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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.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
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% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 108.94 | 117.20 | 124.96 | 157.02 |
| Operating Revenue | - | 108.94 | 117.20 | 124.96 | 157.02 |
| Selling General And Administration | - | 25.33 | 31.06 | 35.76 | 43.01 |
| Interest Income | - | 117.92 | 174.38 | 206.95 | 248.93 |
| Interest Expense | - | 14.85 | 63.50 | 87.24 | 97.03 |
| Net Interest Income | - | 103.07 | 110.88 | 119.71 | 151.90 |
| Pretax Income | - | 62.86 | 66.62 | 64.72 | 83.73 |
| Tax Provision | - | 18.06 | 18.88 | 19.05 | 22.13 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 44.80 | 47.73 | 45.67 | 61.61 |
| Net Income From Continuing And Discontinued Operation | - | 44.80 | 47.73 | 45.67 | 61.61 |
| Net Income From Continuing Operation Net Minority Interest | - | 44.80 | 47.73 | 45.67 | 61.61 |
| Net Income | - | 44.80 | 47.73 | 45.67 | 61.61 |
| Net Income Common Stockholders | - | 44.80 | 47.73 | 45.67 | 61.61 |
| Net Income Including Noncontrolling Interests | - | 44.80 | 47.73 | 45.67 | 61.61 |
| Normalized Income | - | 44.80 | 47.73 | 45.67 | 61.61 |
| Diluted NI Availto Com Stockholders | - | 44.80 | 47.73 | 45.67 | 61.61 |
| Basic Average Shares | - | 17.13 | 17.17 | 20.15 | 21.22 |
| Diluted Average Shares | - | 17.17 | 17.19 | 20.21 | 21.27 |
| Reconciled Depreciation | - | 1.64 | 1.61 | 1.88 | 2.25 |
| Gain On Sale Of Security | - | 0 | -0.17 | 0 | 0 |
| General And Administrative Expense | - | 23.42 | 28.65 | 33.34 | 39.84 |
| Other Gand A | 2.49 | - | - | - | - |
| Salaries And Wages | - | 22.57 | 27.10 | 31.71 | 37.88 |
| Insurance And Claims | - | 0.85 | 1.56 | 1.64 | 1.95 |
| Selling And Marketing Expense | - | 1.91 | 2.40 | 2.41 | 3.18 |
| 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 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Five Star Bancorpthis co. | FSBC | $922M | 14.97↑ premium | 2.07 | 13.8% | - |
| Esquire Financial Holdings, Inc. | ESQ | $938M | 18.46 | 3.24 | 17.5% | - |
| Ategrity Specialty Insurance Company Holdings | ASIC | $934M | 12.62 | 1.52 | 12.0% | - |
| Business First Bancshares, Inc. | BFST | $928M | 10.56 | 1.12 | 10.7% | - |
| TrustCo Bank Corp NY | TRST |
| - |
| - |
| - |
| - |
| $920M |
| 15.05 |
| 1.34 |
| 8.9% |
| - |
| CNB Financial Corporation | CCNE | $918M | 13.89 | 1.13 | 8.1% | - |
| Mercantile Bank Corporation | MBWM | $909M | 10.24 | 1.25 | 12.2% | - |
| Central Pacific Financial Corp. | CPF | $908M | 11.72 | 1.53 | 13.1% | - |
| Hanmi Financial Corporation | HAFC | $907M | 11.92 | 1.14 | 9.6% | - |
| Peer Median | - | 12.27 | 1.30 | 11.3% | - | |