About Five Star Bancorp
https://www.fivestarbank.comFive 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.
CEO
James Eugene Beckwith
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2016-07-15 | Forward | 2721:2500 |
ETFs Holding This Stock
VTS.AX
Weight:0.00%
Shares:474.54K
XSU.TO
Weight:0.02%
Shares:411.13K
IWM
Weight:0.02%
Shares:411.13K
Summary
Showing Top 3 of 82
Ratings Snapshot
Rating : A-
Most Recent Analyst Grades
Keefe, Bruyette & Woods
Market Perform
Raymond James
Outperform
DA Davidson
Buy
Stephens & Co.
Overweight
Grade Summary
Showing Top 4 of 4
Price Target
Institutional Ownership
T. ROWE PRICE INVESTMENT MANAGEMENT, INC.
Shares:2M
Value:$75.33M
DAVIS ASSET MANAGEMENT, L.P.
Shares:1.51M
Value:$56.97M
BLACKROCK, INC.
Shares:1.23M
Value:$46.47M
Summary
Showing Top 3 of 128
About Five Star Bancorp
https://www.fivestarbank.comFive 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.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $66.49M ▲ | $16.26M ▲ | $16.34M ▲ | 24.58% ▲ | $0.77 ▲ | $21.28M ▲ |
| Q2-2025 | $61.97M ▲ | $15.3M ▲ | $14.51M ▲ | 23.41% ▲ | $0.68 ▲ | $20.54M ▲ |
| Q1-2025 | $58.13M ▼ | $14.73M ▲ | $13.11M ▼ | 22.56% ▲ | $0.62 ▼ | $18.85M ▼ |
| Q4-2024 | $59.09M ▲ | $14.17M ▲ | $13.32M ▲ | 22.54% ▲ | $0.63 ▲ | $19.84M ▲ |
| Q3-2024 | $53.76M | $13.48M | $10.94M | 20.35% | $0.52 | $15.71M |
What's going well?
Revenue and profits are both up, with net income rising 13%. Margins are improving slightly, and costs are well controlled. Earnings per share also increased, rewarding shareholders.
What's concerning?
Interest expense is high and rising, which eats into profits. The company has no spending on R&D, which could limit future growth or innovation.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $639.91M ▲ | $4.64B ▲ | $4.21B ▲ | $431.31M ▲ |
| Q2-2025 | $543.26M ▼ | $4.41B ▲ | $4B ▲ | $416.74M ▲ |
| Q1-2025 | $553.71M ▲ | $4.25B ▲ | $3.84B ▲ | $406.45M ▲ |
| Q4-2024 | $454.66M ▲ | $4.05B ▲ | $3.66B ▲ | $396.62M ▲ |
| Q3-2024 | $359.21M | $3.89B | $3.5B | $389.93M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q2-2025 | $14.51M ▲ | $17.79M ▲ | $-140.55M ▼ | $154M ▼ | $31.24M ▼ | $17.55M ▲ |
| Q1-2025 | $13.11M ▼ | $15.47M ▼ | $-89.34M ▼ | $174.09M ▲ | $100.23M ▼ | $15.37M ▼ |
| Q4-2024 | $13.32M ▲ | $17.99M ▲ | $-70.25M ▲ | $153.75M ▼ | $101.49M ▲ | $17.89M ▲ |
| Q3-2024 | $10.94M ▲ | $17.52M ▲ | $-203.11M ▼ | $246.08M ▲ | $60.49M ▲ | $17.31M ▲ |
| Q2-2024 | $10.78M | $16.02M | $-161.46M | $150.47M | $5.03M | $15.82M |
Revenue by Products
| Product | Q4-2019 | Q1-2019 | Q2-2019 | Q3-2019 |
|---|---|---|---|---|
 Atm Fees | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Credit And Debit Card | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Debit Card | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Deposit Account | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Financial Service | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Insufficient Funds Fee | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Insurance Commission Income | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Mortgage Banking | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Securities Commission Income | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Service | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
CEO
James Eugene Beckwith
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2016-07-15 | Forward | 2721:2500 |
ETFs Holding This Stock
VTS.AX
Weight:0.00%
Shares:474.54K
XSU.TO
Weight:0.02%
Shares:411.13K
IWM
Weight:0.02%
Shares:411.13K
Summary
Showing Top 3 of 82
Ratings Snapshot
Rating : A-
Most Recent Analyst Grades
Keefe, Bruyette & Woods
Market Perform
Raymond James
Outperform
DA Davidson
Buy
Stephens & Co.
Overweight
Grade Summary
Showing Top 4 of 4
Price Target
Institutional Ownership
T. ROWE PRICE INVESTMENT MANAGEMENT, INC.
Shares:2M
Value:$75.33M
DAVIS ASSET MANAGEMENT, L.P.
Shares:1.51M
Value:$56.97M
BLACKROCK, INC.
Shares:1.23M
Value:$46.47M
Summary
Showing Top 3 of 128