1. MARKETS
  2. SECTOR : BANKING & FINANCE
  3. INDUSTRY : REGIONAL & COMMUNITY BANKS
  4. FIVE STAR BANCORP
Five Star Bancorp
XNAS: FSBC
42.72-0.04(-0.09%)
125.3K
XNAS Volume

XNAS 13 Oct, 2026 5:30 PM (EDT)

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Five Star Bancorp quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Five Star Bancorp share price target, revenues, EPS, net income and more

Five Star Bancorp quarterly results: revenue, profit, and P&L – 13 quarter history

  • POSITIVE

    Quarterly Revenue Five Star Bancorp Jun-2026 Quarterly Revenue is $48 Million which is growth of 25.7% YoY.

  • POSITIVE

    Quarterly Net Profit Five Star Bancorp Jun-2026 Quarterly Net Profit is $19 Million which is growth of 33.7% YoY.

Five Star Bancorp, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
47.744.943.14137.93534.831.530.428.328.428.530.1
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------8.37.87.6
Operating Profit
----------
-------------
Profit Before Tax
26.1252322.220.118.419.415.215.21515.215.817.2
Tax
6.76.45.45.95.65.36.14.34.44.34.44.84.4
⌄
19.418.617.616.314.513.113.310.910.810.610.81112.7
Diluted NI Avail to Com Stockholders Ann.
19.418.617.616.314.513.113.310.910.810.610.81112.7
Basic EPS
0.90.90.80.80.70.60.60.50.50.60.60.60.7
Diluted EPS After ExtraOrdinary
0.90.90.80.80.70.60.60.50.50.60.60.60.7
Number Of Shares End
21.321.321.221.221.221.221.221.22117.217.217.217.2
Net Income Continuing Discontinued Operations
19.418.617.616.314.513.113.310.910.810.610.81112.7
Normalized Income
19.419.516.717.614.513.313.311.210.611.11111.212.9
Interest Income
72.367.466.464.860.657.157.752.74947.546.245.142.8
Interest
26.223.924.425.524.123.124.322.319.920.819.517.615.2
Net Interest Income
46.143.542.139.436.53433.530.429.126.726.727.527.6
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
0.60.62.3-10.50.50.50.50.50.50.40.40.4
Profit From Continuing Operations
19.418.617.616.314.513.113.310.910.810.610.81112.7
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD

Five Star Bancorp competitor comparison and performance snapshot within industry

Five Star Bancorp annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

  • POSITIVE

    Annual Revenue Five Star Bancorp Dec-2025 Annual Revenue is $157 Million which is growth of 25.7% YoY.

  • POSITIVE

    Annual Net Profit Five Star Bancorp Dec-2025 Annual Net Profit is $62 Million which is growth of 34.9% YoY.

Five Star Bancorp, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19
13%
16.3%
 157125117.2108.983.973.858
Cost Of Rev. Ann.
-
-
 -------
Gross Profit Ann.
-
-
 -------
Operating Exp. Ann.
-
-
 ---63.5-14.9-4-9.2-11.6
Operating Profit Ann.
-
-
 --180.7123.887.88369.6
-
-
 -------
Other Exp. Ann.
-
-
 -------
PBT Ann.
10%
17.5%
96.483.764.766.662.947.237.330.4
Tax Ann.
6.9%
76.2%
24.422.119.118.918.14.71.31.1
⌄
11.2%
11.4%
7261.645.747.744.842.435.929.3
Diluted NI Avail to Com Stockholders Ann.
11.2%
11.4%
7261.645.747.744.842.435.929.3
EPS Ann.
3.7%
5.7%
 2.92.32.82.62.82.21.8
Diluted EPS Ann.
3.7%
5.7%
 2.92.32.82.62.82.21.8
Number Of Shares End
7.4%
5.4%
 21.221.217.217.117.116.3-
Total Exp. Ann.
-
-
 -------
Net Income Continuing Discontinued Operations Ann.
11.2%
11.4%
7261.645.747.744.842.435.929.3
Normalized Income Ann.
10.9%
11.2%
73.162.146.148.445.54336.530
Interest Income Ann.
28.3%
27.3%
270.9248.9207174.4117.981.674.464.7
Interest Ann.
86.7%
60.2%
1009787.263.514.949.211.6
EBITDA Ann.
-
-
 -------
Reconciled Cost Of Rev. Ann.
-
-
 -------
Reconciled Depr. Ann.
12.9%
35.7%
2.52.31.91.61.60.60.50.4
Profit From Continuing Operations Ann.
11.2%
11.4%
7261.645.747.744.842.435.929.3
Normalized EBITDA Ann.
-
-
 -------
*All financials are in USD Million and price data in USD
Total Rev. Ann.
1Y CHG
25.6%
2Y CAGR
15.7%
3Y CAGR
13%
5Y CAGR
16.3%
Net Profit Ann.
1Y CHG
34.8%
2Y CAGR
13.6%
3Y CAGR
11.2%
5Y CAGR
11.4%

Five Star Bancorp balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

  • POSITIVE

    Total Shareholders Fund Five Star Bancorp Dec-2025 Total Shareholders Fund is $446 Million which is growth of 12.4% YoY.

  • POSITIVE

    Total Assets Five Star Bancorp Dec-2025 Total Assets is $4,755 Million which is growth of 17.3% YoY.

Five Star Bancorp, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19
13.8%
19.5%
4,754.94,053.33,593.13,227.22,556.81,953.81,479.9
⌄
13.2%
18.8%
4,3093,656.73,307.42,974.32,321.71,8201,371
⌄
20.8%
27.2%
445.8396.6285.8252.8235.1133.8108.9
Total Capitalization Ann.
6.8%
26.2%
519.9470.5529.5426.4263.4162.1162.1
Tangible Assets Ann.
20.8%
27.2%
445.8396.6285.8252.8235.1133.8108.9
Working Capital Ann.
-
-
--
Invested Capital Ann.
6.8%
26.2%
519.9470.5529.5426.4263.4162.1162.1
Tangible Book Value Ann.
20.8%
27.2%
445.8396.6285.8252.8235.1133.8108.9
Borrowings Ann.
-21.5%
24.9%
85.980.8249.4177.928.428.353.3
Net Debt Ann.
-
-
-------
Share Issued Ann.
7.6%
5.6%
21.421.317.317.217.216.316.3
Number Of Shares End
7.4%
5.4%
21.221.217.217.117.116.3-
*All financials are in USD Million and price data in USD
Total Assets Ann.
1Y CHG
17.3%
2Y CAGR
15%
3Y CAGR
13.8%
5Y CAGR
19.5%
Total ShareHolders Funds Ann.
1Y CHG
12.4%
2Y CAGR
24.9%
3Y CAGR
20.8%
5Y CAGR
27.2%

Five Star Bancorp ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

  • POSITIVE

    Book Value Per Share Five Star Bancorp Book Value Per Share is $21 which is growth of 12.2% YoY.

  • NEUTRAL

    ROE Five Star Bancorp ROE is 0% which is growth of 0% YoY.

Five Star Bancorp, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19
RoA Ann. %
-
-
-1.19%1.40%1.55%1.88%2.09%1.98%
ROE Ann. %
-
-
-13.39%17.73%18.37%23.01%29.61%26.91%
ROIC %
-
-
-------
OPM Ann. %
-
-
--154.18%113.63%104.74%112.44%120.06%
Inventory Turnover Ratio Ann.
-
-
-------
Asset Turnover Ann. %
-
-
-000000
Working Capital Turnover Ann.
-
-
-------
Quick Ratio Ann.
-
-
-------
Current Ratio Ann.
-
-
-------
Interest Coverage Ratio Ann.
-
-
-------
LT Debt To Equity Ann.
-
-
-0.20.90.70.10.20.5
*All financials are in USD Million and price data in USD

Five Star Bancorp cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

  • POSITIVE

    Cash From Operating Activity Five Star Bancorp Dec-2025 Cash From Operating Activity is $73 Million which is growth of 40.2% YoY.

  • POSITIVE

    Net Cash Flow Five Star Bancorp Dec-2025 Net Cash Flow is $155 Million which is growth of 402.2% YoY.

Five Star Bancorp, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19
16.4%
7.1%
72.651.838.94628.751.528.9
-
-
-544.1-446.7-279.3-836.9-455-372.6-230.4
0%
7.6%
626425.7302625.6561.2434.3175.5
Cash Plus Cash Eqv. End Of Year Ann.
24.9%
11.8%
506.9352.3321.6260425.3290.5177.4
Net Increase In Cash Plus Cash Eqv.s Ann.
-
6.4%
154.530.861.6-165.3134.8113.1-25.9
Cash Plus Cash Eqv. Begin Of Year Ann.
-6.1%
14.7%
352.3321.6260425.3290.5177.4203.3
Income Tax Paid Supplemental Data Ann.
68.8%
71.2%
2516.9205.210.51.71.2
Interest Paid Supplemental Data Ann.
321.9%
58.7%
97.687.161.91.34.59.711.4
Capex Ann.
-
-
-1.2-0.6-0.7-0.5-0.7-0.8-0.5
Issuance Of Capital Stock Ann.
-10.1%
28.9%
80.9-111.213.422.7
Issuance Of Debt Ann.
-
-
70175-28.8
Repayment Of Debt Ann.
-
-
--170-28.8-25-
Repurchase Of Capital Stock Ann.
-
-
-------
Free Cash Flow Ann.
16.2%
7.1%
71.451.238.345.527.950.628.4
*All financials are in USD Million and price data in USD
Cash from Operating Act. Ann.
1Y CHG
40.2%
2Y CAGR
36.6%
3Y CAGR
16.4%
5Y CAGR
7.1%
Cash from Financing Act. Ann.
1Y CHG
47.1%
2Y CAGR
44%
3Y CAGR
0%
5Y CAGR
7.6%