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Five Star Bancorp

Financial Services US FSBC

44.04USD
0.63(1.45%)

Last update at 2026-06-09T17:45:00Z

Day Range

42.7444.47
LowHigh

52 Week Range

25.0442.26
LowHigh

Fundamentals

  • Previous Close 43.41
  • Market Cap876.64M
  • Volume52041
  • P/E Ratio14.14
  • Dividend Yield-%
  • Revenue TTM148.74M
  • Revenue Per Share TTM7.01
  • Gross Profit TTM 148.74M
  • Diluted EPS TTM2.90

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 83.73M 64.72M 66.62M 62.86M 47.15M
Minority interest - - - - -
Net income 61.61M 45.67M 47.73M 44.80M 42.44M
Selling general administrative 40.67M 33.34M 29.30M 23.42M 20.52M
Selling and marketing expenses - 2.41M 2.40M 1.91M 1.30M
Gross profit 148.74M 118.01M 0.79M 102.50M 83.85M
Reconciled depreciation 2.25M 1.88M 1.64M 0.65M 0.61M
Ebit 83.73M 64.72M -1.61000M 77.71M 47.15M
Ebitda 86.78M 66.60M -1.61000M 78.36M 47.76M
Depreciation and amortization 3.05M 1.88M 1.61M 0.65M 0.61M
Non operating income net other - - - - -
Operating income 83.73M 64.72M -1.61000M 77.71M 47.15M
Other operating expenses 171.74M 147.48M 9.12M 8.34M 36.70M
Interest expense 97.03M 87.24M 63.50M 14.85M 3.97M
Tax provision 22.13M 19.05M 20.02M 18.06M 4.71M
Interest income 248.93M 206.95M 165.60M 117.92M 81.58M
Net interest income 151.91M 119.71M 113.34M 103.07M 77.61M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 22.13M 19.05M 18.88M 18.06M 4.71M
Total revenue 255.47M 212.20M 7.51M 108.94M 83.85M
Total operating expenses 65.01M 53.29M 2.40M 1.91M -36.69800M
Cost of revenue 106.73M 94.19M 6.72M 6.44M -
Total other income expense net - 60.68M 68.23M -14.84800M -3.97200M
Discontinued operations - - - - -
Net income from continuing ops 61.61M 45.67M 50.22M 44.80M 42.44M
Net income applicable to common shares - - - 44.80M 42.44M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 4754.86M 4053.28M 3593.12M 3227.16M 2556.76M
Intangible assets - 1.73M 2.16M - -
Earning assets - - - - -
Other current assets -533.59400M 366.76M 336.40M 221.34M 6.78M
Total liab 4309.03M 3656.65M 3307.35M 2974.33M 2321.72M
Total stockholder equity 445.83M 396.62M 285.77M 252.82M 235.05M
Deferred long term liab - - - - -
Other current liab 2.00M 3557.99M 2876.37M -14.48100M -7.43900M
Common stock 303.99M 302.53M 220.50M 219.54M 218.44M
Capital stock 303.99M 302.53M 220.50M 219.54M 218.44M
Retained earnings 150.99M 106.46M 77.04M 46.74M 17.17M
Other liab - - - - 7.32M
Good will - - - - -
Other assets 4247.91M 3411.97M - 2702.87M 1791.01M
Cash 472.87M 356.46M 327.43M 269.84M 439.79M
Cash and equivalents - - - - -
Total current liabilities 2.00M 3557.99M 3047.62M 14.48M 7.44M
Current deferred revenue - - - - -
Net debt -375.08800M -275.71200M -78.08200M -91.99100M -411.40700M
Short term debt - 1.58M 171.25M - 28.36M
Short long term debt - - - - -
Short long term debt total 97.78M 80.75M 249.35M 177.85M 28.39M
Other stockholder equity - 409.00M - 2845.13M 2280.15M
Property plant equipment - - - 5.59M 1.77M
Total current assets 45.88M 479.03M 336.40M 393.28M 610.23M
Long term investments 109.00M 109.80M 117.96M 119.74M 153.75M
Net tangible assets - - - 252.82M 235.05M
Short term investments 94.70M 98.19M 108.08M 115.99M 148.81M
Net receivables 11.90M 24.37M 22.58M 34.08M 21.63M
Long term debt 74.04M 73.89M 243.75M 173.61M 28.39M
Inventory - - -189.25600M - -16.29600M
Accounts payable - - - 14.48M 7.44M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -9.14300M -12.37100M -11.76700M -13.45400M -0.56600M
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 614.45M 56.67M 2922.90M 5.68M -155.52600M
Deferred long term asset charges - - - - -
Non current assets total 4708.98M 3574.25M 3256.72M 131.01M 155.53M
Capital lease obligations 11.87M 6.86M 5.60M 4.24M -
Long term debt total - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 6.44M -446.74400M -415.18600M -836.92200M -24.61700M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities -544.10900M -446.74400M -279.27800M -836.92200M -455.01100M
Net borrowings 0.00000M -170.00000M 70.00M 146.25M 146.25M
Total cash from financing activities 626.00M 425.73M 301.95M 625.61M 561.19M
Change to operating activities - - - 7.36M -0.23000M
Net income 61.61M 45.67M 47.73M 44.80M 42.44M
Change in cash 154.51M 30.77M 61.59M -165.33800M 134.84M
Begin period cash flow 352.34M 321.58M 259.99M 425.33M 290.49M
End period cash flow 506.85M 352.34M 321.58M 259.99M 425.33M
Total cash from operating activities 72.61M 51.79M 38.91M 45.98M 28.66M
Issuance of capital stock 0.00000M 80.87M 0.00000M 0.00000M 111.24M
Depreciation 3.05M 1.88M 1.61M 0.65M 0.61M
Other cashflows from investing activities -4311.30800M -452.70900M -288.77500M -7.27700M -2.79500M
Dividends paid 17.09M 16.24M 12.94M 15.30M 51.94M
Change to inventory - - - - -
Change to account receivables -3.37800M 2.54M -3.70800M -5.09600M -3.05000M
Sale purchase of stock - - - - -
Other cashflows from financing activities 643.09M 531.10M 244.89M 669.66M 501.89M
Change to netincome - - - -3.15300M -11.17700M
Capital expenditures 1.20M 0.63M 0.65M 0.48M 0.72M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 1.61M -0.99200M -2.71100M 2.27M -3.28000M
Stock based compensation 1.46M 1.16M 0.96M 0.65M 0.59M
Other non cash items 5.47M 4.32M -7.78600M -0.45200M -7.70400M
Free cash flow 71.42M 51.16M 38.26M 45.49M 27.94M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
FSBC
Five Star Bancorp		 0.63 1.45% 44.04 14.14 - 5.89 1.97 6.13
HDB
HDFC Bank Limited ADR		 0.23 1.02% 23.25 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.27 0.88% 30.44 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 0.16 0.32% 50.61 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote deposit capture, online banking, mobile banking, and direct deposit services. In addition, the company offers loan products, such as commercial real estate loans; commercial land and construction loans; residential real estate and construction loans; farmland loans; the U.S. small business administration loans; and consumer and other loans, as well as operating lines of credit. Further, its investment portfolio consists of U.S. government agency securities, mortgage-backed securities, and obligations of states and political subdivisions. Five Star Bancorp was founded in 1999 and is headquartered in Rancho Cordova, California.

Five Star Bancorp

3100 Zinfandel Drive, Rancho Cordova, CA, United States, 95670

Key Executives

Name Title Year Born
Mr. James Eugene Beckwith Pres, CEO & Director 1958
Mr. John William Dalton Sr. VP & Chief Credit Officer 1954
Mr. Michael Anthony Rizzo Sr. VP & Chief Banking Officer 1966
Mr. Michael D. Campbell Sec. 1949
Ms. Heather Christina Luck Sr. VP & CFO 1981
Ms. Lydia Ann Ramirez-Medina Sr. VP, COO and Chief DE&I Officer 1981
Mr. Brett Levi Wait Sr. VP & Chief Information Officer 1981
Ms. Shelley Ronan Wetton Sr. VP & Chief Marketing Officer 1972
Mr. Michael Eugene Lee Sr. VP & Chief Regulatory Officer 1962
Mr. James Eugene Beckwith President, CEO & Director 1958

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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