M$962.0K$1.1M$1.4M$316.0K—
Capital expenditure $1.2M$628.0K$653.0K$481.0K$717.0K$833.0K—
Investing cash flow -$544.1M-$446.7M-$279.3M-$836.9M-$455.0M-$372.6M—
Financing cash flow $626.0M$425.7M$301.9M$625.6M$561.2M$434.3M—
Dividends paid $17.1M$16.2M$12.9M$15.3M$5.0M$27.0M—

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001628280-26-012724.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 100M 200M 300M Revenue, FY2020: 74.4M Net income, FY2020: 35.9M Revenue, FY2021: 81.6M Net income, FY2021: 42.4M Revenue, FY2022: 117.9M Net income, FY2022: 44.8M Revenue, FY2023: 174.4M Net income, FY2023: 47.7M Revenue, FY2024: 207M Net income, FY2024: 45.7M Revenue, FY2025: 248.9M Net income, FY2025: 61.6M FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue — $74.4M $81.6M $117.9M $174.4M $207.0M $248.9M
Gross profit — — — — — — —
Net income — $35.9M $42.4M $44.8M $47.7M $45.7M $61.6M

Recent filings and events

  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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