Five Star Bancorp (FSBC) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Five Star Bancorp reported revenue of $158.4M, up 25.6% from $126.2M the year before. Net income was $61.6M (a 38.9% net margin), or $2.90 per diluted share. Net interest income was $151.9M, and the efficiency ratio (noninterest expense / revenue) was 41.0%. Operating activities generated $72.6M of cash, leaving $71.4M of free cash flow. At fiscal year end, Five Star Bancorp held $4.75B in total assets against $4.31B in total liabilities.
Open the full interactive Five Star Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Five Star Bancorp Key Stats
| Share Price | $42.72 |
|---|---|
| Market Cap | $911.6M |
| P/E Ratio | 14.7 |
| Dividend Yield | 2.11% |
| Revenue YoY Growth | +25.6% |
| 52-Week Range | $30.77 – $49.42 |
| Shares Outstanding | 21.3 million (basic, 2026 Q2) |
Five Star Bancorp Income Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Net Interest Income | $77.6M | $103.1M | $110.9M | $119.7M | $151.9M |
| Provision for Credit Losses | $1.7M | $6.7M | $4.0M | $7.0M | $9.7M |
| Noninterest Income | $7.3M | $7.2M | $7.5M | $6.5M | $6.5M |
| Noninterest Expense | $36.0M | $40.7M | $47.8M | $54.5M | $65.0M |
| Revenue | $84.9M | $110.2M | $118.4M | $126.2M | $158.4M |
| Pre-Tax Income | $47.1M | $62.9M | $66.6M | $64.7M | $83.7M |
| Income Tax | $4.7M | $18.1M | $18.9M | $19.1M | $22.1M |
| Net Income | $42.4M | $44.8M | $47.7M | $45.7M | $61.6M |
| Diluted EPS | $2.83 | $2.61 | $2.78 | $2.26 | $2.90 |
Five Star Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $41.3M | $43.5M | $45.1M | $48.0M |
| Net Income | $16.3M | $17.6M | $18.6M | $19.4M |
| Diluted EPS | $0.77 | $0.83 | $0.87 | $0.91 |
Five Star Bancorp Balance Sheet
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash & Equivalents | $425.3M | — | — | — | — |
| Loans (Net) | $1.91B | $2.76B | — | — | — |
| Total Assets | $2.56B | $3.23B | $3.59B | $4.05B | $4.75B |
| Deposits | $2.29B | $2.78B | $3.03B | $3.56B | $4.20B |
| Total Long-Term Debt | $448.9M | $173.6M | $243.7M | $73.9M | $74.0M |
| Total Liabilities | $2.32B | $2.97B | $3.31B | $3.66B | $4.31B |
| Shareholders' Equity | $235.0M | $252.8M | $285.8M | $396.6M | $445.8M |
Five Star Bancorp Cash Flow Statement
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Cash From Operations | $28.7M | $46.0M | $38.9M | $51.8M | $72.6M |
| Cash From Investing | -$455.0M | -$836.9M | -$279.3M | -$446.7M | -$544.1M |
| Cash From Financing | $561.2M | $625.6M | $301.9M | $425.7M | $626.0M |
| Free Cash Flow | $27.9M | $45.5M | $38.3M | $51.2M | $71.4M |
| Dividends Paid | — | $15.3M | $12.9M | $16.2M | $17.1M |
Figures from Five Star Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Five Star Bancorp financials page for every line item.
Five Star Bancorp Company Profile
| Ticker | FSBC |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Rancho Cordova, California |
| Incorporated in | California |
| Fiscal Year End | December 31 |
| SEC Filer Category | Emerging growth company |
| SEC CIK | 0001275168 |
Frequently Asked Questions
What was Five Star Bancorp's revenue in fiscal 2025?
Five Star Bancorp (FSBC) reported revenue of $158.4M for fiscal 2025.
What is Five Star Bancorp's annual revenue history?
Five Star Bancorp's annual revenue by fiscal year: 2021: $84.9M; 2022: $110.2M; 2023: $118.4M; 2024: $126.2M; 2025: $158.4M.
What was Five Star Bancorp's net income in fiscal 2025?
Five Star Bancorp reported net income of $61.6M for fiscal 2025.
What was Five Star Bancorp's earnings per share (EPS) in fiscal 2025?
Five Star Bancorp's diluted EPS was $2.90 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Five Star Bancorp generate in fiscal 2025?
Five Star Bancorp generated $71.4M of free cash flow in fiscal 2025.
What was Five Star Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Five Star Bancorp reported revenue of $48.0M.
How much debt does Five Star Bancorp have?
Five Star Bancorp reported $74.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Five Star Bancorp are outstanding?
Five Star Bancorp reported a weighted average of 21.3 million basic shares outstanding in 2026 Q2.
What is Five Star Bancorp's market cap?
Based on its latest closing price, Five Star Bancorp (FSBC) has a market capitalization of about $911.6M.
When does Five Star Bancorp's fiscal year end?
Five Star Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Five Star Bancorp headquartered?
Five Star Bancorp lists its business address in Rancho Cordova, California in its SEC filings.