Five Star Bancorp

FSBC

Financial ServicesSmall CapUS Equities · NYSE / NASDAQ

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Company 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.

Valuation

Market Cap$865M

Current Price$40.46

P/E Ratio12.84

P/B Ratio1.94

EV / EBITDA-

EV / Sales1.94

Profitability

Operating Margin-

Net Profit Margin39.2%

EBITDA Margin-

Returns

ROE13.8%

ROCE-

ROIC %-

ROA1.3%

Solvency

Current Ratio-

Debt / Equity0.19

Debt / Assets0.02

CFO / Net Profit1.18

Price History▲ 46.06% over 1Y

Technical Chart

Historical Performance Charts

5-year financial trends. Figures in USD millions.

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

No margin data.

Growth Summary

Latest fiscal year: 2025

Revenue$157M▲ 25.7%

EBITDA-

Net Profit$62M▲ 34.9%

Cash from Ops (CFO)$73M

Free Cash Flow (FCF)$71M

Revenue CAGR 3Y-

Revenue CAGR 5Y-

Net Profit CAGR 3Y-

Net Profit CAGR 5Y-

Historical Growth

Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)

Year	Revenue	EBITDA	Net Profit	FCF	ROE	Rev Growth 1Y	NP Growth 1Y
2025	$157M	-	$62M	$71M	13.8%	25.7%	34.9%
2024	$125M	-	$46M	$51M	11.5%	6.6%	-4.3%
2023	$117M	-	$48M	$38M	16.7%	7.6%	6.5%
2022	$109M	-	$45M	$45M	17.7%	-	-

Financial Statements

Income statement, balance sheet, and cash flow as reported

Consolidated Figures in USD Millions.

Metric	2022	2023	2024	2025
Total Revenue	108.94	117.20	124.96	157.02
Pretax Income	62.86	66.62	64.72	83.73
Tax Provision	18.06	18.88	19.05	22.13
Net Income	44.80	47.73	45.67	61.61
Net Income Common Stockholders	44.80	47.73	45.67	61.61
Interest Expense	14.85	63.50	87.24	97.03
Interest Income	117.92	174.38	206.95	248.93
Selling General And Administration	25.33	31.06	35.76	43.01
Normalized Income	44.80	47.73	45.67	61.61
Basic EPS	2.61	2.78	2.26	2.90
Diluted EPS	2.61	2.78	2.26	2.90
Tax Effect Of Unusual Items	0	0	0	0
Tax Rate For Calcs	0.29	0.28	0.29	0.26
Net Income From Continuing Operation Net Minority Interest	44.80	47.73	45.67	61.61
Reconciled Depreciation	1.64	1.61	1.88	2.25
Net Interest Income	103.07	110.88	119.71	151.91
Net Income From Continuing And Discontinued Operation	44.80	47.73	45.67	61.61
Diluted Average Shares	17.17	17.19	20.21	21.27
Basic Average Shares	17.13	17.17	20.15	21.22
Diluted NI Availto Com Stockholders	44.80	47.73	45.67	61.61
Net Income Including Noncontrolling Interests	44.80	47.73	45.67	61.61
Net Income Continuous Operations	44.80	47.73	45.67	61.61
Gain On Sale Of Security	0.01	-0.17	0	0
Selling And Marketing Expense	1.91	2.40	2.41	3.18
General And Administrative Expense	23.42	28.65	33.34	39.84
Other Gand A	0	0	0	0
Insurance And Claims	0.85	1.56	1.64	1.95
Salaries And Wages	22.57	27.10	31.71	37.88
Operating Revenue	108.94	117.20	124.96	157.02
Occupancy And Equipment	2.06	2.22	2.55	2.78
Professional Expense And Contract Services Expense	2.47	2.58	3.08	3.72
Other Non Interest Expense	9.53	10.73	11.91	14.07

Peer Comparison

Financial Services sector peers, ranked by market cap

Company	Ticker	Market Cap	P/E	P/B	ROE	EV/EBITDA
Five Star Bancorpthis co.	FSBC	$865M	12.84	1.94	13.8%	-
Abacus Global Management, Inc.	ABX	$902M	26.06	2.18	8.7%	11.09
CNB Financial Corporation	CCNE	$899M	10.57	1.09	7.6%	-
Business First Bancshares, Inc.	BFST	$879M	9.55	0.96	9.8%	-
Mercantile Bank Corporation	MBWM	$876M

Learn while you research

Hand-picked academy chapters to deepen your understanding of Five Star Bancorp and the metrics that matter.

01 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read 02 Growth Investing

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Year

Revenue

EBITDA

Net Profit

FCF

ROE

Rev Growth 1Y

NP Growth 1Y

2025

$157M

$62M

$71M

13.8%

25.7%

34.9%

2024

$125M

$46M

$51M

11.5%

6.6%

-4.3%

2023

$117M

$48M

$38M

16.7%

7.6%

6.5%

2022

$109M

$45M

17.7%

Metric

2022

2023

2024

2025

Total Revenue

108.94

117.20

124.96

157.02

Pretax Income

62.86

66.62

64.72

83.73

Tax Provision

18.06

18.88

19.05

22.13

Net Income

44.80

47.73

45.67

61.61

Net Income Common Stockholders

44.80

47.73

45.67

61.61

Interest Expense

14.85

63.50

87.24

97.03

Interest Income

117.92

174.38

206.95

248.93

Selling General And Administration

25.33

31.06

35.76

43.01

Normalized Income

44.80

47.73

45.67

61.61

Basic EPS

2.61

2.78

2.26

2.90

Diluted EPS

2.61

2.78

2.26

2.90

Tax Effect Of Unusual Items

Tax Rate For Calcs

0.29

0.28

0.29

0.26

Net Income From Continuing Operation Net Minority Interest

44.80

47.73

45.67

61.61

Reconciled Depreciation

1.64

1.61

1.88

2.25

Net Interest Income

103.07

110.88

119.71

151.91

Net Income From Continuing And Discontinued Operation

44.80

47.73

45.67

61.61

Diluted Average Shares

17.17

17.19

20.21

21.27

Basic Average Shares

17.13

17.17

20.15

21.22

Diluted NI Availto Com Stockholders

44.80

47.73

45.67

61.61

Net Income Including Noncontrolling Interests

44.80

47.73

45.67

61.61

Net Income Continuous Operations

44.80

47.73

45.67

61.61

Gain On Sale Of Security

0.01

-0.17

Selling And Marketing Expense

1.91

2.40

2.41

3.18

General And Administrative Expense

23.42

28.65

33.34

39.84

Other Gand A

Insurance And Claims

0.85

1.56

1.64

1.95

Salaries And Wages

22.57

27.10

31.71

37.88

Operating Revenue

108.94

117.20

124.96

157.02

Occupancy And Equipment

2.06

2.22

2.55

2.78

Professional Expense And Contract Services Expense

2.47

2.58

3.08

3.72

Other Non Interest Expense

9.53

10.73

11.91

14.07

Company

Ticker

Market Cap

P/E

P/B

ROE

EV/EBITDA

Five Star Bancorpthis co.

FSBC

$865M

12.84

1.94

13.8%

Abacus Global Management, Inc.

ABX

$902M

26.06

2.18

8.7%

11.09

CNB Financial Corporation

CCNE

$899M

10.57

1.09

7.6%

Business First Bancshares, Inc.

BFST

$879M

9.55

0.96

9.8%

Mercantile Bank Corporation

MBWM

$876M

Five Star Bancorp

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

Five Star Bancorp

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

Key concepts to brush up on