Five Star Bancorp (FSBC)
Operating cash flow minus capital spending left $71.4M of free cash flow in fiscal 2025. At September 30, 2026 it held $679.5M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 5, 2026.
Key facts about Five Star Bancorp
- Net worth
- Five Star Bancorp has a market value (market cap) of $1.1B at the latest share price, and shareholders' equity of $617.2M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $72.6M of cash; after $1.2M of capital spending, free cash flow was $71.4M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 5, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Five Star Bancorp's next report is expected around January 26, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Five Star Bancorp paid dividends of $0.80 per share in fiscal 2025, a yield of 1.81% at the current price.
What Five Star Bancorp does
Five Star Bancorp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker FSBC.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $61.6M | $2.90 | $71.4M |
| 2024 | n/a | $45.7M | $2.26 | $51.2M |
| 2023 | n/a | $47.7M | $2.78 | $38.3M |
| 2022 | n/a | $44.8M | $2.61 | $45.5M |
| 2021 | n/a | $42.4M | $2.83 | $27.9M |
| 2021 | n/a | $35.9M | $3.57 | $50.6M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Five Star Bancorp paid $0.80 per share in fiscal 2025. At the current price that is a yield of 1.81%. It paid out $17.1M in cash dividends, 28% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.80 | $17.1M | 28% |
| 2024 | $0.80 | $16.2M | 36% |
| 2023 | $0.75 | $12.9M | 27% |
| 2022 | $1.05 | $15.3M | 34% |
| 2021 | $4.55 | $51.9M | 122% |
| 2021 | $2.63 | n/a | n/a |
Latest SEC filings
What Five Star Bancorp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 9, 2026
- November 5, 2026
- October 27, 2026
- October 19, 2026
- October 14, 2026
- September 17, 2026Executive or director change8-KFive Star Bancorp appointed Lydia Ramirez as Executive Vice President and Chief External Affairs Officer and expanded Chief Financial Officer Heather Luck's role to oversee Operations.
- September 10, 2026
- August 6, 2026
- July 23, 2026
- July 22, 2026
Insider trades
What the people running Five Star Bancorp did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $193.5K worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 5, 2026 | Kurtze Don JustinEVP, SF Bay Area President | Sold | 0 | $13.8 |
| November 4, 2026 | Myers Christopher DDirector | Received as pay | 248 | - |
| November 2, 2026 | Ramirez-Medina Lydia AnnEVP, Chief Ext Affairs Officer | Sold | 4,307 | $193.5K |
| October 29, 2026 | Reynoso Randall EDirector | Received as pay | 211 | - |
| October 29, 2026 | Perry-Smith Robert TruxtunDirector | Received as payindirect | 255 | - |
| August 4, 2026 | Allbaugh Larry EugeneDirector, 10% owner | Gave as a giftindirect | 50,000 | - |
| July 22, 2026 | Ramos Kevin FrancisDirector | Boughtindirect | 5,682 | $250K |
| July 22, 2026 | Riggs Judson TeichertDirector | Boughtindirect | 2,273 | $100K |
Who owns FSBC
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| T. Rowe Price Investment Management, Inc.13G, passive | 9.5% | November 14, 2024 |
| Davis Partnership, L.P.13G, passive with 3 related filers | 7.1% | February 13, 2025 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 167 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| Davis Asset Management, L.P. | 1,511,500 | 0 |
| BlackRock, Inc. | 1,331,191 | +139,856 |
| Vanguard Capital Management LLC | 651,095 | -10,232 |
| American Century Companies Inc | 528,934 | +69,619 |
| Geode Capital Management, LLC | 475,523 | +71,113 |
| Captrust Financial Advisors | 467,107 | +127 |
| Franklin Resources Inc | 431,434 | -41,825 |
| Dimensional Fund Advisors LP | 383,908 | +61,970 |
| State Street Corp | 365,823 | +17,516 |
| Invesco Ltd. | 310,244 | +12,918 |
| Adage Capital Partners GP, L.L.C. | 305,181 | -203,146 |
| Nuveen, LLC | 298,272 | +263,126 |
| Kennedy Capital Management LLC | 292,192 | -85,393 |
| Pacific Ridge Capital Partners, LLC | 172,850 | -3,901 |
| Hotchkis & Wiley Capital Management LLC | 164,330 | -1,900 |
| Northern Trust Corp | 148,575 | +6,754 |
| Brighton Jones LLC | 142,146 | +35 |
| Charles Schwab Investment Management Inc | 137,150 | +2,722 |
| Bragg Financial Advisors, Inc | 137,061 | +522 |
| Vanguard Portfolio Management LLC | 135,768 | +17,574 |
Insiders
19 insiders reported holding 1,702,689 shares in total, about $75.4M at the last price.
| Holder | Shares |
|---|---|
| Beckwith James EugenePresident & CEO, Director | 466,586466,586 held indirectly |
| Perry-Smith Robert TruxtunDirector | 259,153259,153 held indirectly |
| Allbaugh Larry EugeneDirector, 10% owner | 210,695210,695 held indirectly |
| Nickum David FrankDirector | 179,876179,876 held indirectly |
| Ramos Kevin FrancisDirector | 177,546177,546 held indirectly |
| Riggs Judson TeichertDirector | 87,53187,531 held indirectly |
| Deary-Bell ShannonDirector | 85,24485,244 held indirectly |
| Rizzo Michael AnthonyEVP, Chief Banking Officer | 36,08436,084 held indirectly |
| Lee Michael EugeneSVP, Chief Regulatory Officer | 33,66933,669 held indirectly |
| Dalton John WilliamSVP, Chief Credit Officer | 32,662 |
Questions about FSBC
What does Five Star Bancorp do?
Five Star Bancorp is a company in the Finance sector, listed on NASDAQ as FSBC. Its shares trade on NASDAQ under the ticker FSBC.
What is Five Star Bancorp's net worth?
Five Star Bancorp has a market value (market cap) of $1.1B at the latest share price, and shareholders' equity of $617.2M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Five Star Bancorp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $77.6M.
When did Five Star Bancorp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 5, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the executive or director change from November 9, 2026.
When is Five Star Bancorp's next earnings report?
Five Star Bancorp's next report is expected around January 26, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Five Star Bancorp pay a dividend?
Yes. Five Star Bancorp paid dividends of $0.80 per share in fiscal 2025, a yield of 1.81% at the current price.
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Where the numbers come from
Financial figures are the values Five Star Bancorp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.