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FSBC

Five Star Bancorp

FSBC

Five Star Bancorp • NASDAQ
$34.49 ▼ -2.02% (-0.71)
Market Cap $736.96 M
52w High $37.74
52w Low $22.22
Dividend Yield 0.80%
P/E 12.77
Volume 42.40K
Outstanding Shares 21.37M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $66.494M ▲ $16.263M ▲ $16.344M ▲ 24.58% ▲ $0.77 ▲ $21.278M ▲
Q2-2025 $61.967M ▲ $15.303M ▲ $14.508M ▲ 23.412% ▲ $0.68 ▲ $20.544M ▲
Q1-2025 $58.127M ▼ $14.726M ▲ $13.111M ▼ 22.556% ▲ $0.62 ▼ $18.852M ▼
Q4-2024 $59.09M ▲ $14.167M ▲ $13.317M ▲ 22.537% ▲ $0.63 ▲ $19.837M ▲
Q3-2024 $53.756M $13.484M $10.941M 20.353% $0.52 $15.71M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $639.907M ▲ $4.642B ▲ $4.21B ▲ $431.308M ▲
Q2-2025 $543.256M ▼ $4.413B ▲ $3.997B ▲ $416.742M ▲
Q1-2025 $553.706M ▲ $4.245B ▲ $3.839B ▲ $406.451M ▲
Q4-2024 $454.658M ▲ $4.053B ▲ $3.657B ▲ $396.624M ▲
Q3-2024 $359.208M $3.887B $3.497B $389.93M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $14.508M ▲ $17.79M ▲ $-140.547M ▼ $153.996M ▼ $31.239M ▼ $17.546M ▲
Q1-2025 $13.111M ▼ $15.472M ▼ $-89.338M ▼ $174.094M ▲ $100.228M ▼ $15.372M ▼
Q4-2024 $13.317M ▲ $17.994M ▲ $-70.254M ▲ $153.751M ▼ $101.491M ▲ $17.888M ▲
Q3-2024 $10.941M ▲ $17.521M ▲ $-203.112M ▼ $246.084M ▲ $60.493M ▲ $17.311M ▲
Q2-2024 $10.782M $16.024M $-161.455M $150.465M $5.034M $15.82M

Revenue by Products

Product Q1-2019Q2-2019Q3-2019Q4-2019
Atm Fees
Atm Fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Credit And Debit Card
Credit And Debit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Debit Card
Debit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲
Financial Service
Financial Service
 $0 ▲$0 ▲$0 ▲$0 ▲
Insufficient Funds Fee
Insufficient Funds Fee
 $0 ▲$0 ▲$0 ▲$0 ▲
Insurance Commission Income
Insurance Commission Income
 $0 ▲$0 ▲$0 ▲$0 ▲
Securities Commission Income
Securities Commission Income
 $0 ▲$0 ▲$0 ▲$0 ▲
Service
Service
 $0 ▲$0 ▲$0 ▲$0 ▲
Mortgage Banking
Mortgage Banking
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Five Star Bancorp has grown its revenue steadily over the past several years, showing that the core banking franchise is expanding. However, profit per share has slipped from earlier highs, suggesting that rising costs of funding, competition for deposits, or higher credit costs are pressuring margins. Overall profitability remains healthy for a regional bank, but earnings are no longer climbing in line with revenue, which is something to watch if interest rates or credit quality move against the bank.

Balance Sheet

Balance Sheet The balance sheet shows strong growth in total assets, meaning the bank has been building its loan book and customer base at a solid pace. Equity has increased meaningfully, indicating retained profits and a stronger capital base to absorb shocks. Debt usage rose during the growth phase and then eased back more recently, which points to some balance sheet discipline after a period of expansion. The main trade‑off is that fast asset growth in a concentrated region can increase exposure to local economic downturns, so the quality of those loans is a key underlying risk factor even though the headline balance sheet looks robust.

Cash Flow

Cash Flow Cash generation from operations has been consistently positive and closely tracks reported profits, which is a good sign that earnings are backed by real cash, not accounting adjustments. Free cash flow is essentially the same as operating cash flow because the bank’s capital spending needs are modest, reflecting the asset‑light nature of banking. There are no signs of major cash flow stress or volatility in the recent history, but also no obvious step‑change higher, so the story here is one of steady, predictable cash rather than explosive growth.

Competitive Edge

Competitive Edge Five Star Bancorp operates as a focused community and business bank in Northern California, leaning heavily on relationships, local knowledge, and service quality rather than scale. Its edge comes from specialization in business clients, commercial real estate, professional practices, agribusiness, and venture/technology banking, combined with a “concierge” style of service. The bank is actively hiring experienced bankers—especially in the Bay Area—to bring over client relationships, which strengthens its presence in attractive markets. On the other hand, it faces intense competition from large national banks and digital players, and its geographic and sector focus leaves it more exposed to regional economic swings and local real estate cycles.

Innovation and R&D

Innovation and R&D Instead of traditional R&D, the bank invests in digital capabilities and ecosystem partnerships. Its “high‑tech, high‑touch” approach blends a modern digital platform for business clients—online and mobile banking, advanced security, integrated invoicing and payments—with personalized relationship banking. It also embeds itself in the local startup and innovation community through initiatives like “Five Star Bank Tank” and partnerships with regional accelerators and innovation hubs. Looking ahead, incremental upgrades to digital tools, expansion of specialized banking verticals, and selective moves into new markets or acquisitions are likely to be the main innovation levers rather than radical technology bets.

Summary

Five Star Bancorp is a fast‑growing regional business bank with a clear strategic identity: relationship‑driven, locally rooted, and digitally capable. Financially, it has grown its balance sheet and revenue at a healthy pace while maintaining solid profitability and stable cash flows, though recent profit trends show some margin pressure. The balance sheet appears stronger than a few years ago, with more capital and a more measured use of debt, but rapid growth and regional concentration raise the usual credit and concentration risks typical for a focused community bank. Competitively, its niche positioning with business clients, sector specialization, and community engagement create a meaningful local moat, even as it competes head‑to‑head with much larger institutions. Future performance will depend on how well it manages credit quality through cycles, executes its Bay Area expansion, and continues to enhance its digital and specialized offerings without losing the high‑touch service that differentiates it.

NEWS

November 20, 2025 · 12:30 PM UTC

Five Star Bank's CEO James Beckwith named Sacramentan of the Year

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October 27, 2025 · 6:30 PM UTC

Five Star Bancorp Announces Third Quarter 2025 Results

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October 17, 2025 · 12:30 PM UTC

Five Star Bancorp Declares Third Quarter Cash Dividend

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October 14, 2025 · 12:30 PM UTC

Five Star Bancorp Announces Third Quarter 2025 Earnings Release Date and Webcast

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September 30, 2025 · 12:30 PM UTC

Five Star Bank Expands to Thriving Community of Walnut Creek

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