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Five Star Bancorp

FSBC Financial Banks Regional

Five Star Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $255.5 million, up 19.7% from fiscal 2024.

Revenue
+21.0%
EPS
+19.5%
Free cash flow
+40.8%

Quarter to September 2026, against a year earlier

43.84 1.45 −3.20%
Market cap
$1.1B
P/E
12.4×
Fwd P/E
12.5×
Dividend yield
2.28%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 6.28
Sold, $m 1.02
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — 6 — — — —
Sell 1 — 2 1 — 6 — — — — — 1
Insider Ownership 22.19%

Capital & Financial Ratios $m

Size
Market Cap 1,070.00
Revenue ttm 291.88
Net income ttm 77.57
Free cash flow ttm 88.07
Net debt Q (685.07)
Valuation
P/E 12.42
Forward P/E 12.50
Price / sales 3.55
Forward P/S Powerpack
Price / FCF 11.76
Price / book 1.68
Financial health
Current ratio Q 1.06
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +21.04% (above 0%: growing)
Operating income growth Q +32.81% (above 0%: growing)
EPS, this year +23.52% (at or above 15%: strong)
EPS, next year A +4.02%
Revenue, next year A −22.14% (below 0%: weak)
EPS, past 5 yrs −4.07% (below 0%: weak)
EPS, next 5 yrs A +13.27%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 70.54%
10-year low 10-year high
P/S against its own 10 years 65.13%
10-year low 10-year high
P/B against its own 10 years 50.32%
10-year low 10-year high

Dividends

Yield
2.28%
Annual rate
1.00
Payout ratio
28.3%
Growth, 2021–26
+27.2%/yr
  1. 0.30 ’21
  2. 0.60 ’22 +100
  3. 0.75 ’23 +25
  4. 0.80 ’24 +7
  5. 0.80 ’25 +0
  6. 1.00 ’26 +25
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 327 356 507 685
Receivables — — — —
Inventory — — — —
Other — — — —
3,386 3,855 4,537 5,157
2023 2024 2025 Q'26
Payables 3,027 3,558 4,201 4,825
ST’ Debt — — — —
Other — — — —
3,271 3,632 4,275 —

Compound Annual Growth %

10y 5y 3y
Sales — 25.01% 26.88%
Cash Flow — 7.12% 16.46%
Earnings — 11.39% 11.20%
Book Value — 27.22% 20.81%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.86 Actual 0.92

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.77 0.83 Beat by 0.06
Q1 FY26 0.80 0.87 Beat by 0.07
Q2 FY26 0.87 0.91 Beat by 0.04
Q3 FY26 0.86 0.92 Beat by 0.06
Q4 FY26 0.87 — Reports 25 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.87 0.91 0.92 — —
’25 0.62 0.68 0.77 0.83 2.90
’24 0.62 0.51 0.52 0.63 2.26
’23 0.77 0.74 0.64 0.63 2.78
’22 0.58 0.58 0.68 0.77 2.61
’21 0.93 0.67 0.64 0.66 2.83
’20 0.72 1.05 0.94 0.86 3.57
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 69 74 81 — —
’25 58 62 67 68 255
’24 49 51 54 59 213
’23 42 46 46 48 182
’22 25 28 33 39 125
’21 21 21 23 24 89
’20 19 21 21 23 84
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 19 24 27 — —
’25 15 18 19 21 73
’24 0 16 18 18 52
’23 1 25 15 (2) 39
’22 3 8 16 18 46
’21 9 13 3 4 29
’20 (4) 26 (2) 30 51
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 19 23 26 — —
’25 15 18 19 20 71
’24 0 16 17 18 51
’23 0 25 15 (2) 38
’22 3 8 16 18 45
’21 8 13 3 4 28
’20 (4) 26 (2) 30 51
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — — 70 84 89 125 182 213 255 292 +24.1% 199 228 258 +0.3%
Gross margin, % — — — 83.40 89.03 95.53 88.13 65.09 59.12 62.02 64.80 (21.4) pt
EBT — — — 30 37 47 63 67 65 84 104 +18.4%
EBT margin, % — — — 43.33 44.51 53.06 50.26 36.62 30.33 32.78 35.51 (10.6) pt
Net income — — — 29 36 42 45 48 46 62 78 +13.2%
Per share, $
Per share, $ Revenue — — — 8.14 8.32 5.93 7.30 10.60 10.59 12.04 12.36 +6.7%
Earnings — — — 3.40 3.57 2.83 2.61 2.78 2.26 2.90 3.53 (2.6%)
Cash flow — — — 3.36 5.12 1.91 2.68 2.27 2.57 3.42 3.80 +0.3%
Capex — — — (0.06) (0.08) (0.05) (0.03) (0.04) (0.03) (0.06) (0.07) (0.7%)
Free cash flow — — — 3.30 5.03 1.87 2.66 2.23 2.54 3.36 3.73 +0.3%
Book value — — — 12.65 13.29 15.70 14.76 16.65 19.68 21.01 26.13 +8.8%
Shares, m — — — 9 10 15 17 17 20 21 22 +16.2%
Valuation, ×
Valuation, × P/E — — — 5.30 5.30 10.34 10.42 9.62 13.20 12.34 12.42 9.5
P/S — — — 2.57 2.57 5.05 3.72 2.52 2.84 2.97 3.55 3.2
P/B — — — 1.67 1.67 1.91 1.84 1.61 1.53 1.70 1.68 1.7
EV/Sales — — — (2.48) (2.48) 0.42 2.37 1.66 1.73 1.46 — 0.4
EV/FCF — — — (3.38) (3.38) 1.34 6.51 7.89 7.23 5.22 — 3.1
Cash, $m
Cash, $m Operating cash flow — — — 29 51 29 46 39 52 73 90 +16.6%
Capex — — — (1) (1) (1) 0 (1) (1) (1) (2) +15.4%
Free cash flow — — — 28 51 28 45 38 51 71 88 +16.6%
Balance, $m
Balance, $m Working capital — — — 4 (12) 47 187 116 223 262 284 +98.9%
Net debt — — — (144) (286) (412) (170) (327) (356) (507) (685) +23.3%
Shareholders’ equity — — — 109 134 235 253 286 397 446 617 +26.5%
Returns, %
Returns, % ROA — — — 1.71 2.09 1.88 1.55 1.40 1.19 1.40 1.52 (0.3) pt
ROIC — — — 0.00 0.00 0.00 47.34 0.00 100.72 0.00 10.50 0.0 pt
ROE — — — 24.12 29.61 23.01 18.37 17.73 13.39 14.63 14.80 (9.5) pt
People
People Employees — — — — 138 163 178 185 210 238 — +11.5%
Revenue/emp, $m — — — 0.00 0.61 0.55 0.70 0.98 1.02 1.07 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Five Star Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
UVSP Univest Corporation of Pennsylvania $1.1B 11.9× 10.5× +2.73% (above 0%: growing) −12.36% (below 0%: shrinking) +47.79% (above 0%: growing) 66.61% 0.00% Compare
FSBC Five Star Bancorp $1.1B 12.4× 12.5× +21.04% (above 0%: growing) +19.48% (above 0%: growing) +40.75% (above 0%: growing) 65.07% 0.00%
NBN Northeast Bancorp $1.1B 9.7× 8.7× +6.35% (above 0%: growing) +34.97% (above 0%: growing) −136.55% (below 0%: shrinking) 62.31% 0.00% Compare
CFFN Capitol Federal Financial $1.1B 13.1× 12.3× +6.50% (above 0%: growing) +35.71% (above 0%: growing) +45.71% (above 0%: growing) 53.81% 0.00% Compare
HBNC Horizon Bancorp (IN) $1.1B — (loss-making) 9.8× −1.83% (below 0%: shrinking) +4.26% (above 0%: growing) +72.88% (above 0%: growing) 75.11% 0.00% Compare
CCNE CNB Financial Corporation $1.1B 10.7× 9.9× +6.10% (above 0%: growing) +31.88% (above 0%: growing) +2.73% (above 0%: growing) 69.41% 0.00% Compare
BFST Business First Bancshares, Inc. $1.0B 11.3× 11.0× +7.42% (above 0%: growing) +3.47% (above 0%: growing) +38.67% (above 0%: growing) 66.54% 0.00% Compare
MBWM Mercantile Bank Corporation $1.0B 10.8× 10.7× +6.81% (above 0%: growing) −4.79% (below 0%: shrinking) +122.41% (above 0%: growing) 71.37% 0.00% Compare
SBSI Southside Bancshares, Inc. $1.0B 10.4× 9.6× +34.14% (above 0%: growing) +487.50% (above 0%: growing) +73.84% (above 0%: growing) 61.38% 0.00% Compare
Median of peers $1.1B 10.8× 10.2× +6.43% +18.07% +46.75% 66.58% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 30 March 2026

Ownership

Directors and executive officers, together 21.79%
Larry E. Allbaugh 14.85%
T. Rowe Price Investment Management, Inc. 9.48%
Davis Partnership, L.P. 7.07%
BlackRock, Inc. 6.15%
Kathryn Oates-Fairrington 5.97%
Philip Oates 5.63%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Five Star Bancorp (FSBC) Latest News

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10 Mar

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stockrow.com/FSBC · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com