Saturday 17 October 2026
Export FSBC’s income statement to Excel — free account
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. In the quarter to June 2026, revenue grew 18.9%, EPS grew 33.8% and free cash flow grew 32.4%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five; insiders bought in the last twelve months.
42.98
0.15
−0.35%
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| Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | — | 5 | 5 | 4 | 6 | 8 |
P/E ratio |
5.30 | 5.30 | 10.34 | 10.42 | 9.62 | 13.20 | 12.34 |
P/S ratio |
2.57 | 2.57 | 5.05 | 3.72 | 2.52 | 2.84 | 2.97 |
P/FCF ratio |
3.50 | 3.50 | 16.08 | 10.24 | 12.00 | 11.85 | 10.63 |
P/Operating CF |
25.57 | 25.57 | 113.20 | 25.23 | (281.20) | 33.70 | 36.94 |
P/B ratio |
1.67 | 1.67 | 1.91 | 1.84 | 1.61 | 1.53 | 1.70 |
Price to Tangible BV |
1.67 | 1.67 | 1.91 | 1.84 | 1.61 | 1.53 | 1.70 |
EV/Sales |
(2.48) | (2.48) | 0.42 | 2.37 | 1.66 | 1.73 | 1.46 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(3.33) | (3.33) | 1.31 | 6.44 | 7.75 | 7.14 | 5.13 |
EV/FCF |
(3.38) | (3.38) | 1.34 | 6.51 | 7.89 | 7.23 | 5.22 |
Quick Ratio |
0.14 | 0.17 | 0.19 | 0.09 | 0.10 | 0.10 | 0.12 |
Current Ratio |
1.00 | 0.99 | 1.02 | 1.07 | 1.04 | 1.06 | 1.06 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
3.58% | 1.43% | 1.10% | 3.10% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.49 | 0.21 | 0.12 | 0.40 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.04 | 0.05 | 0.04 | 0.04 | 0.05 | 0.06 | 0.06 |
Operating CF/Net income |
0.99 | 1.43 | 0.68 | 1.03 | 0.82 | 1.13 | 1.18 |
Capex/Depreciation |
(0.28) | (0.50) | (0.32) | (0.14) | (0.20) | (0.17) | (0.23) |
| 24.12% | 29.61% | 23.01% | 18.37% | 17.73% | 13.39% | 14.63% | |
| 1.71% | 2.09% | 1.88% | 1.55% | 1.40% | 1.19% | 1.40% | |
ROIC |
0.00% | 0.00% | 0.00% | 47.34% | 0.00% | 100.72% | 0.00% |
Return on Tangible Assets |
530.51% | (336.72%) | 86.30% | 23.81% | 40.74% | 20.36% | 23.30% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
40.07% | 44.52% | 42.47% | 37.87% | 28.46% | 28.79% | 29.24% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.05% | 0.68% | 1.62% | 0.88% | 0.53% | 0.54% | 0.57% |
Graham Net Nets |
(0.16) | (0.16) | 0.09 | 0.15 | 0.17 | 0.33 | 0.30 |
Graham Number |
0.00 | 32.68 | 32.00 | 29.44 | 32.27 | 31.77 | 37.02 |
Earnings Yield |
18.89% | 18.89% | 9.67% | 9.60% | 10.39% | 7.58% | 8.11% |
Free Cash Flow Yield |
28.58% | 28.58% | 6.22% | 9.77% | 8.33% | 8.44% | 9.40% |
Revenue per Share |
8.14 | 8.32 | 5.93 | 7.30 | 10.60 | 10.59 | 12.04 |
Operating CF per Share |
3.36 | 5.12 | 1.91 | 2.68 | 2.27 | 2.57 | 3.42 |
Capex per Share |
(0.06) | (0.08) | (0.05) | (0.03) | (0.04) | (0.03) | (0.06) |
Free Cash Flow per Share |
3.30 | 5.03 | 1.87 | 2.66 | 2.23 | 2.54 | 3.36 |
Cash per Share |
22.92 | 31.22 | 29.37 | 15.75 | 19.07 | 17.69 | 23.88 |
Shareholders Equity per Share |
12.65 | 13.29 | 15.70 | 14.76 | 16.65 | 19.68 | 21.01 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
12.65 | 13.29 | 15.70 | 14.76 | 16.65 | 19.68 | 21.01 |
Free Cash Flow |
28.40 | 50.64 | 27.94 | 45.49 | 38.26 | 51.16 | 71.42 |
Working Capital |
4.23 | (12.33) | 47.41 | 186.58 | 115.54 | 222.72 | 262.35 |
Capital Expenditures |
(0.51) | (0.83) | (0.72) | (0.48) | (0.65) | (0.63) | (1.20) |
Net Current Asset Value |
(1.75) | (20.00) | 39.97 | 67.86 | 78.84 | 197.95 | 228.44 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
5.96 | 5.96 | 9.53 | 7.41 | 6.89 | 9.37 | 9.07 |
| Other line items | |||||||
Depreciation/Fixed assets |
1.38 | 1.00 | 1.26 | 2.22 | 2.04 | 2.32 | 2.43 |
Cash ROIC |
7.91% | 10.64% | 3.98% | 7.31% | 6.24% | 6.79% | 7.50% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.03 | 0.03 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
41,150.73 | 70,932.50 | 210,057.87 | 68,388.43 | 17,398.15 | 14,886.15 | 15,803.64 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,547.88 | 1,547.88 | 2,034.95 | 2,533.95 | 2,904.45 | 3,292.45 | 3,879.54 |
Average Assets |
1,717.00 | 1,716.81 | 2,255.26 | 2,891.96 | 3,410.14 | 3,823.20 | 4,404.07 |
Average Common Equity |
121.50 | 121.33 | 184.41 | 243.94 | 269.30 | 341.20 | 421.23 |
Columns are period end dates