Stocks FSBC Financial statements
Financial statementsFIVE STAR BANCORP financial statements
Income statement, balance sheet and cash flow statement for the last 6 fiscal years, taken from the XBRL data FIVE STAR BANCORP files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
| FY2021 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|
| Interest expense | 9.18 | 3.97 | 14.8 | 63.5 | ||
| Pre-tax income | 37.3 | 47.1 | 62.9 | 66.6 | 64.7 | 83.7 |
| Income tax | 1.33 | 4.71 | 18.1 | 18.9 | 19.1 | 22.1 |
| Net income | 35.9 | 42.4 | 44.8 | 47.7 | 45.7 | 61.6 |
| EPS, basic | 3.57 | 2.83 | 2.61 | 2.78 | 2.26 | 2.90 |
| EPS, diluted | 3.57 | 2.83 | 2.61 | 2.78 | 2.26 | 2.90 |
| Shares, basic (weighted) | 10.1 | 15 | 17.1 | 17.2 | 20.2 | 21.2 |
| Shares, diluted (weighted) | 10.1 | 15 | 17.2 | 17.2 | 20.2 | 21.3 |
| Dividend per share | 2.63 | 4.55 | 1.05 | 0.75 | 0.80 | 0.80 |
Balance sheet
| FY2021 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|
| Cash and equivalents | 290 | 425 | 260 | 322 | 352 | 507 |
| Property, plant and equipment | 1.66 | 1.77 | 1.61 | 1.62 | 1.58 | 2.11 |
| Lease right-of-use assets | 0 | 3.98 | 5.28 | 6.25 | 10.8 | |
| Total assets | 1,954 | 2,557 | 3,227 | 3,593 | 4,053 | 4,755 |
| Total liabilities | 1,820 | 2,322 | 2,974 | 3,307 | 3,657 | 4,309 |
| Retained earnings | 22.3 | 17.2 | 46.7 | 77 | 106 | 151 |
| Other comprehensive income | 1.35 | -0.57 | -13.5 | -11.8 | -12.4 | -9.14 |
| Shareholders' equity | 134 | 235 | 253 | 286 | 397 | 446 |
| Total equity | 134 | 235 | 253 | 286 | 397 | 446 |
| Total liabilities and equity | 1,954 | 2,557 | 3,227 | 3,593 | 4,053 | 4,755 |
| Shares outstanding | 11 | 17.2 | 17.2 | 17.3 | 21.3 | 21.4 |
Cash flow statement
| FY2021 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|---|---|
| Net income | 35.9 | 42.4 | 44.8 | 47.7 | 45.7 | 61.6 |
| Depreciation and amortization | 0.46 | 0.61 | 1.64 | 1.61 | 1.88 | 2.25 |
| Stock-based compensation | 0.32 | 1.44 | 1.1 | 0.96 | 1.16 | 1.46 |
| Deferred income tax | -4 | -1.94 | -0.9 | -0.24 | -0.58 | |
| Cash from operations | 51.5 | 28.7 | 46 | 38.9 | 51.8 | 72.6 |
| Capital expenditures | -0.83 | -0.72 | -0.48 | -0.65 | -0.63 | -1.2 |
| Purchases of investments | -99.7 | -2.64 | -1.15 | 0 | -1.03 | |
| Sales and maturities of investments | 16.1 | 18.7 | 15.5 | 10.1 | 8.45 | 9.32 |
| Cash from investing | -373 | -455 | -837 | -279 | -447 | -544 |
| Debt issued | 0 | 75 | 0 | 0 | ||
| Stock issued | 13.4 | 111 | 0 | 0 | 80.9 | 0 |
| Dividends paid | -51.9 | -15.3 | -12.9 | -16.2 | -17.1 | |
| Cash from financing | 434 | 561 | 626 | 302 | 426 | 626 |
| Net change in cash | 113 | 135 | -165 | 61.6 | 30.8 | 155 |
| Free cash flow | 50.6 | 27.9 | 45.5 | 38.3 | 51.2 | 71.4 |
| Interest paid | 9.71 | 4.51 | 1.35 | 61.9 | 87.1 | 97.6 |
| Income taxes paid | 1.66 | 10.5 | 5.2 | 20 | 16.9 | 25 |
Key metrics
Profitability
| Metric | Value | How it is calculated |
|---|---|---|
| Effective tax rate | 25.3% | Income tax / pre-tax income, when pre-tax income is positive. |
| Return on equity (ROE) | 15.2% | Net income / average shareholders' equity (opening and closing). Not shown when equity is negative. |
| Return on assets (ROA) | 1.3% | Net income / average total assets. |
Growth
| Metric | Value | How it is calculated |
|---|---|---|
| Net income growth, 1y | 34.9% | Net income vs the same period a year earlier. Only from a positive base. |
| Net income CAGR, 3y | 11.2% | Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Net income CAGR, 5y | 11.4% | Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| EPS growth, 1y | 28.3% | EPS vs the same period a year earlier. Only from a positive base. |
| EPS CAGR, 3y | 3.6% | Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| EPS CAGR, 5y | -4.1% | Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Operating cash flow growth, 1y | 40.2% | Operating cash flow vs the same period a year earlier. Only from a positive base. |
| Operating cash flow CAGR, 3y | 16.5% | Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Operating cash flow CAGR, 5y | 7.1% | Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Free cash flow growth, 1y | 39.6% | Free cash flow vs the same period a year earlier. Only from a positive base. |
| Free cash flow CAGR, 3y | 16.2% | Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Free cash flow CAGR, 5y | 7.1% | Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Dividend per share growth, 1y | 0.0% | Dividend per share vs the same period a year earlier. Only from a positive base. |
| Dividend per share CAGR, 3y | -8.7% | Compound annual growth of dividend per share over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Dividend per share CAGR, 5y | -21.2% | Compound annual growth of dividend per share over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Book value growth, 1y | 12.4% | Book value vs the same period a year earlier. Only from a positive base. |
| Book value CAGR, 3y | 20.8% | Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Book value CAGR, 5y | 27.2% | Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Total assets growth, 1y | 17.3% | Total assets vs the same period a year earlier. Only from a positive base. |
| Total assets CAGR, 3y | 13.8% | Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive. |
| Total assets CAGR, 5y | 19.5% | Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive. |
| Share count change, 1y | 5.3% | Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution. |
| Share count change per year, 3y | 7.4% | Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution. |
| Share count change per year, 5y | 16.2% | Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution. |
Balance sheet health
| Metric | Value | How it is calculated |
|---|---|---|
| Liabilities / assets | 91.2% | Total liabilities / total assets. |
| Tangible book value | $473.8M | Shareholders' equity - goodwill - intangible assets. |
Efficiency
| Metric | Value | How it is calculated |
|---|---|---|
| FCF conversion | 111.8% | Free cash flow / net income, when net income is positive. |
| Capex / operating cash flow | 1.8% | Capital expenditures / cash from operations, when that is positive. |
Per share
| Metric | Value | How it is calculated |
|---|---|---|
| EPS, diluted | $3.37 | Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS. |
| FCF per share | $3.77 | Free cash flow / diluted weighted shares. |
| Operating cash flow per share | $3.84 | Cash from operations / diluted weighted shares. |
| Book value per share | $22.14 | Shareholders' equity / shares outstanding (diluted weighted shares when not reported). |
| Tangible book per share | $22.14 | Tangible book value / shares outstanding. |
| Cash per share | $32.01 | (Cash + short-term investments) / shares outstanding. |
| Payout ratio | 26.7% | Dividends paid / net income, when net income is positive. |
| Dividends / FCF | 23.9% | Dividends paid / free cash flow, when free cash flow is positive. |
Valuation
| Metric | Value | How it is calculated |
|---|---|---|
| Market cap | $1.08B | Share price x shares outstanding. |
| Enterprise value | $390.4M | Market cap + total debt - cash - short-term investments. |
| P/E | 14.9x | Market cap / net income. Only when net income is positive. |
| P/B | 2.27x | Market cap / shareholders' equity. Only when equity is positive. |
| Price / tangible book | 2.27x | Market cap / tangible book value, when positive. |
| P/FCF | 13.4x | Market cap / free cash flow. Only when free cash flow is positive. |
| P/OCF | 13.1x | Market cap / cash from operations, when positive. |
| EV/FCF | 4.85x | Enterprise value / free cash flow, when both are positive. |
| FCF yield | 7.5% | Free cash flow / market cap. |
| Earnings yield | 6.7% | Net income / market cap (the inverse of P/E). |
| Dividend yield | 1.8% | Dividends paid over the period / market cap. |
| Shareholder yield | 1.8% | (Dividends paid + share buybacks) / market cap. |
| PEG | 4.18x | P/E / EPS growth per year over 3 years (in percent). Only when both are positive. |
Was FIVE STAR BANCORP profitable in fiscal 2025?
Yes. Net income was $61.6M, a net margin of -.
How much free cash flow did FIVE STAR BANCORP generate in fiscal 2025?
Cash from operations of $72.6M minus capital expenditures of $1.2M left free cash flow of $71.4M.