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