Five Star Bancorp FSBC R2K

Financial Services · Banks - Regional · United States

https://www.fivestarbank.com

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.

Market & Price

Market Cap

$902.71M

Current Price

$42.23

High / Low (52W)

$42.35 / $25.80

Beta

0.53

Valuation

Stock P/E

13.41

Industry PE

12.01

Forward P/E

10.68

PEG Ratio

Book Value

$21.45

Price to Book

1.97

P/S

5.72

EV/EBITDA

Dividend Yield

2.37%

Profitability & Returns

ROCE

ROE

15.52%

ROA

1.45%

Profit Margin

42.55%

Op Margin

60.28%

EPS (Latest Qtr)

$0.87

EPS (TTM)

$3.15

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$85.62M

Total Assets

$4.75B

Current Assets

Working Capital

Ownership

Promoter Holding

28.11%

Chg in Prom Hold

FII / Inst Holding

59.34%

Chg in FII Hold

0.00%

Financial Snapshot

Enterprise Value

$343.88M

Total Revenue (TTM)

$157.73M

EBITDA

Free Cash Flow

Operating Cash Flow

$76.07M

Shares Outstanding

21.38M

Gross Margin

0.00%

Payout Ratio

26.98%

Growth (CAGR)

Revenue 5Y

12.96%

Profit 5Y

11.20%

Revenue (YoY)

26.90%

Earnings (YoY)

40.70%

PROS

Excellent profit margin of 42.6%.
Compounding revenue at 13.0% over 5 years.
Profit CAGR of 11.2% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	FSBC Five Star Bancorp R2K	42.23	13.41	$902.71M	2.37%	-	15.52%	12.96%	11.20%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	35.02M	37.90M	41.00M	43.10M	44.85M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	23.11M	24.07M	25.50M	24.36M	23.89M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18.39M	20.10M	22.23M	23.01M	25.03M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.28M	5.59M	5.89M	5.37M	6.41M
Net Income	7.01M	10.12M	9.34M	10.28M	9.83M	11.03M	9.86M	9.95M	11.70M	13.16M	12.73M	11.04M	10.63M	10.78M	10.94M	13.11M	14.51M	16.34M	17.64M	18.62M
Diluted EPS	720.00	1.05	0.94	0.93	0.67	0.64	0.58	0.58	0.68	0.77	0.74	0.64	0.62	0.51	0.52	0.62	0.68	0.77	0.83	0.87

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	108.94M	117.20M	124.96M	157.02M
Cost of Revenue	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-
Interest Expense	-	-	14.85M	63.50M	87.24M	97.03M
Pretax Income	-	-	62.86M	66.62M	64.72M	83.73M
Tax Provision	-	-	18.06M	18.88M	19.05M	22.13M
Net Income	35.93M	-	44.80M	47.73M	45.67M	61.61M
Diluted EPS	3.57	-	2.61	2.78	2.26	2.90

Compounded Sales Growth

5 Years:	12.96%
1 Year:	26.90%

Compounded Profit Growth

5 Years:	11.20%
1 Year:	40.70%

Stock Price Performance

1 Year:	+54.84%
6 Months:	+21.71%
3 Months:	+9.14%
1 Month:	+5.01%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	1.95B	-	3.23B	3.59B	4.05B	4.75B
Current Assets	-	-	-	-	-	-	-
Cash & Equivalents	177.37M	290.49M	-	269.84M	327.43M	356.46M	506.95M
Inventory	-	-	-	-	-	-	-
Receivables	-	-	-	7.45M	8.97M	10.29M	11.90M
Total Liabilities	-	1.82B	-	2.97B	3.31B	3.66B	4.31B
Current Liabilities	-	-	-	-	-	-	-
Long Term Debt	-	-	-	173.61M	243.75M	73.89M	74.04M
Total Debt	-	-	-	177.85M	249.35M	80.75M	85.91M
Total Equity	108.88M	133.78M	-	252.82M	285.77M	396.62M	445.83M
Shares Outstanding	-	-	-	17.24M	17.26M	21.32M	21.37M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	51.48M	-	45.98M	38.91M	51.79M	72.61M
Investing Cash Flow	-372.63M	-	-836.92M	-279.28M	-446.74M	-544.11M
Financing Cash Flow	434.28M	-	625.61M	301.95M	425.73M	626.00M
Capital Expenditure	-833.00K	-	-481.00K	-653.00K	-628.00K	-1.20M
Free Cash Flow	50.64M	-	45.49M	38.26M	51.16M	71.42M
Net Change in Cash	-	-	-165.34M	61.59M	30.77M	154.51M
Dividends Paid	-	51.94M	15.30M	12.94M	16.24M	17.09M

Ratios (Annual)

Figures in %.

Metric	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-
Net Margin %	-	-	41.1%	40.7%	36.5%	39.2%
ROE %	26.9%	-	17.7%	16.7%	11.5%	13.8%
ROCE %	-	-	-	-	-	-

Shareholding Pattern

Insiders

28.11%

Institutions

59.34%

Public Float

82.53%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	T. Rowe Price Investment Management, Inc.	9.47%	2.02M	$85.45M
2	Davis Asset Management, L.P.	7.07%	1.51M	$63.83M
3	Blackrock Inc.	5.57%	1.19M	$50.31M
4	Vanguard Capital Management LLC	3.09%	661.33K	$27.93M
5	Adage Capital Partners GP L.L.C.	2.38%	508.33K	$21.47M
6	Franklin Resources, Inc.	2.21%	473.26K	$19.99M
7	CAPTRUST Financial Advisors	2.18%	466.98K	$19.72M
8	American Century Companies Inc	2.15%	459.31K	$19.40M
9	Geode Capital Management, LLC	1.89%	404.41K	$17.08M
10	Kennedy Capital Management, LLC	1.77%	377.58K	$15.95M

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FSBC · Financial Services