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Financials · FSBC

Five Star Bancorp (FSBC) financials

For the twelve months ended Jun 30, 2026, Five Star Bancorp reported $177.83M of revenue and $72.01M of net income.

Revenue, TTM
$177.83M
Revenue growth, YoY
+26.5%
Net income, TTM
$72.01M
Net income growth, YoY
+38.8%
Net margin
40.5%
Free cash flow, TTM
$80.49M
EPS, diluted, TTM
$3.38
EPS growth, YoY
+39.1%
Cash
$685.07M
P/E
15.45
P/S
6.25
Market cap
$1.11B
Annual revenue$158.44M
FY2020FY2025
Annual net income$61.61M
FY2020FY2025
Annual free cash flow$71.42M
FY2020FY2025

FSBC revenue and earnings growth

FSBC revenueQ2 2026$47.95M

Quarter YoY
+25.1%
QoQ
+6.3%
FY YoY
+25.6%
5Y CAGR
+16.3%

FSBC revenue was $47.95M in fiscal Q2 2026 (ended Jun 30, 2026), up 25.1% from a year earlier and up 6.3% from the prior quarter. For the full fiscal 2025 it was $158.44M, up 25.6% from fiscal 2024. Compound annual growth was +16.3% over 5 years. It rose in each of the last 5 fiscal years. Fiscal 2025 is the highest of the 6 fiscal years on file.

FSBC net incomeQ2 2026$19.40M

Quarter YoY
+33.7%
QoQ
+4.2%
FY YoY
+34.9%
5Y CAGR
+11.4%

FSBC net income was $19.40M in fiscal Q2 2026 (ended Jun 30, 2026), up 33.7% from a year earlier and up 4.2% from the prior quarter. For the full fiscal 2025 it was $61.61M, up 34.9% from fiscal 2024. Compound annual growth was +11.4% over 5 years. It rose in 4 of the last 5 fiscal years. Fiscal 2025 is the highest of the 6 fiscal years on file.

FSBC EPSQ2 2026$0.91

Quarter YoY
+33.8%
QoQ
+4.6%
FY YoY
+28.3%

FSBC diluted EPS was $0.91 in fiscal Q2 2026 (ended Jun 30, 2026), up 33.8% from a year earlier and up 4.6% from the prior quarter. For the full fiscal 2025 it was $2.90, up 28.3% from fiscal 2024.

FSBC free cash flowQ2 2026$23.24M

Quarter YoY
+32.4%
QoQ
+23.9%
FY YoY
+39.6%
5Y CAGR
+7.1%

FSBC free cash flow was $23.24M in fiscal Q2 2026 (ended Jun 30, 2026), up 32.4% from a year earlier and up 23.9% from the prior quarter. For the full fiscal 2025 it was $71.42M, up 39.6% from fiscal 2024. Compound annual growth was +7.1% over 5 years. It rose in 3 of the last 5 fiscal years. Fiscal 2025 is the highest of the 6 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
Revenue$158.44M$126.16M$118.39M$110.23M$84.89M$74.51M
Interest expense--$63.50M$14.85M$3.97M$9.18M
Pre-tax income$83.73M$64.72M$66.62M$62.86M$47.15M$37.26M
Income tax$22.13M$19.05M$18.88M$18.06M$4.71M$1.33M
Net income$61.61M$45.67M$47.73M$44.80M$42.44M$35.93M
EPS, basic$2.90$2.26$2.78$2.61$2.83$3.57
EPS, diluted$2.90$2.26$2.78$2.61$2.83$3.57
Diluted shares21.3M20.2M17.2M17.2M15.0M10.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
Cash and equivalents$506.85M$352.34M$321.58M$259.99M$425.33M$290.49M
Total assets$4.75B$4.05B$3.59B$3.23B$2.56B$1.95B
Total liabilities$4.31B$3.66B$3.31B$2.97B$2.32B$1.82B
Shareholders' equity$445.83M$396.62M$285.77M$252.82M$235.05M$133.78M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
Operating cash flow$72.61M$51.79M$38.91M$45.98M$28.66M$51.48M
Capital expenditures$1.20M$628.0K$653.0K$481.0K$717.0K$833.0K
Free cash flow$71.42M$51.16M$38.26M$45.49M$27.94M$50.64M
Investing cash flow-$544.11M-$446.74M-$279.28M-$836.92M-$455.01M-$372.63M
Financing cash flow$626.00M$425.73M$301.95M$625.61M$561.19M$434.28M
Dividends paid$17.09M$16.24M$12.94M$15.30M$51.94M-
Stock-based compensation$1.46M$1.16M$962.0K$1.10M$1.44M$316.0K
Depreciation and amortization$2.25M$1.88M$1.61M$1.64M$607.0K$461.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
Revenue growth, YoY25.6%6.6%7.4%29.8%13.9%-
Net income growth, YoY34.9%-4.3%6.5%5.6%18.1%-
EPS growth, YoY28.3%-18.7%6.5%-7.8%--
Net margin38.9%36.2%40.3%40.6%50.0%48.2%
Free cash flow margin45.1%40.5%32.3%41.3%32.9%68.0%
Return on equity13.8%11.5%16.7%17.7%18.1%26.9%
Return on assets1.3%1.1%1.3%1.4%1.7%1.8%

Source: XBRL data Five Star Bancorp files with the SEC, latest filing dated Aug 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

FSBC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
FSBC$177.83M+26.5%$72.01M40.5%$1.11B
JPM$199.41B+13.5%$65.07B32.6%$905.33B
BAC$120.16B+5.4%$32.24B26.8%$342.04B
WFC$87.23B+5.4%$22.97B26.3%$257.83B
C$85.22B+5.6%$14.31B16.8%$206.49B
UBS$49.57B+2.0%$7.80B15.7%$150.45B
COF$62.02B+45.3%$10.52B17.0%$129.30B
MFG¥8.79T+7.6%¥1.16T13.2%$119.64B
BNSC$37.74B+12.1%C$7.79B20.6%$115.40B

FSBC FAQ

8 questions
  • What is FSBC revenue?
    Five Star Bancorp (FSBC) reported $177.83M of revenue for the twelve months ended Jun 30, 2026. That is up 26.5% from the year before. Revenue for fiscal 2025 was $158.44M.
  • Is FSBC profitable?
    Yes. Five Star Bancorp earned $72.01M in net income for the twelve months ended Jun 30, 2026, a net margin of 40.5%.
  • How much cash and debt does FSBC have?
    Five Star Bancorp reported $685.07M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is FSBC revenue growing?
    Five Star Bancorp's revenue changed +25.6% in fiscal 2025, to $158.44M. Its compound annual growth rate was +16.3% over 5 years.
  • What is FSBC free cash flow?
    Five Star Bancorp generated $80.49M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $81.96M less capital expenditures.
  • What is FSBC earnings per share?
    Diluted earnings per share were $3.38 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did FSBC last report financial results?
    The latest statements here come from Five Star Bancorp's 10-Q filed on Aug 6, 2026, covering the period ended Jun 30, 2026.
  • Where does this FSBC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Five Star Bancorp files with the SEC. It is provided for information only and is not investment advice.