Five Star Bancorp
FSBC Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$44.50
KIRA · Stoqly’s AI analyst, in plain words
- Five Star Bancorp had $158M of revenue in fiscal 2025, up 25.6% on the year before. Over five years, revenue changed +16.3% a year on average.
- Five Star Bancorp made $61.6M of net profit in fiscal 2025. From fiscal 2020 to 2025, diluted EPS grew −4.1% a year.
- Five Star Bancorp returned $17.1M to shareholders in fiscal 2025, 24% of free cash flow. The diluted share count rose 5.3%.
- It earned 14.6% on shareholders’ money. Running costs took 41.0% of revenue (the efficiency ratio; lower is better).
Market cap
$950M
P/E
13.2x
Revenue
$158M
Net income
$61.6M
Return on equity
14.6%
Efficiency ratio
41.0%
Five Star Bancorp in 30 seconds · fiscal 2025
Are sales growing?
+25.6%
Yes. Sales grew 25.6% last year.
Does it make a profit?
38.9%
Yes. It keeps 38.9% of every sale as profit.
How lean are its costs?
41.0%
Lean. Running costs take 41.0% of revenue.
How much does it earn on its capital?
14.6%
Good. It earns 14.6% a year on shareholders’ money.
How is the share priced?
13.2x
One share costs 13.2 times its yearly profit per share.
What Five Star Bancorp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- FIVE STAR BANCORP
- CIK
- 0001275168
Five Star Bancorp · FSBC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $84.9M | $110M | $118M | $126M | $158M |
| Revenue growth | 13.9% | 29.8% | 7.4% | 6.6% | 25.6% |
| Net interest income | $77.6M | $103M | $111M | $120M | $152M |
| Net income | $42.4M | $44.8M | $47.7M | $45.7M | $61.6M |
| Net margin | 50.0% | 40.6% | 40.3% | 36.2% | 38.9% |
| Diluted EPS | $2.83 | $2.61 | $2.78 | $2.26 | $2.90 |
| Cash | |||||
| Cash from operations | $28.7M | $46.0M | $38.9M | $51.8M | $72.6M |
| Capital expenditure | $0.7M | $0.5M | $0.7M | $0.6M | $1.2M |
| Free cash flow | $27.9M | $45.5M | $38.3M | $51.2M | $71.4M |
| FCF margin | 32.9% | 41.3% | 32.3% | 40.5% | 45.1% |
| Dividends paid | $51.9M | $15.3M | $12.9M | $16.2M | $17.1M |
| Share count change | 49.0% | 14.5% | 0.1% | 17.6% | 5.3% |
| Debt and strength | |||||
| Cash and short-term investments | $425M | $260M | $322M | $352M | $507M |
| Loans, net | $1.9B | $2.8B | — | — | — |
| Deposits | $2.3B | $2.8B | $3.0B | $3.6B | $4.2B |
| Shareholders' equity | $235M | $253M | $286M | $397M | $446M |
| Returns and quality | |||||
| Return on equity | 23.0% | 18.4% | 17.7% | 13.4% | 14.6% |
| Return on tangible equity | 18.1% | 17.7% | 16.7% | 11.5% | 13.8% |
| Efficiency ratio | 42.5% | 36.9% | 40.4% | 43.2% | 41.0% |
Insiders bought, 12 months
$6.3M
6 insiders
Insiders sold, 12 months
$0.8M
5 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Five Star Bancorp · FSBC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $44.50 a share, the company is worth $950M: 13.2 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001275168). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.